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Pay later with Very Pay

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Michelle Keegan Sheer Hem Polka Dot Maxi Dress - Lemon

Michelle Keegan

Sheer Hem Polka Dot Maxi Dress - Lemon

Current sale price is £39.20

(Save £30.80)

Regular price was £70

5 out of 5 stars

5 reviews

The Very Collection Self Belt Polka Jacket - Black & White

The Very Collection

Self Belt Polka Jacket - Black & White

£40

5 out of 5 stars

1 review

The Very Collection Boucle Waistcoat - Red

The Very Collection

Boucle Waistcoat - Red

£35

5 out of 5 stars

2 reviews

The Very Collection Linen Blend Scoop Waistcoat - Natural

The Very Collection

Linen Blend Scoop Waistcoat - Natural

Current sale price is £26.25

(Save £8.75)

Regular price was £35

5 out of 5 stars

1 review

The Very Collection Boys 4-Piece Waistcoat, Shirt Shorts And Bow Set - Grey

The Very Collection

Boys 4-Piece Waistcoat, Shirt Shorts And Bow Set - Grey

From £36

5 out of 5 stars

1 review

The Very Collection Curve Gold Trim Belted Sleeveless Midi Dress - Black

The Very Collection

Curve Gold Trim Belted Sleeveless Midi Dress - Black

Current sale price is £17.60

(Save £22.40)

Regular price was £40

5 out of 5 stars

1 review

AX Paris Off The Shoulder Draped Top Midi Dress - Hot Pink

Off The Shoulder Draped Top Midi Dress - Hot Pink

Current sale price is £36.50

(Save £12.50)

Regular price was £49

5 out of 5 stars

1 review

Michelle Keegan Asymmetric Linen Blend Halter Co-Ord Waistcoat - Red

Michelle Keegan

Asymmetric Linen Blend Halter Co-Ord Waistcoat - Red

£40

5 out of 5 stars

2 reviews

Clarks Desert Bt Evo Boot - Black

Desert Bt Evo Boot - Black

Current sale price is £69.50

(Save £50.50)

Regular price was £120

5 out of 5 stars

4 reviews

Yours Curve Floral Side Twist Dress - Brown

Curve Floral Side Twist Dress - Brown

£57

5 out of 5 stars

1 review

The Very Collection Curve Knitted Peplum Waistcoat

The Very Collection

Curve Knitted Peplum Waistcoat

Current sale price is £13.40

(Save £14.60)

Regular price was £28

5 out of 5 stars

1 review

The Very Collection Double Breasted Linen Blazer - Brown

The Very Collection

Double Breasted Linen Blazer - Brown

Current sale price is £24.20

(Save £30.80)

Regular price was £55

5 out of 5 stars

2 reviews

Pretty Lavish Fiore Tie Ruffle Maxi Dress - Seaspray/Brown Polka-Dot Print

Fiore Tie Ruffle Maxi Dress - Seaspray/Brown Polka-Dot Print

Current sale price is £78

(Save £14)

Regular price was £92

5 out of 5 stars

1 review

The Very Collection Checked Suit Trousers - Stone

The Very Collection

Checked Suit Trousers - Stone

£38

5 out of 5 stars

1 review

The Very Collection Shower Resistant Harrington Jacket - Black

The Very Collection

Shower Resistant Harrington Jacket - Black

Current sale price is £30

(Save £10)

Regular price was £40

5 out of 5 stars

2 reviews

Kickers Youth Tovni Leather Lace-up Shoe - Black

Youth Tovni Leather Lace-up Shoe - Black

£58

5 out of 5 stars

1 review

The Very Collection Vented Slim Flare Trouser - Lemon

The Very Collection

Vented Slim Flare Trouser - Lemon

Current sale price is £15

(Save £20)

Regular price was £35

5 out of 5 stars

1 review

Michelle Keegan Bermuda Short - Brown

Michelle Keegan

Bermuda Short - Brown

Current sale price is £15

(Save £15)

Regular price was £30

5 out of 5 stars

1 review

The Very Collection Pure Cotton Short Sleeve Button Down Oxford Shirt - Pink

The Very Collection

Pure Cotton Short Sleeve Button Down Oxford Shirt - Pink

£20

5 out of 5 stars

1 review

The Very Collection Curve Wrap Drape Pencil Dress

The Very Collection

Curve Wrap Drape Pencil Dress

Current sale price is £20

(Save £25)

Regular price was £45

5 out of 5 stars

1 review

The Very Collection Slim Fit Suit Trousers - Light Grey

The Very Collection

Slim Fit Suit Trousers - Light Grey

£38

5 out of 5 stars

1 review

The Very Collection Bow Detail One Shoulder Jumpsuit - White

The Very Collection

Bow Detail One Shoulder Jumpsuit - White

Current sale price is £45

(Save £15)

Regular price was £60

5 out of 5 stars

3 reviews

The Very Collection Double Breasted Linen Blazer - Lemon

The Very Collection

Double Breasted Linen Blazer - Lemon

Current sale price is £27.50

(Save £27.50)

Regular price was £55

5 out of 5 stars

2 reviews

New Look Light Green Broderie Anglaise Puff Sleeve Midi Dress

Light Green Broderie Anglaise Puff Sleeve Midi Dress

Current sale price is £41.50

(Save £28.49)

Regular price was £69.99

5 out of 5 stars

2 reviews

The Very Collection Asymmetric Waist Detail Trouser - Beige

The Very Collection

Asymmetric Waist Detail Trouser - Beige

Current sale price is £16

(Save £14)

Regular price was £30

5 out of 5 stars

3 reviews

Michelle Keegan Crochet Lace Maxi Top - White

Michelle Keegan

Crochet Lace Maxi Top - White

£65

5 out of 5 stars

1 review

The Very Collection Curve Ruched Stretch Denim Midi Dres

The Very Collection

Curve Ruched Stretch Denim Midi Dres

Current sale price is £18.25

(Save £26.75)

Regular price was £45

5 out of 5 stars

1 review

The Very Collection Checked Waistcoat - Stone

The Very Collection

Checked Waistcoat - Stone

£35

5 out of 5 stars

1 review

BadRhino Plain Suit Trousers - Black

Plain Suit Trousers - Black

£39

5 out of 5 stars

2 reviews

New Look Dark Coral Cutwork Tie Back Midi Dress

Dark Coral Cutwork Tie Back Midi Dress

Current sale price is £41.50

(Save £28.49)

Regular price was £69.99

5 out of 5 stars

3 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

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 all console games, 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.