Clearpay FAQ's
What is Clearpay?
Clearpay allows you to spread the cost of your purchase over
4 interest-free instalments, paid every 2 weeks. You'll make the first payment
when you place your order and the remaining three payments will be taken
automatically.
How does Clearpay work?
Simply shop as usual, spend £45 or more and select Clearpay at checkout. Your
purchase will be split into 4 equal instalments, due every 2 weeks over a total
period of 6 weeks.
Is there a minimum spend to use Clearpay?
The minimum spend is £45 and is UK only.
Is Clearpay interest-free?
Yes. Clearpay does not charge interest on Pay in 4 purchases
when payments are made on time.
Are there any fees for using Clearpay?
There are no fees to use Clearpay if you make your payments
on time. Late fees may apply if you miss a payment.
What happens if I miss a payment?
If a scheduled payment is missed, Clearpay may charge a late
fee. An initial £6 fee may apply, with a further £6 fee if the payment remains
unpaid after 7 days. Late fees are capped in accordance with Clearpay's terms.
Who can use Clearpay?
To use Clearpay, you must:
- Be at least 18 years old
- Be a permanent UK resident (excluding the Channel Islands)
- Have a valid UK payment card
- Meet Clearpay's eligibility requirements at checkout
Will using Clearpay affect my credit score?
Clearpay performs eligibility assessments when you apply.
For the most up-to-date information on credit reporting and eligibility checks,
please refer to Clearpay's terms and conditions.
Can I use Clearpay for all products?
Clearpay is available on eligible products and orders only.
Availability will be shown during checkout.
What happens if I return my order?
If you return items in accordance with our returns policy,
any refund due will be processed by us and your Clearpay payment schedule will
be adjusted accordingly.
How do I manage my Clearpay payments?
You can view your payment schedule, make payments early, and
manage your account through the Clearpay app or your Clearpay account.
Is my order shipped before I finish paying?
Yes. Once your order is confirmed, we'll process and
dispatch it as normal. You don't need to wait until all instalments have been
paid.
Why was my Clearpay payment declined?
Clearpay independently assesses each transaction and
approval is not guaranteed. Factors such as your payment history, outstanding
orders, and account information may affect approval.
Clearpay Legal Disclaimer
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 (excluding
the Channel Islands). T&Cs, eligibility criteria and late fees apply.
Clearpay is credit that is not regulated by the Financial Conduct Authority. Clearpay/terms