What is clearpay?
Leather & Down is pleased to partner with Clearpay, a leading payment provider, to offer you greater flexibility and convenience when shopping with us. Clearpay allows you to pay in a way that suits you best, whether through interest-free financing or by splitting your payments.
Why Choose Clearpay?
No Interest
Enjoy interest-free payments on select plans.
Automatic Payments
Hassle-free payments are made automatically.
Safe & Simple
Clearpay offers a secure and smooth payment experience.
Flexible Payment Options with Clearpay
Select Clearpay at Checkout
Add your desired items to your basket and select Clearpay as your payment method at checkout.
Complete the Clearpay Form
Provide a few personal details to confirm your eligibility. It’s quick, secure, and you'll know immediately if you're approved.
Enjoy Your Purchase
Once approved, your order will be processed, and Clearpay will send you a confirmation email along with payment reminders. You can manage your payments through the Clearpay app.
Why Customers Love Clearpay
Frequently Asked Questions
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. The service is interest-free (though late fees apply if you miss a payment).
Please use Clearpay responsibly. Clearpay Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA). Clearpay Plans are regulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. You can read more on the Clearpay Terms of Service.
Just shop on our website and check out as normal. At checkout, choose Clearpay as your payment method. You will be redirected to the Clearpay website or app to register and provide your payment details (Visa or Mastercard). If you have used Clearpay before, simply log in to your account to complete your order.
Who can use Clearpay?
To use Clearpay, you must:
Be a permanent UK resident (excluding the Channel Islands).
Be at least 18 years old.
Have a valid UK billing address.
Have a valid UK debit or credit card linked to your account.
Full eligibility details can be found in the Clearpay Website Terms.
Clearpay splits the total value of your order into 4 equal instalments, payable every fortnight:
First instalment: Paid at the time of purchase.
Three subsequent instalments: Deducted automatically from your selected card every 2 weeks.
The exact amounts and payment dates will be clearly displayed for you to review and agree to before you confirm your purchase. If you wish to make an unscheduled payment early, you can log in to your Clearpay account at any time and pay off your balance ahead of schedule.
As soon as a payment is missed, Clearpay will immediately pause your account so you cannot make any further purchases.
Clearpay will give you until 11pm the following day to make your payment manually. If it is still unpaid, a £6 late fee is charged. A further £6 fee will be applied if the instalment remains unpaid 7 days later.
For orders under £24: Late fees are capped at a maximum of £6.
For orders £24 and over: Total late fees are capped at 25% of the order value or £24, whichever is less.
Missed payments may affect your future access to credit, and outstanding debt may be passed to a debt collection agency working on Clearpay's behalf.
Clearpay performs a "proportionate" affordability check before approving every purchase to ensure customers can afford their instalments. While they do not run hard credit checks that damage your credit file when you apply, missed payments or defaulting on your plan can be reported to credit reference agencies, which can negatively impact your credit score and future ability to obtain credit.
Under FCA guidelines, all Buy Now Pay Later (BNPL) providers are regulated to protect your financial health. You can find out more about how these rules protect you on the official FCA Buy Now Pay Later Consumer Guide.
Your order will be processed and delivered within our standard delivery timeframes as outlined in Leather & Downs terms and conditions, exactly as if you had paid with a standard credit or debit card today.
Yes, our standard return policy applies to all Clearpay orders. When we receive and process your return, we will notify Clearpay.
Any upcoming scheduled payments will be cancelled.
Any payments you have already made will be refunded by Clearpay back to the card linked to your account.
Note: You must continue making your scheduled payments to Clearpay until your return is officially received and processed by us.
Clearpay does not utilise a fixed, universal credit limit for every user. Instead, their system automatically determines your spending power for each individual order based on factors like how long you have been using Clearpay, your payment history, and the total value of the items in your shopping cart. Your available limit will be clearly displayed when you log into your Clearpay account at checkout.
Yes. You can manage your payment methods or request to change an upcoming payment date directly inside your account via the Clearpay app or website. To avoid an accidental missed payment, it is recommended to update your card details or request a schedule adjustment at least 48 hours before your next instalment is due.
If you have more questions about managing your account, updating your personal details, or dealing with an outstanding balance, you can visit the comprehensive Clearpay Help Centre. For direct enquiries regarding your credit agreement, you can log into the Clearpay mobile app to open a 24/7 live chat or get in touch via the Clearpay Contact Page.
Need more information?
At Leather & Down, we want to make furnishing your home as seamless as possible. We have partnered with Clearpay to offer you the flexibility to spread the cost of your purchase. Clearpay allows you to split your order into four interest-free instalments, letting you enjoy your handcrafted timber pieces today while paying over time in a way that suits your budget. Read more about how it works on the official Clearpay Terms of Service.
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