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The Very Collection Savannah 120cm Round Ceramic Dining Table & 4 Nala Dining Chairs - FSC® Certified

The Very Collection

Savannah 120cm Round Ceramic Dining Table & 4 Nala Dining Chairs - FSC® Certified

Current sale price is £699

(Save £100)

Regular price was £799

1 out of 5 stars

1 review

Swan SR750145W 198L Chest Freezer 85cm Tall - White

Payday Deal

SR750145W 198L Chest Freezer 85cm Tall - White

Current sale price is £159

(Save £40)

Regular price was £199

1 out of 5 stars

1 review

Activity Superstore Two Night Getaway

Activity Superstore

Two Night Getaway

Current sale price is £99.99

(Save £50)

Regular price was £149.99

1.9 out of 5 stars

7 reviews

CyberPower PC Lumina Gaming Desktop - Intel Core Ultra 9 285K, GeForce RTX 5070 Ti, 32GB RAM, 1TB SSD - Black

Lumina Gaming Desktop - Intel Core Ultra 9 285K, GeForce RTX 5070 Ti, 32GB RAM, 1TB SSD - Black

Current sale price is £1999

(Save £300)

Regular price was £2299

1 out of 5 stars

1 review

The Very Collection Leopard Print Borg Fleece And Legging Loungewear Set - Pink

Payday Deal

The Very Collection

Leopard Print Borg Fleece And Legging Loungewear Set - Pink

Current sale price is £22.50

(Save £7.50)

Regular price was £30

1 out of 5 stars

1 review

Ingersoll 1892 The Rim Automatic Mens Watch with Black Skeleton Dial and Black PU Strap

1892 The Rim Automatic Mens Watch with Black Skeleton Dial and Black PU Strap

Current sale price is £210

(Save £315)

Regular price was £525

1 out of 5 stars

2 reviews

Tymo Curlgo Cordless Auto Curling Iron - Pink

Curlgo Cordless Auto Curling Iron - Pink

Current sale price is £79.99

(Save £20)

Regular price was £99.99

1 out of 5 stars

1 review

The Very Collection Aspen 3 Door, 2 Drawer Wardrobe - Dark Grey Oak Effect

The Very Collection

Aspen 3 Door, 2 Drawer Wardrobe - Dark Grey Oak Effect

Current sale price is £199

(Save £70)

Regular price was £269

1.5 out of 5 stars

4 reviews

adidas Originals Women's Firebird Loose Tracksuit Pants - Brown

adidas Originals

Women's Firebird Loose Tracksuit Pants - Brown

Current sale price is £60

(Save £10)

Regular price was £70

1 out of 5 stars

1 review

The Very Collection Houston 190 cm Sliding 2 Door Mirrored Wardrobe - White

The Very Collection

Houston 190 cm Sliding 2 Door Mirrored Wardrobe - White

Current sale price is £399

(Save £50)

Regular price was £449

1 out of 5 stars

1 review

Nike Kids Unisex Basic Crew Socks 6 Pack - White/grey/black

Payday Deal

Kids Unisex Basic Crew Socks 6 Pack - White/grey/black

Current sale price is £10.50

(Save £3.50)

Regular price was £14

1 out of 5 stars

1 review

The Very Collection Lisson Overbed Unit - Oatmeal - FSC® Certified

Payday Deal

The Very Collection

Lisson Overbed Unit - Oatmeal - FSC® Certified

Current sale price is £399

(Save £50)

Regular price was £449

1.7 out of 5 stars

3 reviews

Indesit My Time IDMA 75624 MY TIME UK Washer Dryer with steam - White - A/D Energy Rating

My Time IDMA 75624 MY TIME UK Washer Dryer with steam - White - A/D Energy Rating

Current sale price is £329

(Save £20)

Regular price was £349

1 out of 5 stars

1 review

adidas Originals Women's Three Stripe Pants - Black

Payday Deal

adidas Originals

Women's Three Stripe Pants - Black

Current sale price is £48.50

(Save £26.50)

Regular price was £75

1 out of 5 stars

1 review

The Very Collection Darcy 2 Door Wardrobe - White - FSC® Certified

The Very Collection

Darcy 2 Door Wardrobe - White - FSC® Certified

Current sale price is £229

(Save £50)

Regular price was £279

1 out of 5 stars

1 review

Tymo Rovy Wave Curling Iron - Pink

Rovy Wave Curling Iron - Pink

Current sale price is £53.99

(Save £6)

Regular price was £59.99

1 out of 5 stars

1 review

HUGO Garlo233 Regular Fit Drawstring Cargo Pants - Grey

Payday Deal

Garlo233 Regular Fit Drawstring Cargo Pants - Grey

Current sale price is £49.75

(Save £69.25)

Regular price was £119

1 out of 5 stars

1 review

Yours Curve 2 Pack Swirl Lace Bra - Black/White

Curve 2 Pack Swirl Lace Bra - Black/White

Current sale price is £30.25

(Save £7.75)

Regular price was £38

1.3 out of 5 stars

3 reviews

Michael Kors Women's 14k Gold-plated Sterling Silver Cz Halo Studs

Women's 14k Gold-plated Sterling Silver Cz Halo Studs

Current sale price is £63

(Save £26)

Regular price was £89

1 out of 5 stars

1 review

Gym + Coffee Women's Training Fleck Hoodie - Lilac

Women's Training Fleck Hoodie - Lilac

Current sale price is £28

(Save £42)

Regular price was £70

1.5 out of 5 stars

4 reviews

Mango Boys Hooded Padded Coat - Navy

Payday Deal

Boys Hooded Padded Coat - Navy

Current sale price is £16.75

(Save £11.25)

Regular price was £28

1 out of 5 stars

2 reviews

Skullcandy Crusher 540 Active Sensory Bass Headphones with Personal Sound

Available in pink, grey coloursAvailable in pink, grey coloursAvailable in pink, grey coloursAvailable in pink, grey coloursAvailable in pink, grey colours

Crusher 540 Active Sensory Bass Headphones with Personal Sound

Current sale price is £129

(Save £40)

Regular price was £169

1 out of 5 stars

1 review

The Very Collection Fringed Sequin Long Sleeve Mini Dress - Pink

The Very Collection

Fringed Sequin Long Sleeve Mini Dress - Pink

Current sale price is £29.25

(Save £35.75)

Regular price was £65

1 out of 5 stars

1 review

River Island Petite Pull On Palazzo Jules Jeans - Black

Petite Pull On Palazzo Jules Jeans - Black

Current sale price is £34.50

(Save £11.50)

Regular price was £46

1 out of 5 stars

1 review

V by Very Puff Sleeve Broderie Dress - Pink

Puff Sleeve Broderie Dress - Pink

Current sale price is £12

(Save £28)

Regular price was £40

1 out of 5 stars

2 reviews

The Very Collection Mohair Wool Blend Crew Neck Jumper - Ivory

The Very Collection

Mohair Wool Blend Crew Neck Jumper - Ivory

Current sale price is £19.50

(Save £25.50)

Regular price was £45

1 out of 5 stars

2 reviews

AX Paris Faux Suede Belted Shirt Dress - Brown

Faux Suede Belted Shirt Dress - Brown

Current sale price is £45

(Save £15)

Regular price was £60

1 out of 5 stars

1 review

The Very Collection Chevry 3 + 3 Drawer Chest - Oak

The Very Collection

Chevry 3 + 3 Drawer Chest - Oak

Current sale price is £199

(Save £30)

Regular price was £229

1.5 out of 5 stars

2 reviews

Nike Younger Boys Basic Crew 6 Pack Socks - White/Grey

Younger Boys Basic Crew 6 Pack Socks - White/Grey

Current sale price is £9.75

(Save £4.25)

Regular price was £14

1 out of 5 stars

1 review

Armani Exchange Men's Sync Chronograph Silicone Watch Ax4172 - Grey

Armani Exchange

Men's Sync Chronograph Silicone Watch Ax4172 - Grey

Current sale price is £98.50

(Save £40.50)

Regular price was £139

1 out of 5 stars

1 review

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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 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.