Clearpay | Buy Now, Pay Later

Pay in 4,

interest-free.

Clearpay it.

Download the Clearpay app to buy now and pay in four interest‑free instalments over 6 weeks.

Get the app

Clearpay credit subject to status. Use responsibly as late fees up to £24 per order apply, which may impact your future access to credit. T&Cs apply.

Why use Clearpay?

Sign up in the app.

Have your email, phone number, address, DOB and debit/credit card handy. We'll run a quick check to make sure Clearpay is right for you.

Smart limits that move with you.

Your spend limit is set by Clearpay and may increase over time with consistent on time payments.

Accepted online and in-store.

Pay in 4 for fashion, travel, health and beauty, home and garden, and so much more by selecting Clearpay at checkout.

No fees when you pay on time.

If you miss a payment, late fees are capped at £24 or 25% of your order, whichever's lower. Missing payments may also affect your ability to access credit in the future.

Clearpay now includes additional customer protections under new UK Buy Now, Pay Later regulations.

Learn more about what this means for you.

The app is where it's at.

98% of Brits rate the Clearpay app 5 stars*.

*Clearpay app is rated 4.9 stars on the Apple App Store (UK).

Get the app

Here’s why you should download the app today:

Unlock even more brands.

Easily find all the best deals from top brands.

Shop in-app and in-person.

Shop directly in the app, or set up the digital Clearpay Card in the app to pay in-store.

Manage your account.

Check your spending limit, manage your orders, track your payment dates or pay early.

Build your wishlists, come back later.

Save your favourite products for when you’re ready to shop.

Still got questions?

How does Clearpay work?

When you use Clearpay, you pay for your purchases in 4 instalments over 6 weeks, without incurring any interest. You can shop with your favourite stores found in the Shop Directory and choose Clearpay as your payment method at checkout.

For online orders, the goods will be shipped to you by the merchant after checkout - you can find more information about shipping timeframes on the merchants website or by contacting them directly.

For in-store shopping, download the Clearpay mobile app, and follow the in-app instructions to set up the Clearpay Card and add it to your digital wallet. When you’re ready to pay, open the In-Store tab in the Clearpay app, select Authorise and pay in-store, and tap to pay with Apple Pay, Google Pay or Samsung Pay. You’ll pay approx. 25% at the time of purchase, and take your purchase home that day.

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.

How do I set up a Clearpay account?

Setting up a Clearpay account is simple and only takes a few minutes. To get the best experience, download the Clearpay app or use the Clearpay website sign-up page to apply. You can also apply during the checkout process at participating online retailers, where you’ll be redirected to the Clearpay sign-up page.

To be eligible to use Clearpay, you must:

Be at least 18 years old
Have a valid and verifiable email address and phone number
Use a UK bank payment card - Visa or Mastercard Debit or Credit Card (we do not accept prepaid cards)
Be capable of entering into a legally binding contract
Have a verifiable and valid ID
Agree to our Privacy Policy and General Terms
Be a UK resident (England / Wales / Scotland & Northern Ireland). No other UK territories, British Forces Post Offices, Isle of Mann, Isle of Jersey or Isle of Guernsey addresses are allowed
Have your email, phone number, address, DOB and debit/credit card handy. We'll run a quick check to make sure Clearpay is right for you

Have your email, phone number, address, DOB and debit/credit card handy. We'll run a quick check to make sure Clearpay is right for you.

If you're having trouble signing up, reach out to our customer service team here.

Once approved, when you want to make a purchase, just choose Clearpay as your payment method at checkout, where available.

What happens if my application to use Clearpay is not successful?

We review several factors when assessing your Clearpay application, including the information contained in your credit report, which is provided by TransUnion UK, a trusted credit reference agency.

If we can’t approve your application, we'll let you know. If the reason is because of the information contained in your credit report we advise you to contact TransUnion by following the "Contact Us" directions on their website.

Will using Clearpay impact my credit score?

Using Clearpay responsibly and making payments on time won't impact your credit score. However, missed payments may be reported to Credit Reference Agencies (CRAs), which could affect your ability to access credit in the future.

A credit score is a number created by a credit reference agency, based on the information in your credit report. It helps other providers assess risk when offering credit or services.

We carry out a soft credit check which is visible to other lenders and has no impact to your credit score. You can learn more about when we perform soft credit checks here.

We don't determine how credit scores are calculated - that's up to the credit reference agencies. If you have questions about your score or how checks affect it, we recommend contacting the credit reference agency directly.

Understanding your credit report can help you make more informed financial decisions. You can request a free copy of your credit report and correct any mistakes directly with the credit reference agency. To get started, visit the Contact us page on TransUnion's website.

Can I use Clearpay in physical stores, or just online?

Clearpay is offered online and in-store by many leading retailers across the UK. For a full list of retailers, visit our Shop Directory or In-store tab in the app.

We are constantly adding new retailers to the list so keep checking in and and make sure to have notifications turned on to hear about the latest retailers that launch with us!

If you would like to see Clearpay become available at your favourite retailer, please send them an email to let them know how much you love using Clearpay!

Are there any fees for using Clearpay?

We don't charge you interest or fees to pay in 4. The only fees applied to your account are late fees if a payment is missed.

If payment is not made on the due date outlined on your payment schedule, a late fee of £6 is applied. If payment still hasn't been made within 7 days, an additional £6 will be added.

Good news, our late fees are capped at £24 or 25% of the order value, whichever is less!

Can I request a spend limit increase?

We cannot manually increase your spend limit. Whether you’re a new customer or have been with us for a while, we’ll regularly assess the spend limit that you currently have remains appropriate for you. Our system reviews accounts regularly to assess eligibility for limit increases, and a variety of factors are taken into consideration, including your on-time payment history, how long you’ve been with us, your affordability information and the information contained in your credit report.

There are circumstances that may lower your spending limit, such as missing a payment, lack of spending activity, requesting a spend limit decrease, your affordability information and the information contained in your credit report. Conversely, consistently paying on time helps improve your chances of being assessed for a higher spend limit.

Good to know: You can manage upcoming payments in the Clearpay app, and in some cases, reschedule payments if needed - learn more about this here.

Is Clearpay really interest-free?

It's always interest-free when you pay in 4 instalments.

How does Clearpay make money?

We earn a small fee from the stores you shop with on each purchase - that's our main source of revenue, not late fees.

When you pay on time, everyone wins. You avoid any fees, the store gets paid right away, and we can keep the service running smoothly.

What happens if I miss a payment?

If you miss a payment, a late free of £6 is applied and we will immediately pause your account and you won’t be able to buy anything else with us until your payments are up to date. If payment still hasn't been made within 7 days, an additional £6 will be added. Our late fees are capped at £24 or 25% of the order value, whichever is less.

You may notice that your spend limit has decreased too. This is because Clearpay takes into consideration a range of different factors when determining your spending limit. Your repayment history is a big determining factor.

It is important to note that payments that are overdue for an extended period of time may result in Clearpay declining the use of our services or restricting your ability to use your account. If you would like to learn more about this, you can view our terms and conditions here.

We have a commitment to responsible lending, and all steps that we take are designed to ensure that you are spending responsibly whilst using our service.

Does Clearpay perform credit checks?

For new customers, we’ll perform a soft credit check to help us assess your application for a Clearpay account. These checks help guide your starting spend limit.

A soft credit check, also known as a soft enquiry, is not visible to other lenders and will not impact your credit score. For more information, see here.

We’ll carry out regular assessments for all customers of their affordability. As part of these assessments:

We may run soft credit checks, which do not impact your credit score
These checks are only visible to you and not to other lenders

We may occasionally ask you to confirm information such as your income and expenses. For existing customers we may use information from your credit report to review your spend limit, or ask you to provide additional information in the app. Additionally, we may decline a new Clearpay Plan request, restrict your account, or close your account in certain circumstances.

For example, this may happen if:

information from affordability or creditworthiness assessments indicates we should not provide further credit;
we identify adverse information from your credit report;
you repeatedly breach your Clearpay Plan Terms and Conditions; or
you fail to make repayments in accordance with your Clearpay Plan.

Where appropriate, we'll let you know if we take action on your account and what this means for your ability to use Clearpay.

Is Clearpay secure and safe to use?

At Clearpay our number one priority is the protection of your data.

We have achieved the highest level of payment data security in the world, set by the PCI Global Security Standards Council. This is known in the industry as Data Security Standard Level 1 and applies to all the major payment companies around the world. Achieving this standard includes accreditation to the highest level of:

Secure Networks and Systems
Data Protection
Strong Access Control
Regular Monitoring and Testing

Our entire business depends on our community trusting us to help them plan, buy and pay – including managing and protecting their data.

This is why at Clearpay, protecting your data is our number one priority.

How is Clearpay different from credit cards?

Clearpay offers a distinct alternative to traditional credit cards by providing an interest-free payment plan that divides the cost of purchases into four instalments, over 6 weeks.

We're dedicated to enabling you to get access to what you need while spending responsibly. Clearpay is free when you pay on time. Unlike most credit cards, there are no hidden or annual fees, and we don’t charge interest.

Clearpay is designed to support responsible spending by setting an initial spend limit based on the information we have when you apply. This includes the soft credit check we run— which isn’t visible to other lenders and won’t affect your credit score—along with several other factors. Your spend limit may change over time as you build a record of on-time payments. Credit cards, on the other hand, may offer higher initial credit limits, which can potentially lead to overspending.

If you miss a payment with us, we may charge a late fee, but these fees are capped and do not compound over time. They won’t exceed 25% of the original order value or £24, whichever is less. We’ll also pause your account so that you won’t be able to buy anything else with us until your payments are up to date. In contrast, credit card companies may charge late payment fees that can compound, and often charge interest on unpaid balances.

For more information head to our Get the Facts page.

How can I contact Clearpay?

Most questions can be answered quickly by browsing our Help articles, so we recommend starting there for the fastest solution. If you still need help, you can receive 24*7 Digital Support by messaging us us through the Help section of your Clearpay app. If you don't have the app, you can complete a contact form here.

If you prefer phone support, you can request a callback from our team. Simply message us through the Help section of your Clearpay app and let us know you’d like to speak with someone over the phone. Your request will be sent to our dedicated phone support team, who will call you back during our phone support hours.

How does Clearpay work?

For online orders, the goods will be shipped to you by the merchant after checkout - you can find more information about shipping timeframes on the merchants website or by contacting them directly.

Please note: Clearpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.

How do I set up a Clearpay account?

To be eligible to use Clearpay, you must:

Be at least 18 years old
Have a valid and verifiable email address and phone number
Use a UK bank payment card - Visa or Mastercard Debit or Credit Card (we do not accept prepaid cards)
Be capable of entering into a legally binding contract
Have a verifiable and valid ID
Agree to our Privacy Policy and General Terms
Be a UK resident (England / Wales / Scotland & Northern Ireland). No other UK territories, British Forces Post Offices, Isle of Mann, Isle of Jersey or Isle of Guernsey addresses are allowed
Have your email, phone number, address, DOB and debit/credit card handy. We'll run a quick check to make sure Clearpay is right for you

Have your email, phone number, address, DOB and debit/credit card handy. We'll run a quick check to make sure Clearpay is right for you.

If you're having trouble signing up, reach out to our customer service team here.

Once approved, when you want to make a purchase, just choose Clearpay as your payment method at checkout, where available.

What happens if my application to use Clearpay is not successful?

We review several factors when assessing your Clearpay application, including the information contained in your credit report, which is provided by TransUnion UK, a trusted credit reference agency.

Will using Clearpay impact my credit score?

A credit score is a number created by a credit reference agency, based on the information in your credit report. It helps other providers assess risk when offering credit or services.

We carry out a soft credit check which is visible to other lenders and has no impact to your credit score. You can learn more about when we perform soft credit checks here.

Can I use Clearpay in physical stores, or just online?

Clearpay is offered online and in-store by many leading retailers across the UK. For a full list of retailers, visit our Shop Directory or In-store tab in the app.

We are constantly adding new retailers to the list so keep checking in and and make sure to have notifications turned on to hear about the latest retailers that launch with us!

If you would like to see Clearpay become available at your favourite retailer, please send them an email to let them know how much you love using Clearpay!

Are there any fees for using Clearpay?

We don't charge you interest or fees to pay in 4. The only fees applied to your account are late fees if a payment is missed.

If payment is not made on the due date outlined on your payment schedule, a late fee of £6 is applied. If payment still hasn't been made within 7 days, an additional £6 will be added.

Good news, our late fees are capped at £24 or 25% of the order value, whichever is less!

How much are late fees?

As set out in our Terms of Service, if you do not pay for an instalment on or before its due date, an initial £6 late fee will apply. A further £6 late fee will apply if a payment is still unpaid 7 days after the due date. Late fees are capped at £24 or 25% of the order value, whichever is less.

You can make payments by logging in to your account or by following the link in one of the notification messages you've received from us.

We want to get you back on track as soon as possible and we certainly don't want you getting into further financial stress. That's why if you have an overdue payment we won't let you buy anything else with us until your account is brought up-to-date.

If you are experiencing financial difficulty and are worried you can't make your payments, please contact us here.

Is Clearpay really interest-free?

It's always interest-free when you pay in 4 instalments.

Can I request a spend limit increase?

We cannot manually increase your spend limit. Whether you’re a new customer or have been with us for a while, we’ll regularly assess whether a spend limit that we consider is appropriate for you. Our system reviews accounts regularly to assess eligibility for limit increases, and a variety of factors are taken into consideration, including your on-time payment history and how long you’ve been with us.

There are circumstances that may lower your spending limit, such as missing a payment, lack of spending activity or requesting a spend limit decrease. Conversely, consistently paying on time helps improve your chances of being assessed for a higher spend limit.

Good to know.

You can manage upcoming payments in the Clearpay app, and in some cases, reschedule payments if needed - learn more about this here.

What happens if I miss a payment?

We have a commitment to responsible lending, and all steps that we take are designed to ensure that you are spending responsibly whilst using our service.

How does Clearpay make money?

We earn a small fee from the stores you shop with on each purchase - that's our main source of revenue, not late fees.

When you pay on time, everyone wins. You avoid any fees, the store gets paid right away, and we can keep the service running smoothly.

Is Clearpay secure and safe to use?

At Clearpay our number one priority is the protection of your data.

Secure Networks and Systems
Data Protection
Strong Access Control
Regular Monitoring and Testing

Our entire business depends on our community trusting us to help them plan, buy and pay – including managing and protecting their data.

This is why at Clearpay, protecting your data is our number one priority.

How is Clearpay different from credit cards?

Clearpay offers a distinct alternative to traditional credit cards by providing an interest-free payment plan that divides the cost of purchases into four instalments, over 6 weeks.

For more information head to our Get the Facts page.

How can I contact Clearpay?

Got more questions?

Get in touch with us via Help in the app.

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