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Clearpay: Buy now pay later reviews

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3.04
Based on 52 reviews, last reviewed 31st Jan 2026
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Latest highest rating:

4

I have been using Clearpay for 2 years now and have... I have been using Clearpay for 2 years now and have found it a useful way to budget my finances . However please note the payback period is 4 WEEKS an... Read more Reviewed on: 31st January 2026
MSG 's avatar
MSG

Latest lowest rating:

1

To me, they behave like scammers. To me, they behave like scammers. You can buy an expensive watch and if their supplier sends you a toothbrush (obviously an item you didn’t order) the... Read more Reviewed on: 17th October 2025
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Colin
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About this product

Clearpay allows you to split purchases into four equal, interest-free payments over six weeks.

Clearpay has an app where you can track your payments and reschedule payment dates. You can also set up a digital Clearpay Card to add to your Apple or Google Wallet.

Clearpay reviews help you find out what it’s really like to be a customer. If you’ve used Clearpay before, you can also leave a review and share your experience.

Review Clearpay: Buy now pay later now

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Clearpay Buy now pay later reviews (52)

I have been using Clearpay for 2 years now and have...

4
I have been using Clearpay for 2 years now and have found it a useful way to budget my finances . However please note the payback period is 4 WEEKS and NOT 6 WEEKS as it’s claimed on this site . The only problem I ran into was my pay day being changed as my employment changed, this having to move my payments (x3) to a new day , just 2 days. I was locked out of my account until all my purchases were paid off which I thought was extremely punitive for 2 days ? I’ve no doubt this has happened to many others as life and work life isn’t always static. However admin staff were helpful in explaining why they do this and it is to protect both the app and the customer from getting into unmanageable debt , the also slowly increase your spending power which again is a safeguard what ever way you look at it ? It would be great if there was a 6 week option but that’s not available in the U.K. and I’ve found using Clearpay for EBay absolutely impossible, with EBay UK stating” we do not accept Clearpay” Likewise purchasing from Amazon can also be very tricky at times. There are many stores advertised as accepting Clearpay but at checkout do not accept Clearpay only Afterpay , which i understand is Clearpays big sister and used in USA & Australia. It would be fantastic to have an actual card option for those emergency situations where there’s an unexpected purchase hits you right in the middle of the month ? E.G a new tyre or that trip to the vet ? Overall in these times I have found it a very useful budgeting tool , the App helps you keep a good track on your spending . The Rewards I have to admit are a bit naff , not really rewards but an introduction into purchasing something you don’t need or want but some good deals on Apple products. Getting a discount voucher for more everyday purchases would be more beneficial. Clearpay has become an integral part of my budgeting now but as mentioned above still would like it even better if there was a 6 week payment option and if stores that accept Afterpay could accept Clearpay is the same company? Reviewed on: 31st January 2026
MSG 's avatar
MSG

To me, they behave like scammers.

1
To me, they behave like scammers. You can buy an expensive watch and if their supplier sends you a toothbrush (obviously an item you didn’t order) they will expect you to pay for the watch even though they know it’s not the item ordered otherwise they will send in collection agencies. Is this even legal? Reviewed on: 17th October 2025
Colin's avatar
Colin

Awful Company

1
No understanding if you hit a rough patch!!! They will keep your account up and won't let you delete it but won't ever let you use it again, even after repaying after a rough patch. Why can I not delete my account if I will never be allowed to use it? I don't want you having my details anymore!!! In my case I left my abusive ex and had to start from scratch with my kids so money has been extra tight and did not pay straight away. I paid it off a while ago and they had it blocked for ages with NO EXPLANATION. Nevermind there are plenty of better companies. Enjoy your bad review and goodbye!!! Reviewed on: 3rd October 2025
Proud Mummy's avatar
Proud Mummy

Partners engagement ring

5
Have ordered my parents engagement ring from clear pay and posted it in 4 payments, helps so much was very happy with product Reviewed on: 13th July 2025
Lucas's avatar
Lucas

Easy to set up and budget to spread payments, especi...

5
Easy to set up and budget to spread payments, especially for those of us who can’t easily get credit etc Reviewed on: 12th June 2025
CKY's avatar
CKY

Excellent provider.

5
Excellent provider. Adaptive and responsive with no charge for credit. Reviewed on: 26th May 2025
PR's avatar
PR

Fraudulent practices!

1
It seems Clearpay manipulates reviews! Reporting them to Trading Standards and The Financial Ombudsman! Tried to open an account and was told I had an account 5 years ago and an outstanding balance of 49£, 22! Emails with them, hours of messaging back and forth and trying to sort this and repay the debt I didn’t know I had with them, being made to believe I can then use their services again. But low and behold, once I paid this, I got a message saying they will NEVER offer me their services again! Imagine the cheek! Their fraudulent tactics to get me to pay will absolutely be reported! Reviewed on: 30th April 2025
Haliku P's avatar
Haliku P

Very useful!

5
Very useful! I use it all of the time and have never had any complaints. App is great and very accessible and it is well organised so you can clearly see when you owe and what you owe! Reviewed on: 22nd April 2025
Daisy W's avatar
Daisy W

Easy to use app

5
Easy to use app with good offers linked to retailers Reviewed on: 18th April 2025
Toby 's avatar
Toby

Absolutely rubbish company.

1
Absolutely rubbish company. Admittedly I was late paying my balance but cleared it in full under the assumption my services would be restored (in black and white from them on an email). DO NOT BELIEVE THIS RUBBISH!! They will take the money and then close your account for ever! Customer service didn't want to know despite me threatening them with watchdog due to false / misleading information. Reviewed on: 3rd September 2024
Daniel W's avatar
Daniel W

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