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Free home delivery on orders £75+

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Shop the brands you love

Pay later with Very Pay

Get autumn ready - up to 25% off with code AUTUMN

Get autumn ready - up to 25% off with code AUTUMN

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Jon Richard Gold Plated Crystal Clover Trio Set - Gift Boxed

Gold Plated Crystal Clover Trio Set - Gift Boxed

Current sale price is £20

Regular price was £30

(Save £10)

4.2 out of 5 stars

6 reviews

Emporio Armani Chronograph Stainless Steel Watch and Bracelet Set (AR80088SET)

Chronograph Stainless Steel Watch and Bracelet Set (AR80088SET)

Current sale price is £143

Regular price was £239

(Save £96)

Activity Superstore Signature Two Night Hotel Break for Two

Activity Superstore

Signature Two Night Hotel Break for Two

Current sale price is £129

Regular price was £169

(Save £40)

Virgin Experience Days Emirates Stadium Tour for One Adult and One Child, London

Virgin Experience Days

Emirates Stadium Tour for One Adult and One Child, London

Current sale price is £56

Regular price was £63

(Save £7)

5 out of 5 stars

1 review

Virgin Experience Days Cadbury World Visit for Two Adults and Two Children, Birmingham

Virgin Experience Days

Cadbury World Visit for Two Adults and Two Children, Birmingham

Current sale price is £69

Regular price was £85.50

(Save £16.50)

5 out of 5 stars

1 review

Love DIAMOND 2Ct Diamond Trilogy Lab Grown Ring

2Ct Diamond Trilogy Lab Grown Ring

Current sale price is £1362

Regular price was £1946

(Save £584)

5 out of 5 stars

1 review

Love DIAMOND 3Ct Marquise Diamond Gold Band Solitaire Ring

3Ct Marquise Diamond Gold Band Solitaire Ring

Current sale price is £3200

Regular price was £4000

(Save £800)

Emporio Armani Three-Hand Date Black Watch and Bracelet Set

Three-Hand Date Black Watch and Bracelet Set

Current sale price is £119

Regular price was £199

(Save £80)

Virgin Experience Days 18 Hole Round of Golf for Two at The Shrigley Hall Hotel, Cheshire

Virgin Experience Days

18 Hole Round of Golf for Two at The Shrigley Hall Hotel, Cheshire

Current sale price is £61

Regular price was £73

(Save £12)

3 out of 5 stars

1 review

The Personalised Memento Company Personalised Photo Upload LED Glass Jar

The Personalised Memento Company

Personalised Photo Upload LED Glass Jar

Current sale price is £16

Regular price was £19.99

(Save £3.99)

5 out of 5 stars

1 review

Radley 18ct GP MOP Heart Flower Friendship Bracelet

18ct GP MOP Heart Flower Friendship Bracelet

Current sale price is £36

Regular price was £45

(Save £9)

5 out of 5 stars

2 reviews

Virgin Experience Days Four Supercar Blast plus High Speed Passenger Ride and Photo - 48 UK Locations

Virgin Experience Days

Four Supercar Blast plus High Speed Passenger Ride and Photo - 48 UK Locations

Current sale price is £150

Regular price was £182

(Save £32)

BOSS Automatic Stainless Steel Troper Bracelet Watch

Automatic Stainless Steel Troper Bracelet Watch

Current sale price is £197

Regular price was £329

(Save £132)

Armani Exchange Chronograph Black Watch and Bracelet Set

Armani Exchange

Chronograph Black Watch and Bracelet Set

Current sale price is £143

Regular price was £239

(Save £96)

The Love Collection Gold Plated Heart and Initial Charm Necklace

+23 colours+22 colours+21 colours+20 colours+19 colours

Available in s, e, a and 23 more coloursAvailable in s, e, a, l and 22 more coloursAvailable in s, e, a, l, m and 21 more coloursAvailable in s, e, a, l, m, r and 20 more coloursAvailable in s, e, a, l, m, r, p and 19 more colours

The Love Collection

Gold Plated Heart and Initial Charm Necklace

Current sale price is £16

Regular price was £18

(Save £2)

3.3 out of 5 stars

8 reviews

Virgin Experience Days LUSH Spa Tangled Hair Upper Body and Head Massage Experience - 10 UK Locations

Virgin Experience Days

LUSH Spa Tangled Hair Upper Body and Head Massage Experience - 10 UK Locations

Current sale price is £43

Regular price was £48

(Save £5)

Virgin Experience Days Celtic FC Stadium Tour for Two Adults, Glasgow

Virgin Experience Days

Celtic FC Stadium Tour for Two Adults, Glasgow

Current sale price is £33

Regular price was £37

(Save £4)

4 out of 5 stars

1 review

Armani Exchange Chronograph Watch and Bracelet Set

Armani Exchange

Chronograph Watch and Bracelet Set

Current sale price is £143

Regular price was £239

(Save £96)

Virgin Experience Days Go Karting for Two - 6 UK Locations

Virgin Experience Days

Go Karting for Two - 6 UK Locations

Current sale price is £99

Regular price was £110

(Save £11)

Virgin Experience Days Stargazing Experience For Two With Dark Sky Wales

Virgin Experience Days

Stargazing Experience For Two With Dark Sky Wales

Current sale price is £40

Regular price was £50

(Save £10)

5 out of 5 stars

1 review

Inicio Sterling Silver Two Tone T-Bar Heart Necklace - Gift Pouch

Sterling Silver Two Tone T-Bar Heart Necklace - Gift Pouch

Current sale price is £30

Regular price was £40

(Save £10)

5 out of 5 stars

2 reviews

Love DIAMOND 2.25Ct Round Diamond Solitaire Ring

2.25Ct Round Diamond Solitaire Ring

Current sale price is £1217

Regular price was £1738

(Save £521)

Virgin Experience Days Liverpool Fc Stadium Tour & Museum Entry For Two

Virgin Experience Days

Liverpool Fc Stadium Tour & Museum Entry For Two

Current sale price is £45

Regular price was £50

(Save £5)

5 out of 5 stars

2 reviews

Yankee Candle 3 Filled Votive

3 Filled Votive

Current sale price is £10

Regular price was £12

(Save £2)

Virgin Experience Days The Oldfield Forge Blacksmith for a Day, Herefordshire

Virgin Experience Days

The Oldfield Forge Blacksmith for a Day, Herefordshire

Current sale price is £100

Regular price was £111

(Save £11)

Virgin Experience Days LUSH Spa Fresh Facial Spa Treatment - 10 UK Locations

Virgin Experience Days

LUSH Spa Fresh Facial Spa Treatment - 10 UK Locations

Current sale price is £50

Regular price was £56

(Save £6)

Virgin Experience Days Cineworld Cinema Tickets For 2 At Over 100 Locations UK Wide

Virgin Experience Days

Cineworld Cinema Tickets For 2 At Over 100 Locations UK Wide

Current sale price is £23

Regular price was £26

(Save £3)

1 out of 5 stars

1 review

Tikkers Pink Riptape Strap Watch and Over Ear Headphone Set

Pink Riptape Strap Watch and Over Ear Headphone Set

Current sale price is £36

Regular price was £44.99

(Save £8.99)

5 out of 5 stars

1 review

Michael Kors Stone Station Ring - Gold

Stone Station Ring - Gold

Current sale price is £47

Regular price was £59

(Save £12)

Tikkers Black strap and TWS set

Black strap and TWS set

Current sale price is £36

Regular price was £44.99

(Save £8.99)

5 out of 5 stars

1 review

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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

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.