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.

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What is Clearpay?

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?


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JD SportsJD Sports
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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.

What if I’m late to making a payment?

As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay. You will also be charged an initial late fee of £6 and a further fee of £6 if the payment is not made within 7 days. Clearpay’s late fees are capped and will never go higher than 25% of the price of the item you purchased.

What if I miss a payment?

Clearpay does not perform a credit check at the point of purchase. However, if you do miss a payment Clearpay will charge you £6. A further £6 will be charged if a payment remains unpaid 7 days after the due date.

Clearpay customer reviews

Clearpay has collected a wide range of reviews online. On Trustpilot, the buy now, pay later provider scores 4.7 out of 5 stars and a score of “Excellent”, based on over 3,000 reviews (November 2020).

The Clearpay app performs even better, with a score of 4.9 out of 5 on the App Store, that’s based on over 3,500 reviews in November 2020. On Google Play, it’s the same story. The Clearpay app scores 4.9 out of 5 stars based on 3,500 reviews (November 2020).

What can I do if something goes wrong?

On the off chance that you encounter a problem with Clearpay, we suggest taking a look at the list of FAQs on the site. Can’t find your question on there? Send a message online and wait for a member of the customer services team to get back to you.

Have more questions about Clearpay?

Is Clearpay easy to use?

Finder’s buy now, pay later expert Amelia Glean answers

amelia expert comment
Australian-based Clearpay, known globally as Afterpay, launched in the UK in 2019, and allows users to split the cost of an item into four chunks, taken automatically every two weeks. The service is interest-free but late payment charges of £6 apply if a balance is left unpaid on or after the due date. But when it comes to actually using the service, what’s it like?

1. Fixed repayment plan

Unlike Klarna and a number of other buy now, pay later providers, Clearpay only offers one type of payment plan. Arguably, this makes things simpler for the user as everyone plays by the same rules. But there’s no getting away from the fact that you can’t use Clearpay in the same way as Klarna and “try before you buy”. This is because Clearpay’s payment option involves splitting the cost of your goods into four chunks, with one instalment taken at the time of purchase. While you will get your money back if you return the item, the money is still leaving your account before you’re sure if you want to keep your new item.

2. Automatic payments

What we like about Clearpay is the payments are automatic, meaning shoppers don’t need to keep an eye on due dates and risk missing the deadlines. All of this means, however, that you do need to ensure there are sufficient funds in your linked account to cover the costs. Unlike Klarna, Clearpay charges a late fee of £6 in the first instance, and if it is still not paid after 7 days, a further £6 fee will be charged. If you choose to pay by Clearpay, this is something you should be aware of.

3. User-friendly app

If you use Clearpay regularly, chances are you’ll benefit from downloading the Clearpay app, available on both iOS and Android devices. It allows you to manage your payments efficiently and view your payment schedule, as well as browse through the range of online retailers that offer Clearpay at checkout. You can also make early payments should you wish to clear your repayment plan sooner – a handy feature for those who have the money ready and waiting.

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4 Responses

    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!


    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,

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