Finance

Clearpay

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  • 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). Please use Clearpay responsibly. The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
  • Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details.
  • 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.
  • 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 with Clearpay. 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 £24, 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. Please see Clearpay Terms of Service for further details.
  • Your order value including shipping must be between Merchant Minimum Order and £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
  • Visit the Clearpay website h​ere ​for a comprehensive list of FAQs, Clearpay Terms of Service ​here, and Privacy Policy h​ere​.

Klarna

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  • Klarna allows you to pay in several ways depending on your needs. We have two credit products in the UK – two ‘Buy Now, Pay Later’ products (Pay in 3 and Pay in 30 days). To use any of our UK products you must be a UK resident over 18. With Klarna you can also pay immediately at checkout with your card of choice.
    Pay in 3
    This option allows you to spread the cost of your purchase into 3 equal interest-free and instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days.The minimum amount is £30 and maximum amount is £1000.
    Pay in 30 days
    With Pay in 30 days you have up to 30 days to pay for your goods after they are shipped, with no interest.The minimum amount is £1 and maximum amount is £800.

  • On our BNPL products we conduct robust eligibility assessments on each and every purchase, including a soft credit check, which will not affect your credit score. This means we take a real time view of someone’s financial circumstances so we only lend to those who can comfortably pay us back.

    We make sure you’re informed ahead of time before a payment is due. In our Klarna App you’ll have the chance to pay off your balance earlier or, in case you need some extra time, you can extend the due date for free and get 10 additional days to pay. You can extend the due date only once per order.  

    Should you struggle to pay, we have a dedicated vulnerable customer team that can help you find a solution that works for you. If you miss a payment, however, we will restrict the use of our services. 

    If you have fallen behind on your payments and if after repeated attempts we are still unable to contact you to help you manage your payment plan, we will refer you to a debt collection agency. There is still no interest passed to you. We only ever use debt collection agencies to continue to help us make contact with customers. We never sell unpaid debts to debt collection agencies on these products. This means Klarna maintains total control over how the debt is managed. We do not use enforcement agencies or bailiffs and neither do our debt collection agencies.