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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 iPhone 16 range, 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 7% 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 7% 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).

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.

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Results: 1 - 30 (of 79)

Vitamin C Daily UV Brightening Fluid Sheer Glow, SPF50+, Prevents + Corrects Sun Damages + Evens Skin tone, Face & Neck, For all skin types, Cruelty-Free, Vegan, 40ml

£12.99

Vinosun Protect Invisible Stick SPF50 - 15 G

£16

Luxe Golden Glow Kit Gift Set

£15

Sun Golden Tan Maximizer After Sun Lotion 125ml

£24

Eight Hour Cream Sun Defense for Face SPF 50

£29

Vinosun After-Sun Repairing Lotion - 400 mL

£30

Vitamin C Daily UV, Invisible Brightening Fluid, SPF50+, Prevents + Corrects Sun Damages, Face & Neck, For all skin types, Cruelty Free, Vegan, 50ml

£12.99

Vinosun High Protection Cream SPF50 - 50 mL

£28

Sun Beauty Body Milk SPF15 175ml

£28

Endless Glow Essentials Gift Set

Current sale price is £27

Ambre Solaire Anti-Dark Spots & Anti-Pollution Super UV Protection Fluid SPF50+ 40ml

£13

Ambre Solaire Natural Bronzer, Self Tan Drops for Face

Current sale price is £13

Vitamin C BHA+NIACINAMIDE Daily UV 50ml

£12.99

Vinosun High Protection Cream SPF30 - 50 mL

£28

Sensitive Body Tan Activator SPF30 150ml

£28

Ulrasun Super Sensitive Glimmer SPF20 150ml

£28

Ambre Solaire Ideal Bronze Protective Oil Sun Cream Spray SPF15 150ml

£14

50ml Microdelivery Dream Peel

£45

Golden Tan Maximizer After Sun Serum 30ml

£24

Sun Sensitive Oil-Free Milky Face Fluid Sunscreen & Sun Protection Cream SPF50 50ml

£25

Ambre Solaire Natural Bronzer Face Tan Mist

£10

Ambre Solaire Over Makeup Super UV Protection Mist SPF50 - 75ml

Current sale price is £10

Sun Sensitive Oil-Free Body Milk Sunscreen & Sun Protection Cream SPF50 150ml

£28

Eight Hour Cream Targeted Sun Defense Stick SPF 50

£18

Ambre Solaire Super UV Vitamin C Serum - 150ml

£14

Super Sensitive Family SPF30 100ml

Current sale price is £18

Ambre Solaire Ideal Bronze Protective Oil Sun Cream Spray SPF20, UVA & UVB Protection, 150ml

£14

Ambre Solaire Ideal Bronze Protective Oil Sun Cream Spray SPF30, UVA & UVB Protection, 150ml

£14

Ambre Solaire SPF 50+ Sensitive Advanced Kids Hypoallergenic Sun Cream Lotion 175ml

£16

Ambre Solaire SPF 50+ Sensitive Advanced Hypoallergenic Sun Cream - 175ml

£16

Results: 1 - 30 (of 79)