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undefined AirPods 4

More time to pay with Very Pay

AirPods 4

£129

4.5 out of 5 stars

75 reviews

undefined iPhone 16, 128Gb - Black

Trade in & get up to £560*

iPhone 16, 128Gb - Black

Current sale price is From £699

(Save up to £100)

Regular price was From £799

5 out of 5 stars

30 reviews

undefined Galaxy S24 FE 5G - Galaxy AI

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in yellow, graphite, mint, blue coloursAvailable in yellow, graphite, mint, blue coloursAvailable in yellow, graphite, mint, blue coloursAvailable in yellow, graphite, mint, blue coloursAvailable in yellow, graphite, mint, blue colours

Galaxy S24 FE 5G - Galaxy AI

Current sale price is From £549

(Save up to £100)

Regular price was From £649

4.6 out of 5 stars

1173 reviews

undefined 3 512GB - Ultimate mixed reality experiences - All-in-One headset with controllers, 4K resolution + Infinite display

3 512GB - Ultimate mixed reality experiences - All-in-One headset with controllers, 4K resolution + Infinite display

Current sale price is From £459

Regular price was From £469

4.6 out of 5 stars

130 reviews

undefined iPad (A16, 2025), 11-inch, Wi-Fi

Trade in and get up to £580*

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in silver, pink, blue, yellow coloursAvailable in silver, pink, blue, yellow coloursAvailable in silver, pink, blue, yellow coloursAvailable in silver, pink, blue, yellow coloursAvailable in silver, pink, blue, yellow colours

iPad (A16, 2025), 11-inch, Wi-Fi

From £329

4.8 out of 5 stars

28 reviews

undefined AirPods Pro (2nd Gen, 2023) with MagSafe Case (USB-C)

More time to pay with Very Pay

AirPods Pro (2nd Gen, 2023) with MagSafe Case (USB-C)

£229

4.6 out of 5 stars

278 reviews

undefined Watch SE (GPS, 2024) Starlight Aluminium Case with Starlight Sport Band

Trade in & get up to £340*

Watch SE (GPS, 2024) Starlight Aluminium Case with Starlight Sport Band

From £219

4.7 out of 5 stars

33 reviews

undefined Prent 3 + 2 Seater Fabric Sofa Set (Buy & SAVE!) - Made in the UK

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in natural, grey, silver, teal coloursAvailable in natural, grey, silver, teal coloursAvailable in natural, grey, silver, teal coloursAvailable in natural, grey, silver, teal coloursAvailable in natural, grey, silver, teal colours

Prent 3 + 2 Seater Fabric Sofa Set (Buy & SAVE!) - Made in the UK

£1599

4 out of 5 stars

2 reviews

undefined Leather Ox Trainers - White

Leather Ox Trainers - White

From £55

4.4 out of 5 stars

245 reviews

undefined Galaxy S25 Ultra 5G, 256GB with Galaxy AI

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in titanium black, titanium silverblue, titanium whitesilver, titanium grey coloursAvailable in titanium black, titanium silverblue, titanium whitesilver, titanium grey coloursAvailable in titanium black, titanium silverblue, titanium whitesilver, titanium grey coloursAvailable in titanium black, titanium silverblue, titanium whitesilver, titanium grey coloursAvailable in titanium black, titanium silverblue, titanium whitesilver, titanium grey colours

Galaxy S25 Ultra 5G, 256GB with Galaxy AI

Current sale price is From £1099

(Save up to £150)

Regular price was From £1249

4.9 out of 5 stars

22291 reviews

undefined iPhone 16 Pro Max, 256Gb - Black Titanium

Trade in & get up to £560*

iPhone 16 Pro Max, 256Gb - Black Titanium

Current sale price is £1099

(Save £100)

Regular price was £1199

4.8 out of 5 stars

41 reviews

undefined 3S 128GB - Dive into mixed reality - Unreal experiences - All-in-One headset with controllers

3S 128GB - Dive into mixed reality - Unreal experiences - All-in-One headset with controllers

Current sale price is From £279

Regular price was From £289

4.3 out of 5 stars

92 reviews

undefined 55A6NTUK, 55-inch, 4K HDR, Smart TV

55A6NTUK, 55-inch, 4K HDR, Smart TV

Current sale price is £279

(Save £300)

Regular price was £579

4.5 out of 5 stars

56 reviews

undefined Watch SE (GPS, 2024) Midnight Aluminium Case with Midnight Sport Band

Trade in & get up to £340*

Watch SE (GPS, 2024) Midnight Aluminium Case with Midnight Sport Band

From £219

4.5 out of 5 stars

28 reviews

undefined iPhone 16 Pro Max, 256Gb - Desert Titanium

Trade in & get up to £560*

iPhone 16 Pro Max, 256Gb - Desert Titanium

Current sale price is £1099

(Save £100)

Regular price was £1199

4.7 out of 5 stars

35 reviews

undefined Series 13 Pink Smart Watch

Series 13 Pink Smart Watch

Current sale price is £23

(Save £41.95)

Regular price was £64.95

3.4 out of 5 stars

14 reviews

undefined iPhone 16 Pro, 128Gb - Black Titanium

Trade in & get up to £560*

iPhone 16 Pro, 128Gb - Black Titanium

Current sale price is £899

(Save £100)

Regular price was £999

4.8 out of 5 stars

12 reviews

undefined Watch Series 10 (GPS), Jet Black Aluminium Case with Black Sport Band

Trade in & get up to £340*

Watch Series 10 (GPS), Jet Black Aluminium Case with Black Sport Band

From £399

4.4 out of 5 stars

23 reviews

undefined Galaxy A16 4G, 128Gb Storage

+-4 colours+0 colours+-1 colours+-3 colours+-2 colours

Available in black, grey, green coloursAvailable in black, grey, green coloursAvailable in black, grey, green coloursAvailable in black, grey, green coloursAvailable in black, grey, green colours

Galaxy A16 4G, 128Gb Storage

From £169

4 out of 5 stars

339 reviews

undefined Patio Set

Patio Set

Current sale price is £22.99

(Save £27)

Regular price was £49.99

5 out of 5 stars

16 reviews

undefined Jersey Basic Maxi Dress - Black

Jersey Basic Maxi Dress - Black

£18

4.6 out of 5 stars

7 reviews

undefined Mens Predator Pro Fold-Over Tongue Firm Ground Ground Football Boot - Black

Mens Predator Pro Fold-Over Tongue Firm Ground Ground Football Boot - Black

Current sale price is £84

(Save £56)

Regular price was £140

4.5 out of 5 stars

66 reviews

undefined Prague 5 Door Mirrored Wardrobe - FSC® Certified

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in grey, white ash, black ash, new oak coloursAvailable in grey, white ash, black ash, new oak coloursAvailable in grey, white ash, black ash, new oak coloursAvailable in grey, white ash, black ash, new oak coloursAvailable in grey, white ash, black ash, new oak colours

Prague 5 Door Mirrored Wardrobe - FSC® Certified

Current sale price is £399

(Save £50)

Regular price was £449

3.1 out of 5 stars

10 reviews

undefined Disc Console & Grand Theft Auto V

Trade in and get up to £210*

Disc Console & Grand Theft Auto V

Current sale price is £456

(Save £33)

Regular price was £489

4.7 out of 5 stars

58 reviews

undefined Luxury 400 Thread Count Soft Touch Cotton Sateen 32 cm Extra Deep Fitted Sheet

+-3 colours+1 colours+0 colours+-2 colours+-1 colours

Available in charcoal, white, natural, silver grey coloursAvailable in charcoal, white, natural, silver grey coloursAvailable in charcoal, white, natural, silver grey coloursAvailable in charcoal, white, natural, silver grey coloursAvailable in charcoal, white, natural, silver grey colours

Luxury 400 Thread Count Soft Touch Cotton Sateen 32 cm Extra Deep Fitted Sheet

Current sale price is From £16

(Save up to £14)

Regular price was From £29

4.3 out of 5 stars

31 reviews

undefined Mens Lifestyle Phantom 4 Trainers - Black

Mens Lifestyle Phantom 4 Trainers - Black

Current sale price is £60

(Save £60)

Regular price was £120

4.8 out of 5 stars

154 reviews

undefined Womens Campus 00S Trainers - White

adidas Originals

Womens Campus 00S Trainers - White

Current sale price is £59

(Save £31)

Regular price was £90

5 out of 5 stars

7 reviews

undefined V Neck Sequin Detail Halter Maxi Dress - White

V Neck Sequin Detail Halter Maxi Dress - White

Current sale price is £20.25

(Save £24.75)

Regular price was £45

3 out of 5 stars

1 review

undefined Women's Impala Trainers - Pink

Women's Impala Trainers - Pink

Current sale price is £43.75

(Save £81.25)

Regular price was £125

5 out of 5 stars

1 review

undefined Odessa Side Lift Up Ottoman Storage Bed with Sleepycastle Mattress Options (Buy & SAVE!)

+-4 colours+0 colours+-1 colours+-3 colours+-2 colours

Available in black, grey, white coloursAvailable in black, grey, white coloursAvailable in black, grey, white coloursAvailable in black, grey, white coloursAvailable in black, grey, white colours

Odessa Side Lift Up Ottoman Storage Bed with Sleepycastle Mattress Options (Buy & SAVE!)

From £199

3.9 out of 5 stars

33 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.