Who is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply).
The service is provided by Clearpay Finance Ltd.
How do I use it?
Just shop on our site and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex).
If you’ve used Clearpay before, just log in to your Clearpay account.
Then complete your order!
Who can use Clearpay?
Customers in the UK, US, AUS, NZ & CAN ages 18+. Other eligibility criteria apply. See Clearpay Terms of Service here for further details.
How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
What if I can't pay an instalment?
If you cannot make a payment please contact Clearpay here. As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £36, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly.
When will my items be delivered if I used Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any other order.
Is there a maximum limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must not be more than £1000 to use Clearpay.
Can I use another form of payment with Clearpay?
Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
How do I return an item purchased with Clearpay?
Items purchased with Clearpay follow our standard returns process. When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with.
Please note that until the merchant has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account.
Please note, refunds for Clearpay purchases will be refunded from Lazy Oaf to Clearpay. We cannot provide an exchange or cash refund.