Clearpay

Clearpay – Shop Now, Pay Later with Learning Bugs

Introduction
We’re excited to offer Clearpay as a flexible way to shop at Learning Bugs. Clearpay lets you spread the cost of your order into four interest-free instalments – so you can bring home the toys your little ones love today and pay over time.

How Does Clearpay Work?

  • Choose Clearpay at checkout.

  • Pay 25% upfront – your first instalment is taken right away.

  • The remaining three payments are automatically taken every two weeks from your debit or credit card.

  • No interest, no hidden fees – as long as you pay on time.

Am I Eligible to Use Clearpay?
To use Clearpay you’ll need to:

  • Be 18 or older.

  • Have a valid UK billing address.

  • Have a valid debit or credit card.

Are There Any Fees?
Clearpay is completely free to use when payments are made on time.

  • If you miss a payment, a £6 late fee may apply.

  • A further £6 will be charged if the payment remains unpaid 7 days later.

  • Late fees are capped at £24 or 25% of the order value (whichever is lower).

Will Using Clearpay Affect My Credit Score?
Clearpay doesn’t currently report your payments to credit reference agencies – so paying on time won’t build your credit score, but missing payments also won’t leave a mark. However, Clearpay may pause your account if payments are missed, and future regulations will bring affordability checks for all BNPL services.

When Will My Order Be Shipped?
Just like any other Learning Bugs order – your items will be dispatched right away! There’s no need to wait until you’ve made all four payments.

Can I Pay Off My Clearpay Balance Early?
Absolutely. You can log into the Clearpay app or website anytime and pay off your instalments early – with no penalty.

Important Info to Remember

  • Always make sure you can cover your payments – missed instalments mean fees.

  • Spending limits start lower for new customers and grow as you build a positive payment history.

  • Clearpay is designed for responsible spending – use it wisely.

Shop with Clearpay Today
Pick the toys your little ones will treasure and spread the cost with Clearpay – interest-free and simple.

Lily, Ben, Mia, Max - Giggles & Grins a Story of Smiles & Sharing.

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