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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

Save on Jewellery and Watches, Gold

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Results: 1 - 30 (of 53)

9ct Gold 2.5Ct Eq Total Oval And Pear Shaped Trilogy Ring

Current sale price is £638

Ladies Warwick Mesh Quartz Watch with Green Dial & Stainless Steel Mesh Bracelet

Current sale price is £125

9ct Gold 15 Point Diamond Two Row Wedding Band

Current sale price is £349

33 Point Moissanite 9 Carat White Gold Channel Set Eternity Ring

Current sale price is £424

Lady Lynsey 9ct Yellow Gold 1.08ct total eq Hidden Halo Solitaire Ring

Current sale price is £509

9ct Gold 1/2 Carat Eq Moissanite 7 Stone Eternity Ring

Current sale price is £424

Lady Lynsey 9ct Gold 2.25ct total Round Brilliant Moissanite Solitaire Ring With Stone Set Shoulders

Current sale price is £645

Ladies Lida Multifunction Light Gold IP Bracelet Watch

Current sale price is £149

18ct Gold Plated Bubble Bangle

Current sale price is £36

9ct Gold 1.05ct Total Round Brilliant Centre Vine Bridal Set

Current sale price is £999

9Ct 1Ct Rub Set Emerald Cut Wed Fit Solitaire Ring - Gold

Current sale price is £594

9Ct Gold 15Ct Eq Solitaire Ring

Current sale price is £446

Ladies Lida Multifunction Two Tone Bracelet Watch

Current sale price is £149

9Ct 1Ct Rub Set Wed Fit Solitaire Ring - Gold

Current sale price is £594

9ct White Gold 1.70ct Eq Radiant Cut Solitaire Ring With Tapered Baguette Shoulders

Current sale price is £638

9ct Gold 20 Point Diamond 5 Stone Eternity Ring

Current sale price is £419

9Ct 160Ct Total Eq Criss Cross Cushion And Round Brilliant Trilogy Ring

Current sale price is £553

Womens Mini Bryant Chronograph, Gold-Tone Stainless Steel Watch

Current sale price is £228.50

18ct Gold Lady Lynsey 2ct Total Moissanite Solitaire Ring

Current sale price is £1063

9ct Yellow Gold 1.25ct Eq Solitaire Ring

Current sale price is £509

14K Gold Sterling Silver Pave Empire Link Pendant Necklace

Current sale price is £62

9Ct Gold 090Ct Rub Set Oval Wed Fit Solitaire Ring

Current sale price is £591

9ct Gold 0.75ct total eq Moissanite Solitaire Ring

Current sale price is £424

9Ct Lady Lynsey 12Ct Total Solitaire Ring - Gold

Current sale price is £489

Sofia 9ct Gold Natural Amethyst 12x10mm Oval 0.15ct Lab Grown Diamond Ring

Current sale price is £769

18 Carat White Gold 2 Carat Moissanite Ring

Current sale price is £1104

Eliza 9ct White Gold Lab Grown Emerald Cut 0.50ct G VS Diamond Ring

Current sale price is £700

18ct Gold 1ct Diamond Eternity Ring

Current sale price is £1399

Women's Arden Watch Links Gold-Tone Stainless Steel Band Ring

Current sale price is £52

Women's Watch Ring Stainless Steel Watch ES5245

Current sale price is £109.50