Clearpay allows you to shop now and pay later, interest-free*.
With Clearpay, your purchase will be split into 4 payments, payable every 2 weeks.
*Late fees apply
Simply add goods to your basket and choose Clearpay as your payment method at checkout. First-time customers will need to create a Clearpay account (with instant approval decision) and returning customers will simply log in to make their purchase.
For online orders, the goods will be shipped to you by the retailer after checkout. You’ll pay 25% at the time of purchase.
At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card on your payment due dates.
Please Note: Clearpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.
When determining which orders to approve, we consider a number of different factors. As an example, the longer you have been a shopper using Clearpay and the more orders you have successfully repaid, the more likely you will be able to spend more.
Things to consider
- Are there sufficient funds on your card? Generally we look to see the first instalment amount available to spend.
- The length of time you have been using Clearpay
- The amount you have to repay
- The value of the order you are trying to place
- The number of orders you currently have 'open' with us
While we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Clearpay responsibly offer a completely free service to shoppers.
Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at clearpay.co.uk/terms
For more information https://www.clearpay.co.uk/en-GB/how-it-works