Also known as: Very; Littlewoods; Very Pay
Very Group Financial Services Limited is the financial services arm of The Very Group, which owns Very.co.uk, one of the UK's largest online retailers. Very offers customers the ability to buy products on a credit account, spreading the cost of purchases using flexible payment options including Buy Now Pay Later and monthly instalments.
The Very credit account operates similarly to a store card or catalogue credit facility. Customers can defer payment for a set period or spread the cost over monthly instalments. Interest applies to any balance not paid within promotional periods. These credit products are regulated by the Financial Conduct Authority.
Very is particularly popular for electronics, clothing, furniture, and home products. The credit offering makes it accessible to customers who may not have large amounts of cash available, but it is important to understand the full cost of credit before using a pay-later option.
If you have a Very credit account and need to contact them, details are available on their website at very.co.uk. Very Group Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments on a Very account, contact their customer service team to discuss your options. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Very Group Financial Services Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Retail credit accounts (Very Pay buy-now-pay-later and interest-bearing credit); online retail across fashion, electricals, home and garden, toys; Littlewoods brand catalogue credit; credit management and collections
Trading names and group notes
The Very Group Limited (04730752) is the holding company (formerly Shop Direct Limited, formerly March UK Limited). Very Group Financial Services Limited (11905933) is the credit entity incorporated in 2019. The Carlyle Group acquired The Very Group in November 2025. The group previously operated Littlewoods Ireland separately.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.0
approximately 200,000 (very.co.uk Trustpilot profile) reviews
Other review sources
Trustpilot profile at trustpilot.com/review/www.very.co.uk. Reviews.io profile shows 1,723 reviews.
Overall public sentiment
Mixed. Customers praise wide product range, convenient credit facility, and delivery speed. Negative reviews highlight issues with credit account management, disputed charges, high interest rates on revolving credit, and difficulties resolving customer service complaints. Volume of reviews (200,000+) indicates scale of customer base. Sentiment generally mixed for retail credit operations.
Review sources
Check whether repayments fit your budget
Use Ask Fin to check whether BNPL repayments fit within your monthly budget before taking on new commitments. General guidance only — not regulated financial advice.
Start with Ask Fin — £4.99/monthGeneral guidance only. Not regulated financial advice.
General guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
Klarna Bank AB (UK operations)
Klarna; Klarna Financial Services UK Limited
View details →
Clearpay Finance Limited
Clearpay; Afterpay (international)
View details →
DivideBuy (New Pay Ltd / Deko Technology Ltd)
DivideBuy; Deko; Newpay
View details →
V12 Retail Finance Limited
V12 Retail Finance; V12 Finance
View details →
Spot an error on this page?
If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.
Report an issue with this page →