Clearpay Pay in 4

Clearpay Pay in 4 is an interest-free loan that lets you spread the cost of your purchase over 6 weeks.

Just select Clearpay at the payment screen during the checkout process. After selecting it you can apply for a Clearpay account in a few simple steps, get an instant decision and finish checking out. Please note that Clearpay's decision making process is automated and that approval is based on their internal checks.

Your first payment is made when you make your purchase with the second, third and forth payments being taken every 2 weeks.

There is no interest, fees or charges for choosing to pay with Clearpay Pay in 4.

You may repay the amount you owe in full at any time, without any fees or charges.

Clearpay is only available customers over 18 living in the UK (excluding Channel Islands and Isle of Man), with a UK payment method, a UK billing address, a valid email address and UK mobile number.

Clearpay may run a soft credit check with an external credit reference agency when you apply if they need more information to make their decision. This search will only be visible to you. If you decide to use Clearpay Pay in 4, your repayment history will be shared with credit reference agencies to promote responsible lending.

Clearpay Pay in 4 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 4 and of missing payments, including making other borrowing more difficult or more expensive.

Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later.

Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24.

Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency.

For more information regarding Clearpay Pay in 4 please see their T&Cs.

If at any point your financial circumstances change contact Clearpay to discuss this by using their contact us page.

Clearpay Pay in 4 is a trading name of Clearpay Finance Limited. 101 New Cavendish Street, London, W1W 6XH.