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Pay later with Very Pay

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The Very Collection Pure Cotton Washed Button Up Ribbed Knitted Cardigan - Green

The Very Collection

Pure Cotton Washed Button Up Ribbed Knitted Cardigan - Green

Current sale price is £15

(Save £17)

Regular price was £32

5 out of 5 stars

1 review

The Very Collection Pure Cotton Washed 1/4 Zip Ribbed Knitted Jumper - Green

The Very Collection

Pure Cotton Washed 1/4 Zip Ribbed Knitted Jumper - Green

Current sale price is £15

(Save £17)

Regular price was £32

4 out of 5 stars

2 reviews

The Very Collection Cotton Rich Knitted Crew Neck Jumper - Navy

The Very Collection

Cotton Rich Knitted Crew Neck Jumper - Navy

£22

4.8 out of 5 stars

5 reviews

The Very Collection Cotton Rich Knitted V Neck Jumper - Navy

The Very Collection

Cotton Rich Knitted V Neck Jumper - Navy

Current sale price is £14.25

(Save £7.75)

Regular price was £22

5 out of 5 stars

5 reviews

The Very Collection Cotton Rich Knitted Crew Neck Jumper - Black

The Very Collection

Cotton Rich Knitted Crew Neck Jumper - Black

£22

5 out of 5 stars

1 review

The Very Collection Pure Cotton Jacquard Textured Knitted T-Shirt - Mushroom

The Very Collection

Pure Cotton Jacquard Textured Knitted T-Shirt - Mushroom

Current sale price is £20.25

(Save £3.75)

Regular price was £24

The Very Collection Supersoft Crew Neck Jumper With Wool - Blue

The Very Collection

Supersoft Crew Neck Jumper With Wool - Blue

Current sale price is £12.25

(Save £19.75)

Regular price was £32

5 out of 5 stars

1 review

Barbour Flaxby Linen Blend Crew Neck Knitted Jumper - Grey

Flaxby Linen Blend Crew Neck Knitted Jumper - Grey

Current sale price is £50

(Save £50)

Regular price was £100

Very Man Jacquard Crew Neck Knitted Jumper - Navy

Jacquard Crew Neck Knitted Jumper - Navy

Current sale price is £16

(Save £16)

Regular price was £32

5 out of 5 stars

1 review

Tommy Hilfiger Essential Cotton Crew Neck Knitted Jumper - Black

Essential Cotton Crew Neck Knitted Jumper - Black

Current sale price is £70

(Save £20)

Regular price was £90

5 out of 5 stars

2 reviews

The Very Collection Knitted Textured Polo Shirt - Sage Green

The Very Collection

Knitted Textured Polo Shirt - Sage Green

£25

The Very Collection Cotton Blend Stripe Knitted Polo - White

The Very Collection

Cotton Blend Stripe Knitted Polo - White

Current sale price is £12

(Save £16)

Regular price was £28

Jack & Jones Emil Zip Through Short Sleeve Knitted Polo Top - Oatmeal

Emil Zip Through Short Sleeve Knitted Polo Top - Oatmeal

£30

The Very Collection Cotton Rich Short Sleeve Knitted T-Shirt - Black

The Very Collection

Cotton Rich Short Sleeve Knitted T-Shirt - Black

Current sale price is £11

(Save £5)

Regular price was £16

Tommy Hilfiger Essential Cotton Crew Neck Knitted Jumper - Navy

Essential Cotton Crew Neck Knitted Jumper - Navy

Current sale price is £75.50

(Save £14.50)

Regular price was £90

4 out of 5 stars

2 reviews

Calvin Klein Jeans Left Chest Woven Badge Waffle Long Sleeve T-Shirt - Off White

Calvin Klein Jeans

Left Chest Woven Badge Waffle Long Sleeve T-Shirt - Off White

Current sale price is £44

(Save £11)

Regular price was £55

3 out of 5 stars

1 review

The Very Collection Cotton Rich Knitted Crew Neck Jumper - Charcoal

The Very Collection

Cotton Rich Knitted Crew Neck Jumper - Charcoal

£22

4.3 out of 5 stars

3 reviews

PS PAUL SMITH Regular Fit Collared Knitted Cardigan - Blue

Regular Fit Collared Knitted Cardigan - Blue

Current sale price is £87.50

(Save £87.50)

Regular price was £175

Barbour Flaxby Linen Blend Crew Neck Knitted Jumper - Light Beige

Flaxby Linen Blend Crew Neck Knitted Jumper - Light Beige

Current sale price is £50

(Save £50)

Regular price was £100

Mango Warrior Knitted Jumper - Khaki

Warrior Knitted Jumper - Khaki

Current sale price is £25

(Save £25)

Regular price was £50

Armani Exchange Knitted Jumper - Dark Khaki

Armani Exchange

Knitted Jumper - Dark Khaki

Current sale price is £75

(Save £75)

Regular price was £150

The Very Collection Supersoft Crew Neck Jumper With Wool - Black

The Very Collection

Supersoft Crew Neck Jumper With Wool - Black

Current sale price is £15

(Save £17)

Regular price was £32

The Very Collection Cotton Rich Textured 1/4 Zip - Charcoal

The Very Collection

Cotton Rich Textured 1/4 Zip - Charcoal

Current sale price is £16

(Save £16)

Regular price was £32

3 out of 5 stars

1 review

River Island Button Up Knitted Cardigan - Beige

Button Up Knitted Cardigan - Beige

Current sale price is £25

(Save £17)

Regular price was £42

Jack & Jones Ollie Knitted Cardigan - Black

Ollie Knitted Cardigan - Black

Current sale price is £15

(Save £25)

Regular price was £40

Mango Samos Short Sleeve Knitted Polo Shirt - Khaki

Samos Short Sleeve Knitted Polo Shirt - Khaki

Current sale price is £30

(Save £16)

Regular price was £46

Original Housemark Logo Knitted Jumper- Black

Current sale price is £52.50

(Save £17.50)

Regular price was £70

4.5 out of 5 stars

4 reviews

The Very Collection Cotton Rich Short Sleeve Knitted T-Shirt - Navy

The Very Collection

Cotton Rich Short Sleeve Knitted T-Shirt - Navy

Current sale price is £11

(Save £5)

Regular price was £16

Superdry Cotton Stripe Knitted Half Zip Jumper - Navy

Cotton Stripe Knitted Half Zip Jumper - Navy

Current sale price is £36

(Save £24)

Regular price was £60

The Very Collection Cotton Rich Short Sleeve Knitted T-Shirt - Grey

The Very Collection

Cotton Rich Short Sleeve Knitted T-Shirt - Grey

Current sale price is £11

(Save £5)

Regular price was £16

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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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© The Very Group Limited. All Rights Reserved.

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.