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undefined Sterling Silver 925 Cubic Zirconia Classic Round Stud Set - Gift Boxed

Sterling Silver 925 Cubic Zirconia Classic Round Stud Set - Gift Boxed

Current sale price is £20

(Save £5)

Regular price was £25

undefined Gift Boxed Sterling Silver 925 Tri- Tone Star Necklace Jewellery Set

Gift Boxed Sterling Silver 925 Tri- Tone Star Necklace Jewellery Set

Current sale price is £22

(Save £6)

Regular price was £28

5 out of 5 stars

2 reviews

undefined Sterling Silver 925 Halo Drop Earring Earrings

Sterling Silver 925 Halo Drop Earring Earrings

Current sale price is £24

(Save £6)

Regular price was £30

4.4 out of 5 stars

13 reviews

undefined Sterling Silver 925 Polished Double Row Ball Chain Bracelet

Sterling Silver 925 Polished Double Row Ball Chain Bracelet

Current sale price is £22

(Save £6)

Regular price was £28

3 out of 5 stars

2 reviews

undefined Sterling Silver 925 Mini Tree Of Life and Heart Stretch Bracelets

Sterling Silver 925 Mini Tree Of Life and Heart Stretch Bracelets

Current sale price is £28

(Save £7)

Regular price was £35

3 out of 5 stars

7 reviews

undefined Moana & Maui's Canoe, Fisher-Price Little People Toddler Toys

Moana & Maui's Canoe, Fisher-Price Little People Toddler Toys

Current sale price is £14.99

(Save £4)

Regular price was £18.99

4.7 out of 5 stars

38 reviews

undefined Shortie Pyjama Set - Multi

Shortie Pyjama Set - Multi

Current sale price is From £11.20

(Save up to £3.20)

Regular price was From £14

undefined Sterling Silver 925 CZ Mini Hoop Earrings - 10mm

Sterling Silver 925 CZ Mini Hoop Earrings - 10mm

Current sale price is £14

(Save £4)

Regular price was £18

3.6 out of 5 stars

18 reviews

undefined Moana 2 Classic Costume

Moana 2 Classic Costume

Current sale price is £14.99

(Save £3)

Regular price was £17.99

5 out of 5 stars

2 reviews

undefined Sterling Silver 925 Polished Double Row Station Heart Necklace

Sterling Silver 925 Polished Double Row Station Heart Necklace

Current sale price is £48

(Save £12)

Regular price was £60

undefined Sterling Silver 925 Polished And Cubic Zirconia Heart set- Gift Boxed

Sterling Silver 925 Polished And Cubic Zirconia Heart set- Gift Boxed

Current sale price is £20

(Save £5)

Regular price was £25

undefined Sterling Silver 925 Cubic Zirconia Climber Earrings - Pack of 3

Sterling Silver 925 Cubic Zirconia Climber Earrings - Pack of 3

Current sale price is £22

(Save £6)

Regular price was £28

4 out of 5 stars

1 review

undefined Sterling Silver 925 with Cubic Zirconia Classic Polished Bangle Bracelet

Sterling Silver 925 with Cubic Zirconia Classic Polished Bangle Bracelet

Current sale price is £52

(Save £13)

Regular price was £65

4.4 out of 5 stars

14 reviews

undefined Sterling Silver 925 Mini Diamond Cut Hoop Earrings - SS19

Sterling Silver 925 Mini Diamond Cut Hoop Earrings - SS19

Current sale price is £10

(Save £2)

Regular price was £12

2.9 out of 5 stars

21 reviews

undefined Sterling Silver 925 Polished Diamond Cut Heart Pendant - incl chain cost

Sterling Silver 925 Polished Diamond Cut Heart Pendant - incl chain cost

Current sale price is £24

(Save £6)

Regular price was £30

undefined Moana 2 Moana & Maui Petite Gift Set

Moana 2 Moana & Maui Petite Gift Set

Current sale price is £19.99

(Save £7)

Regular price was £26.99

5 out of 5 stars

24 reviews

undefined Girl Bear Gingham Shorts Set - Cream

River Island Baby

Girl Bear Gingham Shorts Set - Cream

Current sale price is £19.20

(Save £4.80)

Regular price was £24

undefined Sterling Silver 925 with Cubic Zirconia 3mm Brilliant Round Stud Earrings

Sterling Silver 925 with Cubic Zirconia 3mm Brilliant Round Stud Earrings

Current sale price is £8

(Save £2)

Regular price was £10

3.6 out of 5 stars

14 reviews

undefined Moana Sweat And Short Set

Moana Sweat And Short Set

Current sale price is From £17.60

(Save up to £4.80)

Regular price was From £22

undefined Girl Daisy Gingham Dress Set - Yellow

River Island Baby

Girl Daisy Gingham Dress Set - Yellow

Current sale price is £20.80

(Save £5.20)

Regular price was £26

undefined Sterling Silver 925 Silver and CZ Hoop

Sterling Silver 925 Silver and CZ Hoop

Current sale price is £21

(Save £5)

Regular price was £26

undefined Sterling Silver 925 Cubic Zirconia Pave Hoop Earrings

Sterling Silver 925 Cubic Zirconia Pave Hoop Earrings

Current sale price is £36

(Save £9)

Regular price was £45

undefined Sterling Silver 925 Polsihed Snake Textured Hoop Earrings

Sterling Silver 925 Polsihed Snake Textured Hoop Earrings

Current sale price is £32

(Save £8)

Regular price was £40

undefined Sterling Silver 925 Polished Bow Stud Earrings

Sterling Silver 925 Polished Bow Stud Earrings

Current sale price is £16

(Save £4)

Regular price was £20

undefined Sterling Silver 925 Molten Heart Pendant

Sterling Silver 925 Molten Heart Pendant

Current sale price is £32

(Save £8)

Regular price was £40

undefined Sterling Silver 925 Freshwater Pearl Cubic Zirconia Sleek Drop Earrings

Sterling Silver 925 Freshwater Pearl Cubic Zirconia Sleek Drop Earrings

Current sale price is £24

(Save £6)

Regular price was £30

4 out of 5 stars

2 reviews

undefined Moana T-Shirt And Skirt Set

Moana T-Shirt And Skirt Set

Current sale price is From £11.50

(Save up to £7.25)

Regular price was From £18

undefined Sterling Silver 925 Cubic Zirconia Clover Large stud Earrings

Sterling Silver 925 Cubic Zirconia Clover Large stud Earrings

Current sale price is £24

(Save £6)

Regular price was £30

undefined Sterling Silver 925 Chunky Polished Ring

Sterling Silver 925 Chunky Polished Ring

Current sale price is £65

(Save £70)

Regular price was £135

undefined Sterling Silver 925 with Cubic Zirconia Halo Stud Earrings

Sterling Silver 925 with Cubic Zirconia Halo Stud Earrings

Current sale price is £20

(Save £5)

Regular price was £25

4.5 out of 5 stars

4 reviews

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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

<COPY/PASTE WELCOME>

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. 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.