Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in four automatic instalments, made every two weeks, without any interest (late fees apply). Please use Clearpay responsibly.

The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.e

You can apply to use Clearpay to pay for your online order as long as you’re over 18, a permanent UK resident and have a UK billing address, UK mobile number and debit or credit card.

Select Clearpay as your payment method at checkout and we’ll redirect you to Clearpay’s website. You’ll need to complete a short registration form if you are a new Clearpay customer. This will include providing Clearpay with some details including your name, date of birth, address and your debit or credit card details. You will also need to read and accept Clearpay’s terms and conditions to enable your order to be completed. For returning customers, you will just need to select Clearpay and log in to your Clearpay account on the M&S checkout page and accept Clearpay’s terms and conditions to complete your order. You will receive an instant decision after some initial checks by Clearpay, confirming if you are eligible to use this service as a payment method. Please note that the log-in details for Clearpay will be different from the log-in details you use for your M&S online account.

If approved, payment for your item(s) will be taken in four interest-free* instalments. You’ll be required to make the first instalment (25% of the total amount) when placing your order. The remaining balance is split into three equal payments that are automatically deducted from your Clearpay account every two weeks. The amount owed will be adjusted for any returns. You can log in to your Clearpay account, click here, at any time to see the status of your payments