Clearpay | Shop now, Pay later
What is Clearpay?
Clearpay gives shoppers the flexibility to pay 25% today and split their purchase into 4 interest-free payments, due every 2 weeks. Customers should check out http://www.clearpay.co.uk/terms for the full eligibility criteria.
Be aware that clearpay is a form of unregulated credit and should be considered as such.
How does it work?
Clearpay does not charge interest on a customer’s purchase. There are also no late fees when payments are made on time.
If a customer does miss a payment, they may be charged a late fee. 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 £36 or 25% of the order value for orders over £24. They should read their Clearpay Installment Agreement for full terms and to learn more.
What do I need to apply?
A debit or credit card
To be over 18 years old, terms apply
Be a UK resident
Further details and FAQ's
Clearpay lends you a fixed amount of credit to allow you to pay for your purchase over 4 installments, due every two weeks. To be eligible for credit from Clearpay, you must be a permanent UK resident (excl Channel Islands), aged 18+. Further eligibility criteria and T&Cs apply. Clearpay Finance Ltd.
Make sure you can make your repayments on time by each due date to avoid late fees.
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
We encourage you to use Clearpay responsibly.
How do I use Clearpay?
Providing your location & items in your cart meet the requirements set by Clearpay, you can just shop here at James' Home of Tone as normal and checkout as usual. At the checkout, choose Clearpay as your payment method. You will be directed to the Clearpay website to register and provide payment details (visa/mastercard). Once you have received your Instant Approval Decision and it has been accepted, then complete your order.
Can I make additional payments to clear my schedule earlier?
Yes! This is done through your created Clearpay account and they will adjust the final amount where applicable, accordingly. Please see the Clearpay T&Cs for more info on this.
When will I receive my order?
If you have completed your checkout and have successfully completed the Clearpay application to receiver your Instant Approval Decision, then the goods will be fulfilled as per the standard James' Home of Tone dispatch times which are stated HERE or detailed specifically on the product description for what you have ordered if it is a made to order item for example. If you are at all unsure whether your item is made to order or not, each product description will tell you the products availability and production time.
How do I return or exchange an order/item purchased using Clearpay?
Clearpay returns follow the normal James' Home of Tone process. Please note however, that refunds for Clearpay will be refunded from James' Home of Tone to Clearpay. As soon as the refund is processed it will drop into your personal Clearpay account. Please see the Clearpay T&Cs for more info on this.
Have more specific questions about using Clearpay as your payment method? Then their website has a comprehensive info and T&Cs page which I would recommend viewing to help further. 
