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Pay later with Very Pay

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The Very Collection Slim Fit Micro Check Trousers - Brown

The Very Collection

Slim Fit Micro Check Trousers - Brown

Current sale price is £26.50

(Save £11.50)

Regular price was £38

The Very Collection Curve Essential Longline Cami - White

The Very Collection

Curve Essential Longline Cami - White

Current sale price is £10.50

(Save £5.50)

Regular price was £16

4 out of 5 stars

22 reviews

The Very Collection Curve Essential Longline Cami - Black

The Very Collection

Curve Essential Longline Cami - Black

Current sale price is £8.25

(Save £7.75)

Regular price was £16

4.1 out of 5 stars

15 reviews

Michelle Keegan Belted Wide Leg Trouser - Light Khaki

Michelle Keegan

Belted Wide Leg Trouser - Light Khaki

Current sale price is £32

(Save £8)

Regular price was £40

4.2 out of 5 stars

6 reviews

Michelle Keegan Tie Detail Midaxi Dress - Brown

Michelle Keegan

Tie Detail Midaxi Dress - Brown

Current sale price is £32

(Save £8)

Regular price was £40

4.5 out of 5 stars

2 reviews

Michelle Keegan Sheer Hem Polka Dot Maxi Dress - Lemon

Michelle Keegan

Sheer Hem Polka Dot Maxi Dress - Lemon

Current sale price is £39.20

(Save £30.80)

Regular price was £70

5 out of 5 stars

5 reviews

The Very Collection Self Belt Polka Jacket - Black & White

The Very Collection

Self Belt Polka Jacket - Black & White

£40

5 out of 5 stars

1 review

Michelle Keegan Seam Detail Midaxi Dress - Black

Michelle Keegan

Seam Detail Midaxi Dress - Black

Current sale price is £40

(Save £10)

Regular price was £50

2.8 out of 5 stars

4 reviews

The Very Collection Pinstitch Wide Leg Trouser - Yellow

The Very Collection

Pinstitch Wide Leg Trouser - Yellow

£30

3.5 out of 5 stars

4 reviews

The Very Collection Hardware Detail Waistcoat - Yellow

The Very Collection

Hardware Detail Waistcoat - Yellow

£32

3.3 out of 5 stars

3 reviews

The Very Collection Regular Suit Trouser - Black

The Very Collection

Regular Suit Trouser - Black

Current sale price is £27

(Save £5)

Regular price was £32

4.9 out of 5 stars

16 reviews

The Very Collection Boucle Shorts - Red

The Very Collection

Boucle Shorts - Red

Current sale price is £20

(Save £5)

Regular price was £25

The Very Collection Curve Gold Trim Belted Sleeveless Midi Dress - Black

The Very Collection

Curve Gold Trim Belted Sleeveless Midi Dress - Black

Current sale price is £22

(Save £18)

Regular price was £40

5 out of 5 stars

1 review

Michelle Keegan Linen Blend Wide Leg Trouser - White

Michelle Keegan

Linen Blend Wide Leg Trouser - White

Current sale price is £28

(Save £7)

Regular price was £35

4 out of 5 stars

2 reviews

The Very Collection Boucle Waistcoat - Red

The Very Collection

Boucle Waistcoat - Red

£35

5 out of 5 stars

2 reviews

Michelle Keegan Asymmetric Linen Blend Halter Co-Ord Waistcoat - Red

Michelle Keegan

Asymmetric Linen Blend Halter Co-Ord Waistcoat - Red

Current sale price is £32

(Save £8)

Regular price was £40

5 out of 5 stars

2 reviews

Michelle Keegan Cape Maxi Chiffon Dress - Brown Polka Dot

Michelle Keegan

Cape Maxi Chiffon Dress - Brown Polka Dot

Current sale price is £51.20

(Save £28.80)

Regular price was £80

3.6 out of 5 stars

5 reviews

Michelle Keegan Lace Detail Column Dress - Brown

Michelle Keegan

Lace Detail Column Dress - Brown

Current sale price is £36

(Save £39)

Regular price was £75

1.5 out of 5 stars

2 reviews

The Very Collection Linen Blend Scoop Waistcoat - Natural

The Very Collection

Linen Blend Scoop Waistcoat - Natural

Current sale price is £26.25

(Save £8.75)

Regular price was £35

5 out of 5 stars

2 reviews

The Very Collection Flare Trouser Co Ord - Green

The Very Collection

Flare Trouser Co Ord - Green

Current sale price is £22

(Save £8)

Regular price was £30

3.4 out of 5 stars

5 reviews

Michelle Keegan Cap Sleeve Cinched Pleated Blouse - Ivory

Michelle Keegan

Cap Sleeve Cinched Pleated Blouse - Ivory

Current sale price is £20

(Save £20)

Regular price was £40

4.5 out of 5 stars

2 reviews

Michelle Keegan Wide Leg Trouser Co Ord - Lemon

Michelle Keegan

Wide Leg Trouser Co Ord - Lemon

Current sale price is £17.20

(Save £17.80)

Regular price was £35

3.8 out of 5 stars

4 reviews

Michelle Keegan Linen Blend Blazer Dress - Beige

Michelle Keegan

Linen Blend Blazer Dress - Beige

Current sale price is £44

(Save £11)

Regular price was £55

4 out of 5 stars

2 reviews

The Very Collection Linen Blend Wide Leg Trouser Co Ord - Peach

The Very Collection

Linen Blend Wide Leg Trouser Co Ord - Peach

Current sale price is £23.80

(Save £11.20)

Regular price was £35

2.5 out of 5 stars

2 reviews

The Very Collection Linen Blend Scoop Waistcoat - Brown

The Very Collection

Linen Blend Scoop Waistcoat - Brown

Current sale price is £26.25

(Save £8.75)

Regular price was £35

3.3 out of 5 stars

3 reviews

The Very Collection Boys 4-Piece Waistcoat, Shirt Shorts And Bow Set - Grey

The Very Collection

Boys 4-Piece Waistcoat, Shirt Shorts And Bow Set - Grey

From £36

5 out of 5 stars

1 review

Michelle Keegan Trim Detail Bandeau Top Co Ord - Lemon

Michelle Keegan

Trim Detail Bandeau Top Co Ord - Lemon

Current sale price is £19.60

(Save £15.40)

Regular price was £35

3.8 out of 5 stars

4 reviews

Michelle Keegan Floral Applique Midi Dress - Blue

Michelle Keegan

Floral Applique Midi Dress - Blue

Current sale price is £31.50

(Save £38.50)

Regular price was £70

3 out of 5 stars

1 review

The Very Collection Wide Leg Trousers - Black

The Very Collection

Wide Leg Trousers - Black

Current sale price is £20

(Save £5)

Regular price was £25

4.3 out of 5 stars

12 reviews

Michelle Keegan Tailored Lapel Bomber Jacket - Lemon

Michelle Keegan

Tailored Lapel Bomber Jacket - Lemon

Current sale price is £26.40

(Save £33.60)

Regular price was £60

4.7 out of 5 stars

3 reviews

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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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© The Very Group Limited. All Rights Reserved.

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

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.