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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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Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

Very Pay

Up to 30% off your first credit order!

What you need to know
Apply for Very Pay and enter WELCOME at the checkout. 30% off Clothing & Footwear and 20% off all other departments.

Representative 44.9% APR variable

Excludes iPad Air M4, Samsung S26 range, 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.

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.

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.

Take 3

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.
Representative 44.9% APR variable

Take 3

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.

Easter deals!

All, Sekonda, Bracelet

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Results: 1 - 30 (of 98)

Mens Active Pro Black & Grey Silicone Bracelet with AMOLED Dial Smartwatch

£120

Womens Connect Silver Stainless Steel Mesh Bracelet Smartwatch

Current sale price is £67.99

Womens Gold Alloy Bracelet Watch with Silver Dial Gift Set

£100

Circuit Silver Stainless Steel Bracelet Chronograph Watch

£75

Unisex Track Two Tone Alloy Bracelet with LCD Dial Smartwatch

£54.99

Unisex Motion Plus Silver Stainless Steel Bracelet Smartwatch

£75

His/Hers Taylor Two Tone Stainless Steel Bracelet with Black and Silver Dial Analogue Watch Gift Set

Current sale price is £93.99

Midnight Silver Stainless Steel Bracelet Chronograph Watch

£90

Unisex Track Silver Alloy Bracelet with LCD Dial Smartwatch

£49.99

Womens Flex Plus Rose Gold Stainless Steel Bracelet with AMOLED Dial Smartwatch

£79.99

Womens Classic Gold Stainless Steel Bracelet Watch with Champagne Dial Analogue Gift Set

Current sale price is £58.99

Womens Margot White Stainless Steel Bracelet with White Dial Analogue Watch

£49.99

Mens Active Plus Black Stainless Steel Bracelet Smartwatch

£100

Womens Francis Silver Stainless Steel Bracelet with Multicolour Dial Analogue Watch

£39.99

Womens Catherine Two Tone Stainless Steel Bracelet with Green Dial Analogue Watch and Matching Pendant and Earrings Stone Set Gift Set

£85

Mens Active Plus Silver Stainless Steel Bracelet Smartwatch

£99

Womens Charlotte Rose Gold Alloy Bracelet with Burgundy Dial Analogue Watch

£70

Mens Airborne Silver Stainless Steel Bracelet with Blue Dial Chronograph Watch

Current sale price is £65.99

Ocean Silver Stainless Steel Bracelet Analogue Watch

£50

Womens Monica Gold Bracelet Analogue Watch

£55

Men's Tidal Silver Stainless Steel Bracelet with Blue Dial Watch

£45

Ladies Silver Stainless Steel Bracelet with Pink Dial Watch

£50

Mens Active Plus Gold Stainless Steel Bracelet Smartwatch

Current sale price is £74.99

Monica Maxi 2-Tone Alloy Bracelet with White Dial Analogue Watch

£65

Men's Velocity Silver Stainless Steel Bracelet with Green Dial Watch

£100

Womens Silver Alloy Bracelet with Silver Dial Analogue Watch and Matching Pendant and Earrings Gift Set

Current sale price is £67.99

Womens Rose Gold Alloy Bracelet with Rose Dial Analogue Watch and Matching Rose Gold Pendant and Earrings Gift Set

Current sale price is £67.99

Ladies Taylor Silver Stainless Steel Bracelet with Light Green Dial Watch

Current sale price is £34.99

Men's Silver Stainless Steel Bracelet Watch with Black Dial Chronograph Gift Set

£99

Men's Wilson Gun Metal Stainless Steel Bracelet with Dark Blue Dial Watch

£70

Results: 1 - 30 (of 98)