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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 17 range, Apple Mac Lines, Apple Watch Series 11, Ultra 3 and SE3, 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:

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.

Ladies Watches, £100-£250, £40-£50, £50-£75, £75-£100, Smart Watch, Gifts & Jewellery

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Results: 1 - 30 (of 108)

Watch SE (GPS, 2024) Starlight Aluminium Case with Starlight Sport Band

Current sale price is From £159

Watch FIT Special Edition Smart Watch - Starry Black

Current sale price is £59

Ladies Series 21 Stainless Steel Lozenge Pale Gold Plated Strap Smart Watch

Current sale price is £60

Watch SE (GPS, 2024) Midnight Aluminium Case with Midnight Sport Band

Current sale price is From £174

Galaxy Watch7 BT - Galaxy AI

Current sale price is From £239

vivoactive 5 Music, GPS, WiFi

Current sale price is From £200

Series 57 Cobweb Leather Silicone Strap Smartwatch - Amoled/Calling

£95

Series 56 Cobweb Leather Silicone Strap Smartwatch - TFT/Calling

£85

Series 40 AMOLED Smart Aluminium Mink Strap Calling Watch

£49.95

Unisex Track Silver Alloy Bracelet with LCD Dial Smartwatch

£49.99

Versa 4 Fitness Smartwatch - built-in GPS, 6-day battery life, Android & iOS compatible - Waterfall Blue/Platinum Aluminium

£179

Watch SE 3 (GPS, 2025) 40mm Starlight Aluminium Case with Starlight Sport Band - S/M

£219

Series 56 Salt Leather Strap And Ink Silicone Strap Smartwatch - TFT/Calling

£99

Ladies Series 21 Smart Ink Lozenge Watch

Current sale price is £50

Watch SE (GPS, 2024) Silver Aluminium Case with Blue Cloud Sport Loop

Current sale price is From £159

Series 55 Stone And Teal Silicone Strap Smartwatch TFT/Calling

£49

Series 56 Black Leather Silicone Strap Smartwatch - TFT/Calling

£85

Series 31 Pink Silicone Amoled Smart Calling Watch

Current sale price is £40

Vivomove Sport Hybrid Smartwatch with Hidden Touchscreen Display

£179.99

Unisex Track Two Tone Alloy Bracelet with LCD Dial Smartwatch

£54.99

Womens Connect Silver Stainless Steel Mesh Bracelet Smartwatch

£90

Series 55 Artichoke And Black Silicone Strap Smartwatch - TFT/Calling

£49

Lily 2 - Cream Gold Case with Coconut Silicone Band

£249

Series 48 Pink Leather Strap T-Bar Amoled Smartwatch - Amoled/Calling

£95

Series 47 Shaped Bezel Pale Gold Smart Watch - Amoled/Calling

£99

stainless steel 38-49mm band for apple watch

Current sale price is £103

Series 40 Forest Green Silicone Strap Amoled Smart Calling Watch

£50

Series 41 Stone Set Gold Bracelet Amoled Smart Calling Watch

£65

Series 48 Pale Gold T-Bar Amoled Smartwatch - Amoled/Calling

£99

Series 48 Cognac Leather Strap T-Bar Amoled Smartwatch - Amoled/Calling

£95

Results: 1 - 30 (of 108)