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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, PlayStation 5 consoles, 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.

Up to 40% off

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Results: 1 - 30 (of 54)

Cate Created Brilliance 9ct Gold Created Emerald and 0.25ct Lab Grown Diamond Cluster Ring

£700

Luna 9ct Yellow Gold 1.13ct tw. Lab Grown Diamond Scatter Engagement Ring

£925

Cate Created Brilliance 9ct White Gold Created Sapphire and 0.25ct Lab Grown Diamond Cluster Ring

£650

Elodie 9ct Yellow Gold 1.82ct tw. Emerald Cut and Tapered Baguettes Lab Grown Diamond Engagement Ring

£1350

Margot Created Brilliance 9ct White Gold 0.50ct Lab Grown Diamond Engagement Ring

£700

Samara 9ct Yellow Gold 1.12ct tw. Lab Grown Diamond Oval Cluster Engagement Ring

£1080

Cynthia 9ct White Gold 0.70ct Lab Grown Halo Diamond Engagement Ring

£900

Eden 9ct White Gold 0.60ct tw. Lab Grown Diamond Engagement Ring

£835

Eliana 9ct White Gold 0.44ct tw. Lab Grown Diamond Halo Engagement Ring

£935

Clara 9ct Yellow Gold 0.71ct tw. Lab Grown Diamond East- West Bezel Set Cluster Ring

£1360

Jane 9ct Yellow Gold Created Emerald Solitaire Ring

£700

Elodie 9ct White Gold 1.82ct tw. Emerald Cut and Tapered Baguettes Lab Grown Diamond Engagement Ring

£1350

Florence Created Brilliance 18ct White Gold 0.25ct Lab Grown Diamond Vintage Inspired Wedding Band

£800

Rebecca Created Brilliance 18ct White Gold Oval and Pear 1ct Lab Grown Diamond Ring

£1725

Constance 9ct White Gold 0.55ct tw. Lab Grown Diamond East-West Emerald Cut Ring

£735

Zara 9ct Yellow Gold 0.15ct tw. Lab Grown Diamond East-West Marquise Band Ring

£750

Cleo 9ct Yellow Gold Created Emerald Trilogy Ring

£800

Eloise 9ct Yellow Gold 0.40ct tw. Lab Grown Diamond Solitaire Engagement Ring

£840

Willow 9ct Yellow Gold 0.90ct tw Lab Grown Diamond Petal Engagement Ring

£950

Beatrix 9ct White Gold 0.53ct tw. Lab Grown Diamond Radiant Cut 5 Stone Band Ring

£775

Carmen 9ct White Gold 1.69ct tw. Lab Grown Diamond Oval Seven Stone Eternity Band Ring

£1890

Arianna 9ct Yellow Gold Lab Grown Diamond Bezel Set Solitaire Band Ring

£550

Gemma Created Brilliance 9ct White Gold 0.52ct Lab Grown Diamond Halo Ring

£875

Colette 9ct White Gold 0.74ct tw Lab Grown Diamonds and Created Sapphire Band Ring

£1200

Astrid 9ct Yellow Gold Created Emerald and 0.50ct tw. Lab Grown Diamond Trilogy Ring

£1150

Layla 9ct White Gold 0.20ct Shaped Wedding Ring

£575

Naya 9ct White Gold 0.37ct tw. Lab Grown Diamond Cluster Engagement Ring

£925

Ida Created Brilliance 9ct White Gold 0.50ct Lab Grown Diamond Round Halo Ring

£725

Lyra 18ct White Gold Created Sapphire & 0.18ct Lab Grown Diamond Ring

£900

Esme 9ct White Gold 0.66ct tw. Lab Grown Diamond Wrap Engagement Ring

£1025

Results: 1 - 30 (of 54)