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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

Up to 30% off your first credit order!

What you need to know
Apply for Very Pay and enter WELCOME at the checkout. 30% off Clothing & Footwear and 20% off all other departments.

Representative 44.9% APR variable

Excludes iPad Air M4, Samsung S26 range, Nintendo Switch 2 consoles, Xbox consoles, iPhone 17 range, Apple Mac Lines, all egg items, Omni by Target Darts, 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.

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.

Extra 15% off selected

Engagement Rings

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Results: 31 - 60 (of 242)

Cleo 9ct Yellow Gold Created Emerald Trilogy Ring

£800

Arianna 9ct Yellow Gold Lab Grown Diamond Bezel Set Solitaire Band Ring

£550

Engagement Ring 18Ct Gold & Platinum Cushion Halo 0.50Ct Diamond Ring - White

£2750

Sterling Silver Cubic Zirconia Princess Cut Halo Ring

Current sale price is £44

9Ct 160Ct Total Eq Criss Cross Cushion And Round Brilliant Trilogy Ring

£650

Naya 9ct White Gold 0.37ct tw. Lab Grown Diamond Cluster Engagement Ring

£925

Engagement Ring 18Ct Gold & Platinum Solitaire Princess Cut 1Ct Diamond Ring - White

£5250

Oval & Heart 1.00ct Lab Grown Diamond Ring - 9ct Yellow Gold

Current sale price is £1035

Engagement Ring 14Ct Gold Six Claw Solitaire 066Ct Diamond Ring - White

£4000

9ct White Gold 7mm CZ Solitatire Ring

£339

2Ct Princess Cut Diamond Solitaire Ring G VS+ Lab Grown

Current sale price is £2295

9ct White Gold 8 x 5mm Pear CZ Ring

£339

18ct Yellow Gold Engagement Ring. 0.50ct Diamond Cushion Shape Halo Ring

£2400

2Ct Rub Over Solitaire - Lab Grown

Current sale price is £1799.10

Round & Pear 1.50ct Lab Grown Diamond Ring - 9ct White Gold

Current sale price is £1260

Lady Lynsey 9ct Yellow Gold 1.40ct total eq Hidden Halo Solitaire Ring

Current sale price is £599

Thea 9ct Yellow Gold 0.24ct tw. Lab Grown Diamond Floating Solitaire Band Ring

£730

Engagement Ring Cushion Shaped Double Halo 1Ct Diamond Ring - Platinum

£4000

Eden 9ct White Gold 0.60ct tw. Lab Grown Diamond Engagement Ring

£835

9ct Gold Lady Lynsey 4ct total Pear Shaped Moissanite Solitaire Ring

£999

Vera Wang Cluster Pear Shape 060Ct Diamond Engagement Ring - Platinum

£3750

Esme 9ct White Gold 0.66ct tw. Lab Grown Diamond Wrap Engagement Ring

£1025

9ct Gold 0.75ct total eq Moissanite Solitaire Ring

Current sale price is £399.20

Engagement Ring 18Ct Gold 1Ct Round Three Stone Diamond Ring

£4750

Willow 9ct Yellow Gold 0.90ct tw Lab Grown Diamond Petal Engagement Ring

£950

Zara 9ct Yellow Gold 0.15ct tw. Lab Grown Diamond East-West Marquise Band Ring

£750

Princess & Round Eternity 0.50Ct Diamond Ring - Platinum

£2500

Samara 9ct Yellow Gold 1.12ct tw. Lab Grown Diamond Oval Cluster Engagement Ring

£1080

Engagement Ring 18Ct Gold Pear Cut Halo 1Ct Diamond Ring - White

£4250

Engagement Ring Emerald Shaped Halo 0.50Ct Diamond Ring - Platinum

£2750

Results: 31 - 60 (of 242)