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Free home delivery on orders £75+

Free returns

Shop the brands you love

Pay later with Very Pay

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Tommy Jeans Leopard Varsity T-shirt - Black

Bank Holiday Deal

Leopard Varsity T-shirt - Black

Current sale price is £32

Regular price was £40

(Save £8)

Bank Holiday Deal

Tjw Logo Summer Sandal - Black

Current sale price is £9

Regular price was £30

(Save £21)

Tommy Jeans Mini Badge Vest Top - Black

Mini Badge Vest Top - Black

Current sale price is £16

Regular price was £20

(Save £4)

3 out of 5 stars

1 review

Refurbished Samsung S23 Ultra 5G - 256GB, Mobile - Black (Pristine Condition)

Bank Holiday Deal

Samsung S23 Ultra 5G - 256GB, Mobile - Black (Pristine Condition)

Current sale price is £499

Regular price was £529

(Save £30)

4.5 out of 5 stars

1.4k reviews

Refurbished Samsung S22 5G - 128GB, Mobile - Black (Pristine Condition)

Bank Holiday Deal

Samsung S22 5G - 128GB, Mobile - Black (Pristine Condition)

Current sale price is £239

Regular price was £269

(Save £30)

3.8 out of 5 stars

790 reviews

Refurbished Apple iPhone 12 - 64GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 12 - 64GB, Black (Pristine Condition)

Current sale price is £209

Regular price was £239

(Save £30)

4.7 out of 5 stars

6 reviews

Refurbished Apple iPhone 15 Pro Max - 256GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 15 Pro Max - 256GB, Black (Pristine Condition)

Current sale price is £649

Regular price was £679

3.2 out of 5 stars

10 reviews

Refurbished Samsung S22 Ultra 5G - 128GB, Mobile - Black (Pristine Condition)

Bank Holiday Deal

Samsung S22 Ultra 5G - 128GB, Mobile - Black (Pristine Condition)

Current sale price is £369

Regular price was £399

(Save £30)

5 out of 5 stars

1 review

Refurbished Apple iPhone 15 Pro - 256GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 15 Pro - 256GB, Black (Pristine Condition)

Current sale price is £619

Regular price was £649

(Save £30)

4 out of 5 stars

6 reviews

Refurbished Apple iPhone 13 Pro - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 13 Pro - 128GB, Black (Pristine Condition)

Current sale price is £369

Regular price was £399

(Save £30)

5 out of 5 stars

1 review

Tommy Jeans Rib Poplin Tank Dress - Black

Bank Holiday Deal

Rib Poplin Tank Dress - Black

Current sale price is £64

Regular price was £80

(Save £16)

Katie Loxton Lottie Large Crossbody - Black

Lottie Large Crossbody - Black

£50

Refurbished Apple iPhone 13 - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 13 - 128GB, Black (Pristine Condition)

Current sale price is £309

Regular price was £339

(Save £30)

4.2 out of 5 stars

11 reviews

Refurbished Apple iPhone 14 - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 14 - 128GB, Black (Pristine Condition)

Current sale price is £379

Regular price was £409

(Save £30)

4 out of 5 stars

7 reviews

Refurbished Samsung S23 5G - 128GB Mobile - Black (Pristine Condition)

Bank Holiday Deal

Samsung S23 5G - 128GB Mobile - Black (Pristine Condition)

Current sale price is £369

Regular price was £399

(Save £30)

3.5 out of 5 stars

2 reviews

Tommy Jeans Regular Signature Joggers - Black

Regular Signature Joggers - Black

£55

Bank Holiday Deal

Long Sleeve Badge Logo T-Shirt - Black

Current sale price is £28

Regular price was £35

(Save £7)

Refurbished Apple iPhone 15 - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 15 - 128GB, Black (Pristine Condition)

Current sale price is £469

Regular price was £519

(Save £50)

3.9 out of 5 stars

7 reviews

Refurbished Apple iPhone 11 - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 11 - 128GB, Black (Pristine Condition)

Current sale price is £199

Regular price was £229

(Save £30)

5 out of 5 stars

5 reviews

Katie Loxton Tara Twist Lock Backpack - Black

Tara Twist Lock Backpack - Black

£80

Tommy Jeans Sophie Low Rise Straight Jeans - Black

Sophie Low Rise Straight Jeans - Black

£65

Refurbished Apple iPhone 12 Pro Max - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 12 Pro Max - 128GB, Black (Pristine Condition)

Current sale price is £339

Regular price was £369

(Save £30)

5 out of 5 stars

1 review

Katie Loxton Miley Small Shoulder Bag - Black Eel

Miley Small Shoulder Bag - Black Eel

£33

Refurbished Apple iPhone 12 Pro - 128GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone 12 Pro - 128GB, Black (Pristine Condition)

Current sale price is £299

Regular price was £329

(Save £30)

3 out of 5 stars

1 review

Katie Loxton Nova Hand Woven Top Handle Bag - Black

Nova Hand Woven Top Handle Bag - Black

£60

Tommy Jeans Regular Fleece Quarter Zip - Black

Regular Fleece Quarter Zip - Black

£70

5 out of 5 stars

1 review

Refurbished Apple iPhone SE 2022 - 64GB, Black (Pristine Condition)

Bank Holiday Deal

Apple iPhone SE 2022 - 64GB, Black (Pristine Condition)

Current sale price is £159

Regular price was £179

(Save £20)

4.2 out of 5 stars

5 reviews

Bank Holiday Deal

Logo T-shirt - Black

Current sale price is £25

Regular price was £35

(Save £10)

3 out of 5 stars

2 reviews

Katie Loxton Hattie Shoulder Bag - Black

Hattie Shoulder Bag - Black

£55

FP Movement Movement Hot Shot All-in-One - Black

Movement Hot Shot All-in-One - Black

£70

5 out of 5 stars

5 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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© 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

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.