Clearpay review: Buy now pay later with no interest

If you're looking for a flexible way to buy now pay later for your online shopping then Clearpay could be the service for you.

Last updated:

Clearpay is the British sister of popular Australian payment service Afterpay and allows you to split your online shopping totals into four easily payable chunks.

You can check out our full list of retailers that offer Clearpay here.

How does Clearpay work?

Clearpay partners with online retailers looking to offer simple third-party financing solutions for customers who want to buy now but need to pay later. Customers shop at their chosen online store as usual and at the checkout select Clearpay as their payment method.

Once you have selected Clearpay as your payment method you will sign in to, or create, your Clearpay account and provide your bank or card details.

Your final payment amount for your shopping will be split into four equal amounts, the first of which will be due immediately as you confirm your order and the other three of which will be automatically taken from your account at two-week intervals.

We spoke to the Clearpay CEO Carl Scheible to find out why it’s different

Which retailers offer Clearpay?

boohooMAN boohooMAN
Pay later!

Buy now and pay later with Clearpay at boohooMAN

Get deal
Pay later!
Nasty Gal Nasty Gal

Students: 45% discount

Urban Outfitters Urban Outfitters

Buy now, pay later with Clearpay at Urban Outfitters

PrettyLittleThing PrettyLittleThing
Pay later!

Buy now, pay later at PLT with Clearpay

Get deal
Pay later!

Features of shopping with Clearpay

  • No fees. Clearpay is always free to use as long as you make your payments on time.
  • Zero interest. Clearpay doesn’t charge any interest on your total amount.
  • Automatic payments. Clearpay will automatically take the second, third and fourth payments from your bank account at two-week intervals.
  • Orders shipped straight away. Clearpay pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.
  • Easy split. Clearpay offers just one type of payment plan and will split your total into four equal amounts that will be repaid automatically.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

How much does Clearpay cost to use?

Clearpay doesn’t charge any interest or fees to use its services. The only situation in which you’ll pay more than your total purchase price is if you do not have enough money in your account to make the automatic payments. In this case you will be charged a late fee and will need to log in to your Clearpay account to clear the balance.

Is Clearpay safe?

Yes. Clearpay is part of the Afterpay Touch Group, which is Level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS). So your card details and personal information is always safe when you shop with Clearpay.

How to sign up for Clearpay?

You must be at least 18 years old and shop with a retailer that offers Clearpay to sign up for an account.

When shopping at a Clearpay retail partner, you’ll see Clearpay listed as a payment option at the checkout. Click Clearpay and complete the short application on the next page. You’ll know instantly if you’re approved to use the service.

Have more questions about Clearpay?

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

4 Responses

  1. Default Gravatar
    TinaSeptember 23, 2019

    I’ve ordered twice of Clearpay. First order was for 50 something then paid that up in just 1 week. Second was for 54.99. Paid that up within a week. I’m trying to order again and it keeps declining me, have you got any idea why?

    • Avatarfinder Customer Care
      JeniSeptember 24, 2019Staff

      Hi Tina,

      Thank you for getting in touch with Finder.

      I’m afraid that we do not have the info on declined Clearpay application, however please note that Clearpay does not approve 100% of orders. They are committed to ensuring they support responsible spending. When determining which orders to approve, they considers a number of different factors. As an example, the longer you have been a shopper with Clearpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    DarcyAugust 3, 2019

    Hi there,

    My friend recommended me to clear pay. She said I can pay on the 4th week instead of just 3 separate instalments, is this true?



    • Avatarfinder Customer Care
      fayemanuelAugust 4, 2019Staff

      Hi Darcy,

      Thanks for contacting Finder.

      Clearpay allows you to pay for your purchase over 4 installments due every 2 weeks, in accordance with the relevant Payment Schedule. They will automatically take the second, third and fourth payments from your bank account at two-week intervals. There is nothing mentioned on their T&C that you can skip the 1st to the 3rd payment. If you won’t be able to pay Clearpay on time, you should contact them as soon as possible. Please checkout their T&C to know more about this.

      I hope that helps.

      Kind Regards,

Go to site