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Armani Exchange

Embellished Logo Hoodie - White

Current sale price is £52.50

(Save £97.50)

Regular price was £150

5 out of 5 stars

1 review

THE NORTH FACE Women's Short Sleeve Essential Oversized Tee - White

Women's Short Sleeve Essential Oversized Tee - White

Current sale price is £22.50

(Save £7.50)

Regular price was £30

3 out of 5 stars

1 review

River Island Short Sleeve Drape Textured Top - Grey

Short Sleeve Drape Textured Top - Grey

Current sale price is £21.50

(Save £7.50)

Regular price was £29

Tommy Jeans Heart Graphic Slim T-Shirt - White

Heart Graphic Slim T-Shirt - White

Current sale price is £18

(Save £12)

Regular price was £30

Vero Moda Frill Detail V Neck Blouse - White

Frill Detail V Neck Blouse - White

Current sale price is £24.75

(Save £20.25)

Regular price was £45

1 out of 5 stars

1 review

AllSaints Lyss Lila Sweatshirt - White

Lyss Lila Sweatshirt - White

Current sale price is £76.25

(Save £32.75)

Regular price was £109

Calvin Klein 3 Pack Scoop Neck Cotton Tank Top - White

3 Pack Scoop Neck Cotton Tank Top - White

Current sale price is £22.50

(Save £22.50)

Regular price was £45

3 out of 5 stars

1 review

Puma Women's Classics Winterized Half-Zip - Off White

Women's Classics Winterized Half-Zip - Off White

Current sale price is £34

(Save £51)

Regular price was £85

PIECES Summer Short Sleeve Printed T-Shirt - White

Summer Short Sleeve Printed T-Shirt - White

Current sale price is £9.25

(Save £8.75)

Regular price was £18

River Island Asymmetric Hybrid Waistcoat Playsuit - Orange

Asymmetric Hybrid Waistcoat Playsuit - Orange

Current sale price is £34

(Save £12)

Regular price was £46

River Island Poplin Mix Frill Top - White

Poplin Mix Frill Top - White

Current sale price is £9.25

(Save £19.75)

Regular price was £29

River Island Short Bow Top - White

Short Bow Top - White

Current sale price is £29.25

(Save £9.75)

Regular price was £39

River Island Short Sleeve Lollipop T-shirt - White

Short Sleeve Lollipop T-shirt - White

Current sale price is £17.50

(Save £6.50)

Regular price was £24

5 out of 5 stars

1 review

River Island Oversized Broderie Shirt - White

Oversized Broderie Shirt - White

Current sale price is £25

(Save £17)

Regular price was £42

4.2 out of 5 stars

5 reviews

Levi's Graphic Authentic Tee - Core Boxtab Authentic Tee White+

Graphic Authentic Tee - Core Boxtab Authentic Tee White+

Current sale price is £16.50

(Save £13.50)

Regular price was £30

4.3 out of 5 stars

4 reviews

AllSaints Separo Pearl Sweatshirt - White

Separo Pearl Sweatshirt - White

Current sale price is £87.25

(Save £71.75)

Regular price was £159

adidas Originals Women's Liberty Crew Socks 2 Pack - Off White

adidas Originals

Women's Liberty Crew Socks 2 Pack - Off White

Current sale price is £12

(Save £3)

Regular price was £15

5 out of 5 stars

2 reviews

JDY Felina-Fina High Waist Wide Leg Denim Jean - White

Felina-Fina High Waist Wide Leg Denim Jean - White

Current sale price is £15.75

(Save £29.25)

Regular price was £45

JDY Norma Long Sleeve Bow Tie Neck Blouse - White

Norma Long Sleeve Bow Tie Neck Blouse - White

Current sale price is £29.50

(Save £5.50)

Regular price was £35

JDY Heaven V-Neck Anglaise Dress - White

Heaven V-Neck Anglaise Dress - White

Current sale price is £25

(Save £25)

Regular price was £50

River Island Glitter L'Amour Bag T-Shirt - White

Glitter L'Amour Bag T-Shirt - White

Current sale price is £17.50

(Save £6.50)

Regular price was £24

AllSaints Amelie Pearl T-Shirt - White

Amelie Pearl T-Shirt - White

Current sale price is £59.25

(Save £39.75)

Regular price was £99

FP Movement Womens Training All Clear Cami Crop - White

Womens Training All Clear Cami Crop - White

Current sale price is £14

(Save £14)

Regular price was £28

River Island Drape Ruched Shoulder Top - Orange

Drape Ruched Shoulder Top - Orange

Current sale price is £17

(Save £12)

Regular price was £29

Mango Denim Belted Skort - White

Denim Belted Skort - White

Current sale price is £36.75

(Save £9.25)

Regular price was £46

5 out of 5 stars

1 review

AllSaints Hettie Fray Shacket - White

Hettie Fray Shacket - White

Current sale price is £50.75

(Save £108.25)

Regular price was £159

JDY Mio Sleeveless Bubblehem Dress - White

Mio Sleeveless Bubblehem Dress - White

Current sale price is £21

(Save £14)

Regular price was £35

Vero Moda Pamela Short Woven Dress - White

Pamela Short Woven Dress - White

Current sale price is £19.75

(Save £25.25)

Regular price was £45

4 out of 5 stars

2 reviews

River Island Short Sleeve Boucle Jacket - White

Short Sleeve Boucle Jacket - White

Current sale price is £28.75

(Save £7.25)

Regular price was £36

5 out of 5 stars

1 review

Calvin Klein Jeans Short Sleeve Boxy Fit Tee - White

Calvin Klein Jeans

Short Sleeve Boxy Fit Tee - White

Current sale price is £26.25

(Save £8.75)

Regular price was £35

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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

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

<COPY/PASTE WELCOME>

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.