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Apple iPhone 17, 256GB - Black

Trade in & get up to £560*

iPhone 17, 256GB - Black

£799

4.8 out of 5 stars

26 reviews

Apple iPhone 16e, 128GB - Black

Trade in & get up to £560*

iPhone 16e, 128GB - Black

From £499

4.8 out of 5 stars

53 reviews

Apple iPhone 17e, 256GB - Black

Trade in & get up to £560*

iPhone 17e, 256GB - Black

£599

5 out of 5 stars

6 reviews

Apple Watch Series 11 (GPS) 46mm Jet Black Aluminium Case with Black Sport Band - M/L

Trade in & get up to £340*

Watch Series 11 (GPS) 46mm Jet Black Aluminium Case with Black Sport Band - M/L

£399

4.9 out of 5 stars

16 reviews

Apple iPhone 16, 128Gb - Black

Trade in & get up to £560*

iPhone 16, 128Gb - Black

From £699

5 out of 5 stars

45 reviews

River Island Two Part Ring Buckle Flatform - Black

Bank Holiday Deal

Two Part Ring Buckle Flatform - Black

Current sale price is £30.75

(Save £8.25)

Regular price was £39

3.7 out of 5 stars

3 reviews

River Island Relaxed Straight Wander Jeans - Black

Bank Holiday Deal

Relaxed Straight Wander Jeans - Black

Current sale price is £36.25

(Save £9.75)

Regular price was £46

4.4 out of 5 stars

5 reviews

River Island Nylon Flap Over Messenger Bag - Black

Bank Holiday Deal

Nylon Flap Over Messenger Bag - Black

Current sale price is £26

(Save £8)

Regular price was £34

5 out of 5 stars

1 review

Apple iPhone Air, 256GB - Space Black

Trade in & get up to £560*

iPhone Air, 256GB - Space Black

Current sale price is £799

(Save £50)

Regular price was £849

4.8 out of 5 stars

6 reviews

Apple iPhone 15, 128Gb - Black

Trade in & get up to £560*

iPhone 15, 128Gb - Black

£599

4.7 out of 5 stars

102 reviews

River Island Core Wide Leg Trouser - Black

Bank Holiday Deal

Core Wide Leg Trouser - Black

Current sale price is £30.75

(Save £8.25)

Regular price was £39

5 out of 5 stars

3 reviews

River Island Relaxed Flare Robinson Jeans - Black

Bank Holiday Deal

Relaxed Flare Robinson Jeans - Black

Current sale price is £29.50

(Save £22.50)

Regular price was £52

3 out of 5 stars

2 reviews

River Island Mono Raffia Maryjane - Black

Mono Raffia Maryjane - Black

£34

River Island Small Metal Handle Tote Bag - Black

Bank Holiday Deal

Small Metal Handle Tote Bag - Black

Current sale price is £22

(Save £17)

Regular price was £39

River Island Wide Leg Trouser - Black

Bank Holiday Deal

Wide Leg Trouser - Black

Current sale price is £24.75

(Save £7.25)

Regular price was £32

5 out of 5 stars

1 review

River Island Black Studded Perspex Court Slingback Heels

Bank Holiday Deal

Black Studded Perspex Court Slingback Heels

Current sale price is £26

(Save £20)

Regular price was £46

River Island Sleeveless Button Detail Playsuit - Black

Sleeveless Button Detail Playsuit - Black

£46

Apple Watch Series 11 (GPS) 42mm Jet Black Aluminium Case with Black Sport Band - S/M

Trade in & get up to £340*

Watch Series 11 (GPS) 42mm Jet Black Aluminium Case with Black Sport Band - S/M

£369

4.8 out of 5 stars

11 reviews

River Island Linen Trousers - Black

Bank Holiday Deal

Linen Trousers - Black

Current sale price is £22.75

(Save £6.25)

Regular price was £29

River Island Gold Buckle Midi Dress - Black

Bank Holiday Deal

Gold Buckle Midi Dress - Black

Current sale price is £38

(Save £11)

Regular price was £49

5 out of 5 stars

1 review

Apple Watch Ultra 3 (GPS + Cellular, 2025) 49mm Black Titanium Case with Black Ocean Band

Trade in & get up to £340*

Watch Ultra 3 (GPS + Cellular, 2025) 49mm Black Titanium Case with Black Ocean Band

£729

4.8 out of 5 stars

13 reviews

PixieGirl Petite Textured Wide Leg Trouser - Black

Petite Textured Wide Leg Trouser - Black

£29

4.5 out of 5 stars

6 reviews

River Island Slingback Patent Court - Black

Bank Holiday Deal

Slingback Patent Court - Black

Current sale price is £30.75

(Save £8.25)

Regular price was £39

River Island Mid Rise Sculpt Molly Watford Jeans - Black

Bank Holiday Deal

Mid Rise Sculpt Molly Watford Jeans - Black

Current sale price is £34.25

(Save £14.75)

Regular price was £49

5 out of 5 stars

2 reviews

River Island Shaping Trim Belted Swimsuit - Black

Bank Holiday Deal

Shaping Trim Belted Swimsuit - Black

Current sale price is £33.50

(Save £8.50)

Regular price was £42

River Island Structured Polka Button Cardigan - Black

Bank Holiday Deal

Structured Polka Button Cardigan - Black

Current sale price is £29

(Save £15)

Regular price was £44

River Island Short Sleeve Spliced Lace T-Shirt - Black

Short Sleeve Spliced Lace T-Shirt - Black

£29

River Island Scallop Edge Maxi Dress - Black

Scallop Edge Maxi Dress - Black

£56

River Island Long Sleeve Ribbed Fit And Flare Dress - Black

Long Sleeve Ribbed Fit And Flare Dress - Black

£36

River Island Stripe Texture Shorts - Black

Stripe Texture Shorts - Black

£29

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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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© The Very Group Limited. All Rights Reserved.

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.

<COPY/PASTE WELCOME>

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.