Very is one of the most popular online credit catalogues that accepts customers with low credit scores. Very is based in Liverpool, with its headquarters in Speke.
This catalogue sells a huge range of products, from toys to technology to appliances. The wide selection of products makes it a great option as you can keep all of your purchases and payments on one account, which makes it easier and more manageable.
History of Very
Very is a British brand that was launched in July 2009 by Shop Direct, which is now known as the Very Group.
Very has undergone 2 major rebrands over the years. Originally it was known as the in-store shop ‘Woolworths’, which evolved to ‘Littlewoods Direct’.
Upon the website’s launch in 2009, many customers were eager to use the service. So much so that within a year a mobile site was set up, with a huge upgrade to the content of the site. By 2014, one third of total sales were from mobile phones.
Over the years, Very has secured endorsements and partnerships with celebrities to promote the brand. Household names in the UK like Holly Willoughby, Fearne Cotton and Kimberly Walsh (to name just a few) have been proud to work with Very.
What does Very sell?
Very is renowned for its vast selection of products, with new products being added every day. They sell things that are both needs and wants.
Very sells clothing for men, women and children. From designer brands like Marc Jacobs, Moschino and Vivienne Westwood. Also, Very sells more affordable and everyday brands like Missguided, Yours and their brand called V by Very.
Additionally, Very sells child and baby products from a huge selection of brands. Using Very for gifts for special occasions can make the payments easier on your bank account. Very sells toys from Lego, Disney, VTech and many more at a competitive price. Additionally, the site also offers essential products for children and babies, like pushchairs, car seats and highchairs.
On Very, you can also find a range of sports and leisure equipment. So if you are looking to improve your lifestyle, but you don’t want to break that bank with a lump sum being paid out, then Very has you covered. With brands like Nike, North Face and Rock Luggage available to buy and this is just to name a few.
On the Very website, you can also find a wide selection of home accessories and appliances. Often, appliances and accessories can be unaffordable to buy upfront but essential to your everyday life. Very has your back with great payment options to help you spread the cost of home products across a few weeks or months.
Technology and gaming purchases can often be very expensive to buy upfront. However, Very have a great selection of these products to choose from, and you can pay for them over a set period of time rather than a one of payment. Very are currently selling consoles, computers, smartphones, tablets and many more products to choose from.
If you feel like treating yourself to new beauty or wellness products, then Very has a fantastic range for you to choose from. With beauty brands like Benefit, NYX and L’oreal at better prices than high street stores, it is a no-brainer to check it out.
Very vs Competitors Prices
Very sells their products at a very competitive price, with plenty of products on sale at all times. With some products, there is a standard price across all sites. However, many of these sites will not offer the same interest-free payment options.
Credit Limit on Very Account
The credit limit on a Very account varies from person to person. When you register at Very, they will run a soft credit check on you to work out your starting credit limit. You will instantly be shown your credit limit.
Even if you have a low credit score, Very will still allow you a decent limit, which can be between £300-500. If you start with this amount, you can build it up over time if you prove that you are a reliable and trustworthy customer. Your credit limit will be reviewed every month.
Very has a fantastic selection of payment options, which allow you to spread the cost of your purchase over a period of time. These options are:
- Monthly payments spread the cost of your purchase over a few months, whether this is 6,9 or 12. You will be invoiced monthly the amount that you need to pay. There are no upfront costs involved with the option. The more you pay each month, then the less interest you have to pay. The interest rate is 39.9% APR.
- Pay in 3 allows you to spread the cost of your purchase over 3 months. You will not have to pay any interest with this option. You do not have to make any upfront payments, and you can wait a minimum of 20 days before you have to pay anything.
- Buy now, pay later is an option that requires you to pay interest on top of the purchase price. However, it allows you to delay your payments for 12 months. The interest rate is compounded. The more time you delay your payment, the higher the interest rate is.
Below is a list of the delivery options at Very:
If what you are purchasing is a gift, you can get it delivered straight to the door. All you need to do is add it to your ‘address book’ on your account and choose it as the delivery address when you are checking out.
If what you have purchased is considered as ‘small goods’, then there are a few options. One option is the click and collect service, which is free for orders over £30 otherwise it will cost an additional £3. Click and collect allows you to pick up your package from a Collect+ store or Post Offices. Usually, you can pick up the package the next day if you order before 8 pm.
Alternatively, if you want packages delivered to your door then you have the option of standard delivery, which costs £3.99 and you can usually receive your package within 1 day. Or if you want to receive your item on a particular day, then you have the option of nominated delivery which costs £4.99 and you can book your slot up to 8 days in advance.
The delivery of large purchases, which include TVs, furniture, appliances and other goods is slightly different. These purchases take longer to arrive and cost more. However, there is the option for standard delivery (around 3 days), express delivery (around 2 days) or next day delivery.
Very delivers across all of the UK. But, if you live in Scotland or Northern Ireland, then there might be a delay in delivery.
If you need to return a product to Very for any reason, then you can do so. You have a time frame of 28 days to return the item. If your return is approved then it is completely free to return your item, and any payments you have made will be fully refunded as long as the purchase is still in perfect condition.
Benefits of Using Very
Using an online catalogue if you have a bad credit score is a great way to improve it. A credit score is a very important consideration for large purchases like a car or holiday, so if you have a poor score then you will unlikely be accepted for high-value credit. So, by responsibly using a pay later catalogue, you can begin to improve your credit and purchase items that you want or need in the process.
Another great benefit of using Very is that it will help you afford products that you need but might not be able to afford upfront. Particularly purchases like smartphones, appliances and computers can be unaffordable upfront yet still essential. Very does not require upfront payments, so you can enjoy your product as soon as it arrives and not be expected to pay anything for at least 20 days!
Additionally, there are interest-free options that you can choose from if you pay back your purchase within a certain time, so you will not have to pay anything more than the purchase price.
Furthermore, you can shop from Very in the comfort of your own home. In-person shopping can be tiring, stressful and have added costs like public transport or petrol. So by shopping on Very, you are eliminating shopping in person, which is more cost and time effective. Within just a few clicks, you can have exactly what you want arriving at your door within days.
Do Very Credit Check?
Very run a soft eligibility checker on you to determine your credit limit. This checker does not affect your credit score. A few things that Very will ask you for are:
- Your name
- Credit score
However, Very will accept people with low to high credit scores, so even if your limit is not what you want it to be then you can build it up over time if you prove you are reliable with payments.