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 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.
Can I use Clearpay?
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.
If your basket amount is between £30 and £800, after any deductions, it should qualify for Clearpay. However, Clearpay will decide if you are eligible to pay by Clearpay. Unfortunately, we don’t offer Clearpay on baskets containing gift cards, e-gift cards, food, alcohol and on some furniture items.
Clearpay is not available for in-store purchases or phone orders.
Clearpay can be used in conjunction with gift cards, loyalty reward vouchers and valid promotion codes and coupons, but not debit or credit cards.
You can place more than one order using Clearpay as long as your payment is approved.
Where you use Clearpay, you will enter into two contracts, one with us for the supply of goods and/or services and one with Clearpay so that you can pay in instalments. The contract with Clearpay will be governed by their terms and conditions.
How do I pay with Clearpay?
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.
If you cannot make a payment, please contact Clearpay here.
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, at which time you will incur a late fee if you have not been able to make the payment. This will be an initial £6, then a further fee of £6 if the missed payment is not made within seven days. If your order is less than £24, the total late fee will be £6. If your order is £24 or more, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt-collection agency, and this may affect your ability to use Clearpay in the future.We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
When will my order be delivered if I use Clearpay?
The same delivery times apply regardless of how you pay. Visit Your Account, click here
How can I return an item paid for by Clearpay?
Click here for full details of our return instructions.
You can return any unwanted items paid for by Clearpay in any UK store including Simply Food, M&S Food and Outlet stores (but excluding hospital, airport, train station, BP and Moto stores). You can also return items by post Clearpay will be in touch and any outstanding payments in relation to the returned item(s) will be stopped. Clearpay will refund the card linked to your Clearpay account for the amount of any payments received in relation to the returned item(s) within 3-5 working days.
When will I get my refund?
Refunds will be processed by Clearpay 3-5 working days after we've received the item(s) back. Full details can be found online in your Clearpay account.
Can I exchange my item(s) with Clearpay?
While we are unable to directly offer an exchange on orders placed through Clearpay, you are able to return the item(s) for a refund and place a new order online.
Where can I find out more about Clearpay?
PayPal can be used to pay for all online orders (except baskets containing furniture items in the case of PayPal ‘Pay In 3’ instalments) – you just need to have an active PayPal account. You can use PayPal as part payment alongside gift cards and loyalty rewards vouchers and in conjunction with promotions and coupons. Unfortunately, you cannot use PayPal for in-store purchases or phone orders or to pay by PayPal ‘Pay In 3’ on mobile app orders.
When will my order be delivered if I use PayPal?
The same delivery times apply, regardless of how you pay. Visit the M&S ‘Your Account’ page, for more information.
How can I return an item paid for by PayPal?
Click here for full details of our return instructions.
You can return any unwanted items paid for using PayPal in any UK store including Simply Food, M&S Food and Outlet stores (but excluding hospital, airport, train station, BP and Moto stores). You can also return items by post. PayPal will be in touch and any outstanding payments in relation to the returned item(s) will be stopped. PayPal will refund the card linked to your PayPal account for the amount of any payments received in relation to the returned item(s).
When will I get my refund?
Refunds will be processed by PayPal after we’ve received the returned item(s). Full details can be found online in your PayPal account.
Can I exchange my item(s) with PayPal?
While we are unable to directly offer an exchange on orders placed through PayPal, you are able to return the item(s) for a refund and place a new order online.
How do I contact PayPal?
You can reach PayPal by visiting www.paypal.com/uk/smarthelp/contact-us. M&S is unable to answer any queries related to PayPal payments.
Can I use PayPal ‘Pay In 3’ instalments?
If your basket amount is between £30 and £2000, after any reductions, it should qualify for PayPal ‘Pay In 3’ instalments; however, PayPal will decide if you are eligible to pay by this method. Unfortunately, we don’t offer PayPal ‘Pay In 3’ on baskets containing furniture items or on mobile app orders.
Where you use PayPal ‘Pay In 3’, you will enter into two contracts, one with us for the supply of goods and/or services and one with PayPal so that you can pay in instalments. The contract with PayPal will be governed by their terms and conditions
How do I pay with PayPal ‘Pay In 3’?
Select PayPal as your payment method at checkout (excluding mobile app) and we’ll redirect you to PayPal’s website. You’ll need to complete a short registration form if you are a new PayPal customer. This will include providing PayPal with some details including your name, date of birth, address, e-mail and your debit or credit card details. You will also need to read and accept PayPal’s terms and conditions, in order to complete your order. If you are an existing PayPal customer, you just need to select and log in to your PayPal account on the M&S checkout page and accept PayPal’s terms and conditions to complete your order. You will receive an instant decision after some initial checks by PayPal, confirming if you are eligible to use ‘Pay In 3’ as a payment method. Please note that the login details for your PayPal account will be different from the login details which you use for your M&S online account.
If approved, payment for your item(s) will be taken in three equal interest-free* instalments. You’ll be required to make the first instalment when placing your order. The remaining balance is split into two equal payments that are automatically deducted from your PayPal account over the next two months on the same day of the month as the date of purchase (unless your payment is due on a date which doesn’t exist in that month, in which case the payment will be taken on the last day of that month). The amount owed will be adjusted for any returns. You can log in to your PayPal account, at any time to see the status of your payments.
If you do not make a payment in full by the due date, PayPal may report your failure to pay to credit reference agencies, which could affect your credit rating and make it more difficult for you to obtain credit in future. If you are experiencing financial difficulties, please contact PayPal. For more details, see PayPal’s full terms and conditions
Introducing the new way to pay online at M&S, through the website or app (excluding Gift Cards). As a Sparks customer, you can start using a Sparks Pay credit account today. Once your application is successful, we’ll add Sparks Pay to your payment methods so you can use it whenever you check out online. You’ll have access to service your account through M&S.com or the app, and we’ll also keep you updated with emails on your balance and statement
The Payment Services Directive is a set of EU laws and regulations designed to help protect online payments from fraud. In the next few months, a new update to these regulations called PSD2 will come into effect. The new update aims to make shopping online even safer, smarter and more secure. In line with the new legislation, some of the ways in which we handle online payments will change and you may occassionally need to validate your identity.
Yes, M&S provides an interest-free credit payment option so customers can spread out the cost of the payments for their new furniture. Our Interest-free credit is currently available online and from our furniture stores.
The following is offered:
*Loan amount is based on the value of the order after any discounts, offers or additional tenders have been applied.
Please visit https://www.creation.co.uk/about-us/terms-and-conditions for full terms and conditions
Select "interest-free credit" as your payment method at the M&S online checkout page.
We will redirect you to Creation's website, where you can apply for interest-free credit. If you successfully pass Creation’s credit checks and electronic signature process, your purchase will be completed and you will be redirected to the M&S online order confirmation page. Occasionally, additional checks may be required or an alternative signature process followed before we can complete your purchase.
To be eligible to apply for interest-free credit, you must meet the following criteria:
Our staff will happily take you through the process. Please remember to bring proof of identity, from one of the following:
If you meet the above criteria, you will be given the option to apply for and pay using interest-free credit (0.0%APR) on selected M&S products (furniture products), provided your total basket amount is between £500 and £10,000 (after any reductions, offers or discounts have been applied).
Interest-free credit cannot be used in conjunction with a gift card, e-gift card, loyalty rewards voucher or staff discount.
An interest-free credit option may be available when you shop online or in store, but not when you shop over the phone.
In most cases, Creation will provide you with a decision instantly.
There may be times when this isn’t possible and additional checks will be required in order to fully assess your application for interest-free credit. If this happens, you will receive an email from Creation with the result of your application, usually between 1-2 working days after applying. In most cases, you will be able to sign your loan agreement electronically immediately, or log into your Creation account online, using the details provided to you, to sign your loan agreement electronically at a later date. However, occasionally, Creation may have to post the loan agreement for you to sign and return to them. Creation will advise you of the process once your application has been accepted .You can find further information about your loan agreement at: https://www.creation.co.uk/help-centre/finance-agreement-faqs
We will only process your order once Creation confirms you have signed your loan agreement.
No, we don't accept deposits while paying by interest-free credit. There is no fee charged for arranging interest-free credit.
You can manage your loan online by logging into your Creation account: https://www.creation.co.uk/my-account/.
Here you can see your monthly repayments, outstanding balance and make early repayments.
You can choose to repay your loan by equal monthly payments over 12 or 24 months.
All payments made to Creation will appear on your bank statement.
Yes. You will go through the usual application process each time you apply.
Yes. You can cancel your order in accordance with the process set out under the ‘Your right to cancel’ section in the terms and conditions. If you cancel your order, we will let Creation know and your loan agreement will be cancelled.
Yes, see our returns and refunds for full details of our return policy. If you return any item(s) with a total value of £250 or less, the balance on your account will be updated. The amount of your monthly repayment will stay the same, but the term will end as soon as the revised balance has been paid. A receipt for such adjustments can be issued on request. If you return any item(s) which have a total value greater than £250 or greater than 50% of your the agreement total or outstanding balance, then your loan will be cancelled, and a new loan application will be processed.
No. We don’t offer exchanges on items bought using interest-free credit.
Marks and Spencer plc is acting as a credit broker and not a lender. Creation Consumer Finance Limited (Creation) is the lender. Creation is authorized and regulated by the Financial Conduct Authority under firm reference number 311518.If accepted for credit, you will enter into a loan agreement with Creation for the provision of the interest-free credit.
You can contact Creation by telephone 03448 797 214 (please choose option-2 for customer services) or by email email@example.com.
Please note: when paying by gift card, you may also be asked to enter your credit or debit card details. This is to prove you are over 18 and to make up the difference if there are insufficient funds on your gift card.
The minimum and maximum activation amounts are as follows:
Minimum activation amount
Maximum activation amount
Gift cards purchased online at marksandspencer.com
E-Gift cards purchased online at marksandspencer.com/ie
Gift cards purchased in store
Gift cards purchased in ROI stores
Period of validity
Any remaining balance will be cancelled on expiry of the validity period.
Balance enquiries can be obtained online or by calling 0333 014 8777 for the UK and Channel Islands (local rates apply) or 01556 9243 for ROI (mobile rates may vary).
Should be treated as cash; they are not cheque guarantee, credit or charge cards. M&S will not accept liability for lost, stolen or damaged cards.
Gift cards purchased in ROI and Channel Islands
Changes to the Gift Card Terms and Conditions
M&S reserves the right to amend the terms and conditions of gift cards and e-gift cards at any time and to take appropriate action, including the cancellation of the card, if, in its discretion, it deems such action necessary. This does not affect your statutory rights.
Please check the terms and conditions of the promotion codes you wish to use to see if they can be used in conjunction with other offers.
We’re sorry you're having problems with one of our promotion codes. Please check the following:
The code: some codes contain a mix of numbers and letters that can look quite similar. If you’ve been emailed a code, it might be worth trying to copy and paste it rather than typing it. Please also note that any hyphens included in your promotion code, eg. XXXX-XXXX, must also be entered when adding the code.
Expiry date: the code you’re trying to use might have expired. Please check the date in the terms and conditions of the offer.
Eligible items: you may be trying to order items that aren’t included in the specific offer or you might not be able to use it in conjunction with other offers. Please check the terms and conditions of the offer.
Unique codes: some offers, such as 10% off and bonus loyalty points, can only be used once. It may be that this promotion code has already been used.
International codes: for codes exclusively for our international customers, you must enter your promotion code after entering your international shipping address at the checkout. If you have an international billing address but are shipping to the UK, the offers are usually rendered invalid.
We have a dedicated website for some countries where you can use your promotion code. At the top of the screen you’ll find a flag of the UK – to select an International site just click the flag and then you’ll be able to choose the correct site to redeem your offer.
If you’ve received an email with a promotion code relating to one of these sites, you won’t be able to use this code on our UK site.
Reward vouchers: reward vouchers are different from promotion codes so are entered differently. To use a reward voucher, follow these steps:
The value of the voucher will then be deducted from your total.
Please note: if you don’t redeem the full value of your voucher, you’ll lose the remaining credit.
Gift cards and e-gift cards can be used online at https://www.marksandspencer.com and in all M&S stores in the UK, Republic of Ireland and the Channel Islands. This includes Outlets, Simply Food and Moto service station, hospital, airport and train station stores and M&S cafés, but excludes BP Connect stores and international stores. Please note there is a limit of 10 gift cards per transaction online. To pay for made-to-order curtains with a gift card, they must be purchased in store. You will not be able to use a gift card to pay for made-to-order curtains purchased online.
If you buy a gift card in the Channel Islands or Republic of Ireland, you can spend it in our UK stores. These gift cards will not be accepted online.
Your gift card or e-gift card PIN is a four or five-digit number.
For gift cards you'll find the PIN on the back of the card under the scratch-off panel. Please take care when scratching off the panel, as damaged cards will not be accepted. Attempting to peel the panel off will destroy the PIN.
For e-gift cards, the PIN is featured on the PDF e-gift card attachment.
If your gift card was bought in store, you’ll find the balance on the gift receipt that came with your card. If it was bought online, the balance will be printed inside the presentation card behind your gift card.
You can also check your gift card balance here. Alternatively your gift card/e-gift card can be scanned at the till in store.
Gift cards and e-gift cards are valid for 48 months from the last transaction (which includes the initial card load, adding or spending funds, or balance enquiries). Gift cards and e-gift cards issued in the Republic of Ireland are valid for 60 months from the last transaction.
Please look after your gift card, because we cannot accept liability for lost, stolen or damaged cards.