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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

Up to 30% off your first credit order!

What you need to know
Apply for Very Pay and enter WELCOME at the checkout. 30% off Clothing & Footwear and 20% off all other departments.

Representative 44.9% APR variable

Excludes iPad Air M4, Samsung S26 range, PlayStation 5 consoles, 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.

Take 3

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.
Representative 44.9% APR variable

Take 3

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.

Up to 40% off

Sale, Silver

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Results: 91 - 120 (of 1012)

Silver Diamanté Embellished Round Top Handle Bag

Current sale price is £14

Chrome Bead Acrylic Pendant Shade

Current sale price is £10

Textured Tearose Short Station Necklace - Gold

Current sale price is £120

Sterling Silver Plated Heart Bezel Necklace - Gift Pouch

Current sale price is £20

Silver Plated Twist Hoop Earrings

Current sale price is £16

Rhodium Plated Crystal and Freshweater Pearl Y-Drop Necklace

Current sale price is £43

Sterling Silver Thick 18mm Creole Hoop Earrings

Current sale price is £28.80

Egyptian Embrace Towels

Current sale price is From £5

Sterling Silver Plated Cubic Zirconia Pear Engagement Ring - Gift Pouch

Current sale price is £20

Foil Coated Stretch Straight Jeans - Silver

Current sale price is £17.50

Older Girls Metallic Bow Wedge Sandals - Silver

Current sale price is £19.50

7mm Titanium Ring

Current sale price is £14

Galaxy Watch8 (LTE), with Galaxy AI

Current sale price is From £319

MacBook Pro (M5 Max, 2026) 14 inch with 18-core CPU and 32-core GPU, 36GB Unified Memory, 2TB SSD

Current sale price is From £3239.10

HDD6GDC2WX 60cm Dual Fuel Double Cooker with Glass Lid - Stainless Steel

Current sale price is £529

G5 65" OLED evo 4K HDR Smart AI TV 2025 (Standing) - OLED65G56LS.AEK

Current sale price is £2099

MacBook Air (M5, 2026) 15 inch with 10-core CPU and 10-core GPU, 16GB Unified Memory, 512GB SSD - Starlight

Current sale price is £1169.10

Non-Iron 180 Thread Count Flat Sheet

Current sale price is From £9

Vivobook Go 15 Laptop - 15.6in FHD, AMD Ryzen 3, 8GB RAM, 128GB SSD, with Norton 360 Deluxe Antivirus - Silver

Current sale price is From £269

iPad Air (M4, 2026) 13-inch, Wi-Fi, 128GB - Blue

Current sale price is £719.10

Aspire 16 AI - Copilot+ PC - AMD Ryzen AI 7 - 16GB RAM - 1TB - 16in

Current sale price is From £729

Watch Ultra 3 (GPS + Cellular, 2025) 49mm Black Titanium Case with Black Alpine Loop - Medium

Current sale price is £674.10

Cressida Beaded Sandal - Silver

Current sale price is £39

Watch Ultra 3 (GPS + Cellular, 2025) 49mm Natural Titanium Case with Natural Titanium Milanese Loop - Medium

Current sale price is £764.10

MacBook Air (M5, 2026) 15 inch with 10-core CPU and 10-core GPU, 16GB Unified Memory, 1TB SSD - Midnight

Current sale price is £1349.10

iPad Air (M4, 2026) 11-inch, Wi-Fi, 256GB - Blue

Current sale price is £629.10

3L Deep Fat Fryer SDA1550GE

Current sale price is £38

Silver Crystal Butterfly Trio Set - Gift Box

Current sale price is £26

HONCHQ6T200ESK Total No Frost Chest Freezer - Dark Inox - E Rated

Current sale price is £299

Vivobook 16 - 16in - AMD Ryzen 7 - 16GB RAM - 1TB - Silver

Current sale price is From £599