# Clearpay - Buy Now, Pay Later — Shop & split payments in 4 > Buy now, pay later service with four interest-free installments. (iPhone/iPad app by Afterpay.) - Source: https://appshunter.io/ios/app/clearpay-buy-now-pay-later/id1474022186 (this page in markdown: same URL + `.md`) - Developer: [Afterpay](https://appshunter.io/developer/1221203041) - Category: Shopping, Finance - Price: Free - Rating: 4.93/5 from 146,326 App Store ratings · 1,738 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 154 MB - Languages: American English, Canadian French - Released: 2019-10-11 - Data updated: 2026-09-15 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/clearpay-buy-now-pay-later/id1474022186/reviews.md ## What is Clearpay? Pay in 4 interest-free. Clearpay is a buy now, pay later app that lets you shop now and spread the cost over time, with no interest and no fees when you pay on time. How it works. Split your purchase into 4 payments, paid every 2 weeks. Just shop your favourite brands, choose Clearpay at checkout, and pay over time. Shop thousands of brands. Discover fashion, beauty, home, tech and more, all in one place. Browse brands, find new favourites and stay up to date with the latest offers in the app. Pay online and in-store. Use Clearpay wherever you shop. Add it to Apple Pay to pay in-store, check out quickly online, and keep everything in one place. Stay in control. Track your orders and upcoming payments anytime. Get reminders before payments are due so you can stay on top of your spending. Important information. Clearpay credit subject to status. Ensure you can make repayments on time. You must be 18+ and a permanent UK resident (excl Channel Islands). 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 future access to credit and your details may be passed onto a debt collection agency working on Clearpay's behalf. T&Cs apply Clearpay.co.uk/Terms. Clearpay is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permission regime for Regulated Deferred Payment Credit. Details of the Temporary Permission regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website. ## Key features - Pay in 4 fortnightly installments - Interest-free payments - Manage payment plans - Track orders - Browse retailers and brands - Pay in-store option ## Recent user reviews (10 of 1,738) All indexed reviews: https://appshunter.io/ios/app/clearpay-buy-now-pay-later/id1474022186/reviews.md ### 5/5 — Clearpay *2026-09-09, version 1.143.0* I have been using Clearpay now for over three years I’ve never had no trouble with them and gives you opportunity to buy things that you usually wouldn’t be able to afford and split the money I will carry on using Clearpay and would advise anybody to give it a try ### 2/5 — Customer service shocking *2026-09-09, version 1.143.0* Credit limit decreased from £2000 to zero for no reason. Made all payments on time or earlier, only ever used £400 - £500 of my limit, giving no reason why and still waiting for a reply to my complaint after nearly 3 weeks. ### 5/5 — Cambo21lfc *2026-09-09, version 1.143.0* Very helpful app good stuff ### 5/5 — Jincy *2026-09-09, version 1.143.0* Very good ### 5/5 — Brill *2026-09-09, version 1.143.0* Great service I love it ### 5/5 — Great *2026-09-09, version 1.143.0* Great ### 3/5 — Brilliant and reliable *2026-09-09, version 1.144.0* Just shame the credit goes down then up then even lower This is not reliable at all ### 5/5 — Top *2026-09-09, version 1.143.0* Very nice ### 5/5 — Very Happy *2026-09-09, version 1.143.0* Very Helpful, makes affording the bigger things a lot easier and life more enjoyable ### 5/5 — Mrs Mackenzie *2026-09-09, version 1.143.0* Love clear pay I pay always on time and if you do this is a great company ## Frequently asked questions about Clearpay ### What is Clearpay? Clearpay is a shopping app that allows you to buy now and pay later by splitting your purchases into four interest-free fortnightly installments. You can manage your payment plans and track orders directly within the app. ### Does Clearpay charge interest? Clearpay offers interest-free payments on your purchases as long as you pay your installments on time. Late payments may incur additional fees, as noted in their terms. ### How do I sign up for Clearpay? To sign up for Clearpay, download the mobile app and complete the sign-up process. You can then start browsing retailers and brands to make purchases with installment plans. ### Can I pay in-store with Clearpay? Yes, you can pay in-store with Clearpay by adding it to your digital wallet. This allows for contactless spread payments at participating retailers. ### What happens if I miss a payment with Clearpay? If you miss a payment with Clearpay, you may incur additional fees. It's important to pay your installments on time to avoid these charges and maintain your interest-free status. ### How often are Clearpay payments due? Clearpay payments are due in four fortnightly installments. The first installment is paid at the time of purchase, with the remaining three due every two weeks thereafter. ### Can I change my payment card or pay early with Clearpay? Yes, Clearpay allows you to change your payment card for future installments or pay off any upcoming installments early directly through the app for added financial flexibility. ### What is the age rating for Clearpay? Clearpay has an age rating of 4+. This indicates that the app is suitable for users of all ages, though financial services are typically intended for adults. ## Version history (last 5 releases) ### 1.144.0 — 2026-09-04 Improved experience with bug fixes and updates. ### 1.143.0 — 2026-08-25 Improved experience with bug fixes and updates. ### 1.142.0 — 2026-08-12 Improved experience with bug fixes and updates. ### 1.141.0 — 2026-07-29 Improved experience with bug fixes and updates. ### 1.140.0 — 2026-07-05 Improved experience with bug fixes and updates. ## More apps by Afterpay - [Afterpay. Pay over time](https://appshunter.io/ios/app/afterpay-pay-over-time/id1230286588) - [Afterpay: Pay over time](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110) All apps by Afterpay: https://appshunter.io/developer/1221203041 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-15.*