How it Works
Checkout with Clearpay whenever you shop with us online.
That means you can get what you want now, and spread your payments over 6 weeks.
How it Works
Clearpay offers instalment plans for online shoppers
Buy what you want today, pay it in four instalments, interest-free
Add your
favourites to cart
Select Clearpay
at checkout
Log into or create your
Clearpay account, with
instant approval decision
Your purchase will be
split into 4 payments,
payable every 2 weeks
Add your favourites to cart
Select Clearpay at checkout
Log into or create your Clearpay account, with instant approval decision
Your purchase will be split into 4 payments, payable every 2 weeks
Shop now. Pay later.
The payment platform allows you to purchase in four instalments, due every 2 weeks. For example, if you purchase an item for £400, you will pay it in four smaller instalments. There is no additional cost to use Clearpay as long as you pay on time.
Shop now. Pay later.
The payment platform allows you to purchase in four instalments, due every 2 weeks. For example, if you purchase an item for £400, you will pay it in four smaller instalments. There is no additional cost to use Clearpay as long as you pay on time.
Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). 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 your details may be passed onto a debt collection agency working on Clearpay’s behalf. Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at clearpay.co.uk/terms.
Frequently asked questions about 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). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
Just shop on Must Have Ideas 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!
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.
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.
Clearpay orders are delivered within our standard delivery timeframes like any order from Must Have Ideas.
Yes, your order value including shipping must be between £0 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.
Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.
Items purchased with Clearpay follow our standard return process.
Please note, refunds for Clearpay purchases will be refunded from Must Have Ideas to Clearpay. We cannot provide an exchange or cash refund.
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 the 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.