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20% off your first credit order

When you apply for Very Pay. Exclusions apply.

Representative 44.9% APR variable

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 for up to 12 months depending on how much you spend. 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 to 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.

Gifts & Jewellery, H Samuel, Michael Kors, For Her

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Results: 1 - 30 (of 157)

Lauryn Three-Hand Gold-Tone Stainless Steel Watch, Earrings and Necklace Gift Set (VERY Exclusive)

Current sale price is £255

Sterling Silver Engagement Ring. Created White Sapphire Vintage Pear Ring

£119

Lexington Ladies Watch Stainless Steel

Current sale price is £188

Perfect Fit 9ct White Gold Engagement and Wedding Ring Set. 0.33ct Diamond Bridal Set

£1099

9ct Yellow Gold Engagement Ring. 0.04ct Total Diamond Cushion Ring

£299

14K Gold Astor Link Chain Bracelet

Current sale price is £135

9ct Yellow Gold Necklace. 18 inch Curb Chain

£149

Women's 38/40/41 mm and 42/44/45 mm Two-Tone Stainless Steel Band for Apple Watch, MKS8075E

Current sale price is £118

Perfect Fit Diamond Bridal Ring Set. 9ct White Gold 0.33ct Diamond Cushion Cluster Bridal Set

£1000

Perfect Fit 9ct White Gold Engagement and Wedding Ring Set. 0.40ct Diamond Bridal Set

£1199

9ct White Gold 0.20ct Diamond Emerald Cut Halo Ring

£700

9ct White Gold Engagement Ring. Double Row 0.33ct Diamond Eternity Engagement Ring

£1000

Perfect Fit Diamond Engagement and Wedding Ring Set. 9ct Yellow Gold 0.33ct Diamond Cushion Cluster Bridal Set

£1000

Womens Mini Bryant Chronograph, Gold-Tone Stainless Steel Watch

Current sale price is £228.50

Women's 14K Gold-Plated Sterling Silver Station Bracelet, MKC1781710

Current sale price is £75.50

9ct White Gold 0.33ct Diamond Illusion Halo Solitaire Engagement Ring

£1000

9ct White Gold Engagement Ring. 0.33ct Diamond Cushion Halo Ring

£799

14K Gold Sterling Silver Logo Pendant Necklace

Current sale price is £76

14K Gold-Plated Sterling Silver Double Layered Pavé Disk Necklace

Current sale price is £108

Womens Mini Bryant Chronograph, Two-Tone Stainless Steel Watch

Current sale price is £215

Platinum-Plated Empire Link Bangle Bracelet

Current sale price is £71

Women's Emery Three-Hand, Two-Tone Stainless Steel Watch, MK4882

£219

9ct White Gold Engagement Ring. 0.10ct Diamond Solitaire Ring

£399

14K Gold Sterling Silver Pave Empire Link Pendant Necklace

£89

9ct Yellow Gold Bracelet. 7.25 Inch Figaro Chain Bracelet

£299

9ct White Gold Engagement Ring. 0.20ct Diamond Pear Shaped Cluster Ring

£599

Women's Gramercy Two-Hand, Stainless Steel Watch, MK7529

Current sale price is £203

MK Empire Three-Hand Gold-Tone Stainless Steel Watch

£199

Sterling Silver Necklace. Cultured Freshwater Pearl Vintage Necklace

£119

Women's Gramercy Two-Hand, Gold-Tone Stainless Steel Watch, MK7527