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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.

Digital Downloads, Virgin Experience Days, For Him, Gift Experiences, Gifts & Jewellery

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Results: 1 - 30 (of 95)

Digital Voucher One Night Staycation

£99

Digital Voucher Visit to Thorpe Park Resort for Two

Current sale price is £59

Digital £250 Gift Card

£250

Digital Voucher Mustang Blast

Current sale price is £32

Digital Voucher - Port Lympne Safari One Night Glamping Stay For Up To 4

£215

Digital Voucher Land Away Double Flying Lesson

£175

Digital Voucher Adrenaline Drive Collection - Over 30 Experiences to Choose From

£100

Digital Voucher Classic Spa Day with Treatment for Two at Bannatyne Health Clubs

£99

Digital Download Bottomless Brunch for Two at Social Pubs & Kitchens

£68

Digital Voucher Cineworld Cinema Tickets For 2 At Over 100 Locations

Current sale price is £23

Afternoon Tea for Two at a Traditional Pub

£35

Digital Voucher Visit to Alton Towers Resort for Two

Current sale price is £60

Digital Voucher One Night Break With Dinner And Steam Train Trip On The Spa Valley Railway For Two

£194

Digital Voucher Good Times for Him Collection - Over 130 Experiences To Choose From

Current sale price is £43

Digital Voucher - 18 Hole Round of Golf for 2 at The Shrigley Hall Hotel

Current sale price is £57

Digital Voucher The FRIENDS Experience: The One in London for Two

£57

Digital Voucher Two Night Glamping Pod Break in Devon

£134.50

Digital Voucher - Race into the World of Gaming Immersive Karting Experience for Two at Chaos Karts

£71

Digital Voucher - Faulty Towers The Dining Experience for 2

£158.50

Digital Voucher Traditional Afternoon Tea For Two At The Gotham Hotel, Manchester

£51

Digital Voucher Meet And Feed The Meerkats For Two At Millets Falconry Centre

£51

Digital Voucher Two Night Staycation

£198

Digital Voucher Winter Two Night Adventure Glamping Escape with Axe Throwing or Archery for Two at Wall Eden Farm

£264

Digital Voucher The Silverstone Interactive Museum - An Immersive History of British Motor Racing for Two

£57

Digital Voucher - The Coronation Street Experience for 2

£76

Digital Voucher Hotel Indigo Liverpool One Night Winter Stay with Prosecco for Two

£138.50

Digital Voucher Afternoon Tea With A Bottle Of Prosecco For Two At Revolution Bars - 23 Locations UK Wide

Current sale price is £48

Digital Voucher Liverpool Fc Stadium Tour & Museum Entry For 2

Current sale price is £43

Digital Voucher Four Supercar Blast plus High Speed Passenger Ride and Photo

Current sale price is £164

Digital Voucher Three Course Dinner With Cocktail For Two At The Fortnum & Mason Bar And Restaurant At Royal Exchange

£99

Results: 1 - 30 (of 95)