Paid advertisement
Smart Money People Logo
Newsletter

Voting in the Insurance choice awards 2026 is open - Vote here

Share this page

Clearpay reviews

Clearpay logo
Rated Average • 3.33/5

Clearpay reviews

Verified business Last reviewed within 7 days

Review summary

People rate this company as Average based on 62 product reviews

Average score of 3.33/5
5 star
55%
4 star
6%
3 star
2%
2 star
2%
1 star
35%
Reviews for Clearpay have trended negatively over the past 90 days

Latest positive rating

5.00/5

I love clearpay is so handy and reasonable for cloth...

I love clearpay is so handy and reasonable for clothes shopping and treating yourself with out having to worry about money

{"display":"Tasha","slug":"user1783964649","deleted_at":null,"created_at":"2026-07-13T17:44:09.000000Z","updated_at":"2026-07-13T17:44:09.000000Z","biography":null,"tagline":null,"gender":null,"rank":null,"first_name":"Natasha","last_name":"","full_name":"Tasha","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Buy now pay later
Tasha 13th July 2026

Latest negative rating

1.00/5

I would not trust Clearpay to protect you when a mer...

I would not trust Clearpay to protect you when a merchant fails to deliver My experience with Clearpay has completely destroyed my confidence in using... I would not trust Clearpay to protect you when a merchant fails to deliver My experience with Clearpay has completely destroyed my confidence in using them for purchases where there is any risk of a dispute. I paid £500 for a “done-for-you” digital product service with a clear list of promised deliverables. Only a fraction of what I paid for was delivered. The merchant subsequently acknowledged in writing that he “did not finish the full setup” and that he then “went quiet” after I provided the information he needed to continue. Despite Clearpay being provided with extensive evidence — including the merchant’s own written admission — my disputes have repeatedly been closed in the merchant’s favour and payments have continued to be taken. My biggest issue is not simply that I disagree with their decision. It is the way the evidence appears to have been handled. I have spent considerable time supplying correspondence, timelines, lists of missing deliverables and the merchant’s own admission that the service was not completed, yet I have repeatedly been left feeling that the substance of that evidence has not been properly addressed. I am now pursuing the matter outside Clearpay. My warning to other customers is simple: do not assume that paying through Clearpay means you are fully protected if a merchant fails to provide what you paid for. Based on my experience, I certainly would not rely on Clearpay to resolve a serious merchant dispute fairly. I will not use Clearpay again. Read more Read less

{"display":"Philip","slug":"user1791280711","deleted_at":null,"created_at":"2026-10-06T09:58:31.000000Z","updated_at":"2026-10-06T09:58:31.000000Z","biography":null,"tagline":null,"gender":null,"rank":null,"first_name":"Philip","last_name":"","full_name":"Philip","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Buy now pay later
Philip 6th October 2026

About Clearpay

Are you looking for Clearpay reviews? Smart Money People is the UK's financial services review website, and if you're a customer of Clearpay, then we'd love to hear your feedback. Please share a short review below to help other people find out more!

Clearpay at a glance

Reviews for Clearpay

Showing 11 of 62 company reviews • Last reviewed within 7 days

I would not trust Clearpay to protect you when a mer...

Buy now pay later • 6th October 2026

I would not trust Clearpay to protect you when a merchant fails to deliver My experience with Clearpay has completely destroyed my confidence in using... I would not trust Clearpay to protect you when a merchant fails to deliver My experience with Clearpay has completely destroyed my confidence in using them for purchases where there is any risk of a dispute. I paid £500 for a “done-for-you” digital product service with a clear list of promised deliverables. Only a fraction of what I paid for was delivered. The merchant subsequently acknowledged in writing that he “did not finish the full setup” and that he then “went quiet” after I provided the information he needed to continue. Despite Clearpay being provided with extensive evidence — including the merchant’s own written admission — my disputes have repeatedly been closed in the merchant’s favour and payments have continued to be taken. My biggest issue is not simply that I disagree with their decision. It is the way the evidence appears to have been handled. I have spent considerable time supplying correspondence, timelines, lists of missing deliverables and the merchant’s own admission that the service was not completed, yet I have repeatedly been left feeling that the substance of that evidence has not been properly addressed. I am now pursuing the matter outside Clearpay. My warning to other customers is simple: do not assume that paying through Clearpay means you are fully protected if a merchant fails to provide what you paid for. Based on my experience, I certainly would not rely on Clearpay to resolve a serious merchant dispute fairly. I will not use Clearpay again. Read more Read less

Rated Terrible • 1.00/5
Read more product reviews

They have reduced loyal paying customers credit to 0

Buy now pay later • 16th August 2026

They have reduced loyal paying customers credit to 0

Rated Terrible • 1.00/5
Read more product reviews
  • 1.00/5

    Really poor customer service.

    Really poor customer service. Unhelpful

  • 5.00/5

    I love clearpay is so handy and reasonable for cloth...

    I love clearpay is so handy and reasonable for clothes shopping and treating yourself with out having to worry about money

    {"display":"Tasha","full_name":"Tasha","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Buy now pay later
    Tasha 13th July 2026
  • 5.00/5

    Clearpay had really had my back for a few years now !

    Clearpay had really had my back for a few years now ! When I’m broke but still need a dress or something I know I... Clearpay had really had my back for a few years now ! When I’m broke but still need a dress or something I know I can count on Clearpay making it easier. The pay in 4 option is so wonderful and really makes a purchase easier. However, the pay a k period being every 2 weeks can be a bit daunting especially if my timing is off within the month for when I place my order vs when I get paid. Regardless, it’s very useful! Read more Read less

    {"display":"Mo B","full_name":"Mo B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Buy now pay later
    Mo B 22nd June 2026
  • 5.00/5

    and It is extremely suitable for shopping

    It is extremely good and useful for many people and because you can also go to stores to buy

  • 2.00/5

    Soon adds up

    The process of applying was very straightforward, however be aware these schemes can often add up without noticing!

  • 4.00/5

    I’ve had a positive experience using Clearpay for bu...

    I’ve had a positive experience using Clearpay for buy now, pay later purchases. It’s been a simple and convenient way to spread the cost of... I’ve had a positive experience using Clearpay for buy now, pay later purchases. It’s been a simple and convenient way to spread the cost of bigger purchases without paying everything upfront. The app is easy to use, repayment dates are clear, and I like being able to keep track of upcoming payments in one place. Clearpay lets eligible UK customers split purchases into 4 interest-free instalments over 6 weeks when payments are made on time. Read more Read less

  • 5.00/5

    Really easy to use they make it very simple, handy t...

    Really easy to use they make it very simple, handy to pay in instalments

  • 5.00/5

    Excellent company

    I was a bit hesitant to try Clearpay since I have always been with Pay pal . However, having recently tried them, I must say... I was a bit hesitant to try Clearpay since I have always been with Pay pal . However, having recently tried them, I must say I am extremely impressed with the company as far as the ease and convenience of the payment is concerned. Everything seems to be well organised and secure. In addition, the customer service is second to none and it doesn't feel like there is some sort of agenda of a nefarious nature to be considered before a decision is made. Read more Read less

  • 4.00/5

    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... 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? Read more Read less

    {"display":"MSG ","full_name":"MSG ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Buy now pay later
    MSG 31st January 2026

    Products from Clearpay

    Showing all products offered by Clearpay

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice