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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

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

Representative 44.9% APR variable

Excludes all Samsung Galaxy S25 models (including bundle variants), all Gaming consoles, iPhone 16 range, Apple Mac lines, all egg items, 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

This represents a typical cost of using Very Pay:

Representative 44.9% APR variable (annual interest rate of 44.9% variable). A personalised credit limit, typically £1,000. You may be offered other promotional interest rates.

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.

Customer Rating 4, Addis, Ann Summers, beyblade, drew and cole, Football Flick, Skechers, skopes, squishmallows, VTech, White

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Results: 1 - 30 (of 63)

Sexy Lace Padded Plunge Bra

£16

VM3263 2.8 inch Digital Video Baby Monitor with Adjustable Camera and Night Light

Current sale price is £59.99

Arch Fit Footsteps Sunny Days Molded Double Band Sling Back Sandal - White

£34

Arch Fit 2.0 Glow The Distance Lace-up Trainer - White

Current sale price is £71.20

Workwear Squad Slip Resistant Bungee Lace Slip-on Trainer - White

£59

Uno Bungee Lace Trainers- White

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Uno Durabuck Metallic Trimmed Slip On Trainer - White/rose Gold Duraleather/mesh Trim

£79

Sexy Lace Fuller Bust Non Padded Plunge Bra

£16

Sexy Lace Padded Balcony Bra

£16

Go Run Elevate 2.0 Slip-ins Banyan Trainer - White

Current sale price is £71.20

Go Walk Now Slip-ins Engineered Mesh Bungee Trainer - White /pink Trim

Current sale price is £67

Wide Fit Uno Shimmer Away Trainer - White

Current sale price is £63

Summits Mesh Bungee Slip On Trainer - Natural

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The Icon Padded Balcony Multiway Bra - White

£38

Arch Fit 2.0 Big League Trainer - White

£89

Bobs Arc Waves 2.0 Now It Glide-step Lace-up Slip-ins Trainer - Off White Engineered Knit

£74

Hiland Soft Metals Trainer - White/multi

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Go Walk Joy Engineered Knitted Trainer - White Textile/rose Gold Trim

Current sale price is £47

Flex Appeal 5.0 Engineered Mesh Lace-up Trainer - White Mesh/pink & Light Blue Trim

Current sale price is £55

Court Break Slip-Ins Suit Trainers - White

£74

Workwear Uno Slip Resistant Lace Up Trainer - White

£79

Sexy Lace 3 Pack Thongs

£20

Edgeride Engineered Knitted Lace-up Trainer - White Knit/natural Trim

Current sale price is £55

Uno Slip-ins Duraleather Trainer - White Durabuck

Current sale price is £67

Glide- Step Slip-Ins Mesh Lace Up Trainers - White

£74

Flex Appeal 5.0 Uptake Trainer - White

£64

Sexy Lace Thong

£8

Hold Me Tight Body - White

£30

Koopa Leather Trainers- White

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RM7766HD 7" Smart Wi-Fi 1080p Pan and Tilt Baby Monitor

£169.99

Results: 1 - 30 (of 63)