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20% off your first credit order

When you apply for Very Pay. Exclusions apply.

Representative 44.9% APR variable

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 16 range, Apple Mac lines, 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

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 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 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).

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 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.

All Watches, Ice-Watch, Radley

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Results: 1 - 30 (of 107)

Ice-Watch Boliday Dome Gold IP Steel case Pink Dial Pink Silicone Strap

£115

Boliday Pink Dial Pink Silicone Strap 3-Hand Watch

£115

Ladies Series 20 Smart Interchangeable Strap Set

£100

Gold Plated 36mm MOP Stone Set SS Bracelet

£99.95

Ladies Series 8 Vintage Blue Silicone Strap Watch

£40

Ladies Rose Gold Open Shoulder Bracelet Watch

Current sale price is £54

Series 28 Amoled Mesh Watch - Rose Gold

£100

RY4347 Silver Floral and Rose Gold Detail Dog Charm Dial Stainless Steel Mesh Strap Ladies Watch

£115

Ladies Series 21 Smart Cranberry Red Lozenge Silicone Strap Watch

£60

Series 20 Smart Ink Rectangle Calling Watch with True Wireless Earphones

£110

Series 19 Smart Calling Watch with interchangeable Cobweb leather and Denim Silicone Straps

Current sale price is £50

Gold Plated 23mm Bangle Watch

£89.95

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

£70

Ladies Two Tone Gold & Silver Open Shoulder Bracelet Watch

£85

Series 20 Smart Calling Watch with Black Leather Strap

Current sale price is £77

Ice-Watch Mens Boliday Skeleton Black IP on Steel Black Dial Black Silicone Strap

£189

Smart Series 48 AMOLED Silver Smart Watch

£95

Series 32 Dark Olive Silicone Strap Smart Watch

£49.95

Gold Plated 34mm Bracelet

£99.95

Ladies Series 32 Navy Smart Watch

Current sale price is £40

Ladies Series 21 Smart Dark Plum Lozenge Silicone Strap Watch

Current sale price is £51

Ice-Watch Boliday Dome Gold IP Steel case Black Dial Black Silicone Strap

£115

Series 20 Smart Rectangle Calling Watch with True Wireless Earphones

£110

Ice-Watch Mens Boliday Skeleton Blue IP on Steel Blue Dial Blue Silicone Strap

£189

Smart Series 33 AMOLED Stoneset Gold Plated Black Leather Strap Smart Calling Watch

Current sale price is £76

Boliday Cream Nude/Rose Gold Silicone Strap Day Date Watch

£159

35mm Rose Gold Plated Smoke Blue Leather Strap

£90

Ice-Watch retro Digi Gold Case Purple Dial Purple Silcone Strap 32mm Digital Watch

£55

Rose Gold Plated Pink Leather Watch, 18ct Rose Gold Plated Charm Bracelet & Heart Ceramic Trinket Tray Set

£150

Series 28 Amoled Leather Strap Watch - Cobweb

Current sale price is £80

Results: 1 - 30 (of 107)

20% off your first credit order