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).

The service is provided by Clearpay Finance Ltd.

Just shop on Merchant Site a​nd 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!

Clearpay is not available on purchases of gift cards or e-gift cards, pre-order items or subscriptions. If your order contains any of these items, you will need to purchase these items separately.

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.

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.

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 £36, 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 Payment Purchase Agreement here.

Clearpay orders are delivered within our standard delivery time frames like any normal order from Coggles.com.

Visit our Delivery page here for more information.

Yes, you can also use a promotional code with Clearpay to pay for your purchase as long as the basket value is over £10.

Clearpay returns will follow our standard returns process. Please note, refunds for Clearpay will be refunded from Coggles.com to Clearpay and 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 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.As soon as the refund has been processed it will drop into your online Clearpay account. Do you have more questions about Clearpay returns? Click here.

Visit the Clearpay website here for a detailed list of FAQs and to check out Clearpay’s Privacy Policy here.

Further info about Clearpay, late fees, edibility criteria and more can be found by checking out the dedicated Clearpay help page here.