We’re excited to provide the opportunity for you to buy luxury bedding now and pay later with Clearpay. This credit solution lets you spread the cost of your order over a more affordable timeframe. Explore our complete range of bestselling bedding now.

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What is Clearpay?

Clearpay is a safe and secure payment service that lets you spread the cost of your bedding purchases over four affordable, interest-free instalments. You’ll make the first payment upon checkout, and receive credit for the remaining payments which will be payable every two weeks over a six week period. 

Originally launched in Australia in 2014, Clearpay now operates globally, and more than 100,000 digital retail partners around the world have adopted the ‘buy now, pay later’ platform.

Who can use Clearpay?

To purchase your bedding with Clearpay, you must:

- Be at least 18 years old

- Live in the UK with a UK billing address

- Have a verifiable email address and phone number

- Pay with a UK bank card

- Have a verifiable ID

If you have an international address, you’ll unfortunately not be eligible to buy now, pay later using Clearpay.

How does Clearpay work?

Clearpay lets you make purchases in four separate interest-free instalments, payable every two weeks. For example, if your total purchase price is £100, you’ll pay four instalments of £25. 

It couldn’t be any easier to buy soft and silky bedding using Clearpay:

1. Choose your favourite items from Ethical Bedding, and add to basket as usual. 

2. At the checkout, select Clearpay as your payment method. 

3. Quickly and easily create a Clearpay account, receive an instant application decision, and complete your purchase (first time users will only be approved for one purchase within the first 24 hours). 

4. Make your first payment at the checkout, and the remaining instalments every two weeks over a six week period. 

5. You’ll agree to a specific payment schedule upon approval, with all payments taken automatically from the linked card, and as long as you make payments on time, there’s no interest or additional costs to worry about. 

6. You can log into your Clearpay account at any time, to either view your payment schedule or make unscheduled payments before they’re due.

The benefits of Clearpay

Affordable: Clearpay lets you buy now, pay later. This means you can purchase luxury bedding and spread the cost over an affordable timeframe (six weeks).

Interest-free: Clearpay doesn’t include interest on any purchases, as long as all payments are made on time. You’ll simply pay the total cost of your purchase in four equal instalments. 

Safe and secure: Clearpay has achieved the highest level of payment data security in the world, so you can relax and make your purchases with total trust. 

Simple signup: The Clearpay application process is simple and straightforward, with only a few basic criteria to fulfil. 

Fast checkout: You’ll find out if you’re eligible to spread the cost of your bedding with Clearpay instantly, letting you checkout quickly.

Clearpay FAQs

Who is Clearpay?

Clearpay is a credit provider that lets you spread the cost of your purchases across four interest-free payments. Founded in Australia, Clearpay now operates worldwide, with over 100,000 retail partners.

Why was my payment not authorised?

When placing an order, Clearpay will run an instant eligibility check. While the aim is to provide an affordable payment solution for everyone, Clearpay may not authorise your payment if you’re under 18, don’t live in the UK, don’t have sufficient funds, or have other overdue Clearpay payments.

I still have questions about my payment. How can I get in touch?

If you’ve paid using Clearpay, we’ll unfortunately not be able to access your payment information. Instead, if you have any questions related to a payment, get in touch with Clearpay directly.

What if I can’t pay a Clearpay instalment?

If you can’t make a Clearpay bedding instalment on time, your account will immediately be frozen to restrict you from making further purchases using the service. You’ll then be giving until 11pm the following day to complete the payment before incurring a late fee.


If you’re not able to make the payment, you’ll incur an initial late fee of £6, with another £6 fee if the payment is still not made within seven days. If your order is £24 or more, late fees will be capped to 25% of the order value or £36 – whichever is less.


However, if you continue to fail to pay an instalment, Clearpay may pass the debt to a debt collection agency, which may restrict your ability to use Clearpay in the future.

When will my items be delivered if I use Clearpay?

Orders completed through Clearpay will be delivered in line with our standard delivery policy. This includes free shipping on all UK orders over £50.

Is there a limit to how much I can spend on a single Clearpay transaction?

Your Clearpay limit depends on your overall eligibility and how you use your account. For instance, a few factors that may impact the amount you can spend include:
  • The frequency in which you pay for orders using Clearpay
  • Whether you’re able to make payments on time
  • How late a payment is made
  • The frequency of late payments
  • How often orders are declined due to insufficient funds

Can I use another form of payment with Clearpay?

Yes! You can use other forms of payment alongside your Clearpay order, including gift cards and promotional codes.

How do I return or exchange an item purchased with Clearpay?

Orders completed using Clearpay follow our standard returns policy. When a refund has been processed, all outstanding Clearpay instalments will be cancelled, and any payments you’ve made will be returned to the registered card. Note: until Ethical Bedding has confirmed receipt of return, you’ll still be liable to continue making your Clearpay bedding payments.

Where can I find out more about Clearpay?

If you want to find out more about Clearpay, visit their website. There, you’ll find answers to the most commonly asked questions, as well as contact details to chat to a friendly advisor.

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