Buy Now Pay Later With Clearpay | Flexible Payment Option at Checkout

Buy Now Pay Later with Clearpay gives you a simple and flexible way to shop without paying the full amount upfront. Split your purchase into 4 automatic instalments, paid every 2 weeks, interest-free. Late fees apply.

1. What is 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 Finance Ltd is authorised and regulated by the Financial Conduct Authority.

2. How do I use Clearpay?
Shop on the Alive & Dirty website 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.

3. Where can I use Clearpay?
Clearpay is available online at aliveanddirty.co.uk. Take a look at the Clearpay Shop Directory to discover other partners where you can use Clearpay.

4. Who 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.

5. How does the Clearpay payment schedule work?
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.

6. What if I can't pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay. 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, after which a late fee will apply. This will be an initial £6 and a further £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.

7. When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes, just like any other order from Alive & Dirty.

8. Is there a limit to how much I can spend on a single Clearpay transaction?
Your order value including shipping must be £1,000 or under to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.

9. Can I use another form of payment with Clearpay?
Yes, you may also use a gift card or a promotional code alongside Clearpay to pay for your purchase.

10. How do I return or exchange an item purchased with Clearpay?
Clearpay purchases follow our standard return policy. Please check our returns policy to make sure your purchase is eligible for return. Refunds for Clearpay purchases will be refunded from Alive & Dirty 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 we have confirmed receipt of any returned goods, you will be liable to continue making your payments to Clearpay. You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.

11. Can I withdraw from my Clearpay agreement?
Yes. Once you have entered into a regulated Clearpay credit agreement, you have the right to withdraw from it within 14 days without giving any reason. If you exercise your right to withdraw, you must repay the credit (the amount Clearpay paid on your behalf) without delay and no later than 30 days after giving notice of withdrawal. Please contact Clearpay directly to exercise this right. Note that withdrawing from the credit agreement does not cancel your purchase from Alive & Dirty — our standard returns policy applies if you wish to return goods.

12. What consumer protections apply to my Clearpay purchase?
As a regulated credit provider under FCA oversight, Clearpay is subject to the FCA's Consumer Duty, which requires it to deliver good outcomes for customers. Under Section 75 of the Consumer Credit Act 1974, you may have rights against Clearpay as the creditor if Alive & Dirty breaches its contract with you or makes a misrepresentation. If you have a complaint that cannot be resolved directly, you may be able to refer it to the Financial Ombudsman Service (FOS).

13. Where can I find out more about Clearpay?
Visit the Clearpay Help Centre for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy.

Important information about Clearpay

Alive & Dirty Limited is not a lender and acts only as a credit introducer. The credit product is provided by Clearpay Finance Ltd, authorised and regulated by the Financial Conduct Authority. Credit is only available to permanent UK residents aged 18 and over, subject to status. Terms and conditions apply.

Clearpay's Pay in 4 is a regulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply.

For full details of Clearpay's terms and conditions and privacy policy, please visit clearpay.co.uk.