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 Limited. Clearpay Finance Limited 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.
As Clearpay Plans are regulated credit agreements, you have certain rights. You can withdraw from a Clearpay Plan within 14 days, but this doesn't cancel your purchase, and you'll need to repay the credit within 30 days. If Clearpay can't resolve a complaint, you may be able to take it to the Financial Ombudsman Service. See Clearpay Terms of Service for details.
How do I use Clearpay?
Clearpay can be used online and instore.
To shop online, simply visit Gymshark and check out as normal. At checkout, select Clearpay as your payment method. You’ll be directed to Clearpay to log in or create an account and provide your payment details (Visa or Mastercard).
If you’ve used Clearpay before, just log in to complete your order.
To shop instore, download the Clearpay app and set up the Clearpay Card. Before paying, head to the In-store tab in the app and enter your purchase amount. Clearpay will run a quick check and, once approved, you can tap and pay using Apple Pay, Google Pay or Samsung Pay. Your purchase will then be split into 4 instalments.
Where can I use Clearpay?
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.
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, including creditworthiness and affordability assessments. See Clearpay Terms of Service for further details.
How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online, the exact amounts and dates will be displayed for you to agree to before you confirm your purchase.
For instore purchases, you will receive your payment summary once you have successfully transacted.
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.
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 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 £24, whichever is less.
Late payments may affect your future spending limits. Clearpay may also report late payments to credit reference agencies. This could have a negative impact on your credit file and make it harder to get credit in future.
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.
When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes, like any order from Gymshark.
Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value, including shipping, must be between £0.01 and £1500 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
Can I use another form of payment with Clearpay?
Yes, you can also use a gift card or promotional code with Clearpay to pay for your purchase.
How do I return or exchange an item purchased with Clearpay?
Clearpay purchases follow Gymshark's standard returns policy, both instore and online. Check our returns policy to see if your item is eligible. This doesn't affect your legal rights if an item is faulty or not as described.
Once we've processed your refund, we'll let Clearpay know. Clearpay will then adjust or cancel your upcoming payments and refund anything you've already paid to your original payment method.
Until your return is confirmed, your payments may continue as scheduled. Let Clearpay know as soon as you return an item, as they may be able to pause or adjust your payments while it's processed.
You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.
Where can I find out more about Clearpay?
Visit the Clearpay website for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy.