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Michael Kors Women's Lauryn 3 -Hand Stainless Steel Watch, Earrings And Necklace Gift Set, Mk4849

Black Friday Deal

Women's Lauryn 3 -Hand Stainless Steel Watch, Earrings And Necklace Gift Set, Mk4849

Current sale price is £159.50

(Save £159.50)

Regular price was £319

5 out of 5 stars

1 review

Michael Kors Women's Corey 3-Hand 2-Tone Stainless Steel Watch, Mk7550 - Multi

Black Friday Deal

Women's Corey 3-Hand 2-Tone Stainless Steel Watch, Mk7550 - Multi

Current sale price is £99

(Save £120)

Regular price was £219

Michael Kors Women's Lexington 3-Hand Stainless Steel Watch Mk4741 - Gold

Black Friday Deal

Women's Lexington 3-Hand Stainless Steel Watch Mk4741 - Gold

Current sale price is £154

(Save £65)

Regular price was £219

Michael Kors Women's Sylvia Three-Hand Gold-Tone Stainless Steel Watch, MK4941

Black Friday Deal

Women's Sylvia Three-Hand Gold-Tone Stainless Steel Watch, MK4941

Current sale price is £139.50

(Save £139.50)

Regular price was £279

Michael Kors Women's Slim Runway Three-Hand Stainless Steel Watch Gift Set, MK7563SET

Black Friday Deal

Women's Slim Runway Three-Hand Stainless Steel Watch Gift Set, MK7563SET

Current sale price is £139.50

(Save £139.50)

Regular price was £279

Michael Kors Lexington Three-Hand Gold-Tone Stainless Steel Watch

Black Friday Deal

Lexington Three-Hand Gold-Tone Stainless Steel Watch

Current sale price is £154

(Save £65)

Regular price was £219

5 out of 5 stars

2 reviews

White Stuff 12 Days Womens Sock Advent - Pink

12 Days Womens Sock Advent - Pink

£39

Michael Kors Women's Lexington Three-Hand, Stainless Steel Watch, MK4843

Black Friday Deal

Women's Lexington Three-Hand, Stainless Steel Watch, MK4843

Current sale price is £154

(Save £65)

Regular price was £219

Michael Kors Women's Essex Three-Hand Stainless Steel Watch, MK4904

Black Friday Deal

Women's Essex Three-Hand Stainless Steel Watch, MK4904

Current sale price is £126

(Save £53)

Regular price was £179

Dualit Handheld Milk Frother & Hot Chocolate Maker

Handheld Milk Frother & Hot Chocolate Maker

£69

5 out of 5 stars

2 reviews

Michael Kors Women's Lexington 3 -Hand, Stainless Steel Watch And Bracelets Gift Set Mk4815

Black Friday Deal

Women's Lexington 3 -Hand, Stainless Steel Watch And Bracelets Gift Set Mk4815

Current sale price is £196

(Save £83)

Regular price was £279

Michael Kors Women's Lexington Three-Hand, Gold-Tone Stainless Steel Watch, MK4862

Black Friday Deal

Women's Lexington Three-Hand, Gold-Tone Stainless Steel Watch, MK4862

Current sale price is £154

(Save £65)

Regular price was £219

5 out of 5 stars

1 review

White Stuff Arctic Fairisle Cardigan - Cream

Arctic Fairisle Cardigan - Cream

£69

5 out of 5 stars

1 review

White Stuff Textured Stripe V Neck Jumper - Grey

Textured Stripe V Neck Jumper - Grey

£65

AWARE Tessy Long Sleeve O-neck Lace Top - Black

Tessy Long Sleeve O-neck Lace Top - Black

£28

Michael Kors Women's Lexington Three-Hand Two-Tone Stainless Steel Watch, MK4903

Black Friday Deal

Women's Lexington Three-Hand Two-Tone Stainless Steel Watch, MK4903

Current sale price is £154

(Save £65)

Regular price was £219

Michael Kors Women's Essex Three-Hand Stainless Steel Watch, MK4906

Black Friday Deal

Women's Essex Three-Hand Stainless Steel Watch, MK4906

Current sale price is £126

(Save £53)

Regular price was £179

AWARE Tessy Long Sleeve High Neck Lace Midi Dress - Black

Tessy Long Sleeve High Neck Lace Midi Dress - Black

£48

5 out of 5 stars

1 review

Black Friday Deal

Rhodium-Plated Sterling Silver Pavé Logo Stud Earrings

Current sale price is £63

(Save £26)

Regular price was £89

White Stuff Arctic Fairisle Cardigan - Multi

Arctic Fairisle Cardigan - Multi

£69

White Stuff Harriet Fairisle Jumper - Blue

Harriet Fairisle Jumper - Blue

£69

Michael Kors 14K Gold-Plated Empire Link Bangle Bracelet

Black Friday Deal

14K Gold-Plated Empire Link Bangle Bracelet

Current sale price is £63

(Save £26)

Regular price was £89

5 out of 5 stars

3 reviews

Michael Kors Slim Runway Three-Hand Black Leather Watch

Black Friday Deal

Slim Runway Three-Hand Black Leather Watch

Current sale price is £105

(Save £44)

Regular price was £149

Dualit Cocoatiser Copper

Cocoatiser Copper

Current sale price is £70

(Save £9)

Regular price was £79

Michael Kors Women's Lexington Lux Multifunction Gold-Tone Stainless Steel Watch, MK4924

Black Friday Deal

Women's Lexington Lux Multifunction Gold-Tone Stainless Steel Watch, MK4924

Current sale price is £168

(Save £71)

Regular price was £239

White Stuff Mini Heart Fairisle Jumper - Grey

Mini Heart Fairisle Jumper - Grey

£65

White Stuff Marie Cord Skirt - Purple

Marie Cord Skirt - Purple

£59

White Stuff Olive Heart Jumper - Pink

Olive Heart Jumper - Pink

£59

4.5 out of 5 stars

2 reviews

White Stuff Velvet Printed Scarf - Blue

Velvet Printed Scarf - Blue

£39

Black Friday Deal

Logo Bracelet

Current sale price is £49

(Save £20)

Regular price was £69

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Very Pay credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18's only.

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Very Pay

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

<COPY/PASTE WELCOME>

Representative 44.9% APR variable

Excludes Nintendo Switch 2 consoles, Xbox consoles, iPhone 17 range, Apple Mac Lines, all egg items, Omni by Target Darts, digital downloads, insurance, delivery & installation. Cannot be used with other offers. Over 18 only.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

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You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Representative Example:

Representative 44.9% APR variable

(interest rate 44.9% p.a. variable). Based on £1,200 credit limit.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then into 'My APR'.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Buy Now Pay Later

What is Buy Now Pay Later (BNPL)?

BNPL is an interest bearing option that allows you to delay payments on your purchases. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You could delay payment for 6, 9 or 12 months depending on how much you spend.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How do I avoid paying interest?

You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period.

Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.

How do I make a BNPL payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. Any outstanding balance plus the interest will now become payable.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

What is excluded from BNPL?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my monthly minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.