Paying with Clearpay

You can pay for your order with Clearpay at our checkout. Clearpay is a form of credit, so before you choose it, please read how it works and what happens if a payment is missed.

Clearpay is a buy now, pay later service provided by Clearpay Finance Ltd. It lends you a fixed amount of credit to pay for your order, which you then repay in 4 instalments, due every 2 weeks — so the cost is spread over 6 weeks. There is no interest to pay if every instalment is paid on time. Late fees apply if they are not.

Your agreement is with Clearpay, not with us. Its terms are set out in the Clearpay Terms of Service, and you agree to them with Clearpay before your order is placed.

• You must be 18 or over.
• You must be a permanent UK resident — England, Wales, Scotland or Northern Ireland (not the Channel Islands) — with a UK billing address.
• You need a UK Visa or Mastercard debit or credit card. Prepaid cards are not accepted.
• Clearpay checks your details and decides whether to approve each order. Other eligibility criteria apply.

Clearpay is available on orders from £1 to £1,200, including delivery. Clearpay sets a spending limit for each customer, so the amount available to you may be lower.

Your order is split into 4 instalments, due every 2 weeks. The exact amounts and dates are shown to you before you confirm the purchase, and Clearpay takes each instalment from your card on its due date.

You can view your schedule, or pay an instalment early, at any time in your Clearpay account.

If you think you will not be able to make a payment, contact Clearpay before it is due.

• Clearpay charges a £6 late fee for each late instalment, and a further £6 if it is still unpaid 7 days later.
• Late fees are capped at £6 for orders under £24, and at the lower of £24 or 25% of the order value for orders of £24 or more.
• Your Clearpay account is paused, and you cannot make further purchases with Clearpay until your payments are up to date.
• Missed payments may be reported to credit reference agencies, which could affect your ability to get credit in the future.
• Unpaid amounts may be passed to a debt collection agency.

Clearpay carries out a soft credit check when you apply and when it reviews your account. Clearpay states that these checks do not affect your credit score. Missed payments, however, may be reported to credit reference agencies, as set out above.

Orders paid with Clearpay are returned in the same way as any other order — see our Returns Policy.

• A refund is paid back to Clearpay. Clearpay then cancels any instalments still to come and returns what you have already paid to the card you paid with.
• For a partial refund, Clearpay reduces your remaining instalments.
• Keep paying your instalments as scheduled until we have received the return and processed the refund. A refund can take up to 10 business days to appear in your Clearpay account.

For questions about your payment schedule, your Clearpay account or a payment you cannot make, contact Clearpay through the Clearpay Help Centre. For anything about your order — delivery, a return, a faulty item — contact us.