ClearPay is basically Afterpay but for UK residents. In-order to be eligible for the ClearPay service, applicants are required to be UK citizens of at least 18 years of age with a verifiable and valid ID.
In addition, one should also possess a valid UK bank card, phone number as well as a functional email address.
To use the clearpay service, simply shop via the ClearPay affiliated online retailers across the UK and at checkout, choose Clearpay as the payment option.
As part of the approval process, Clearpay usually conducts a credit check amidst other assessment factors such as duration of being a clearpay user as well as repayment history.
Once approved, you are required to make a deposit which will serve as the first payment at the time you make the purchase with Clearpay while the balance to be repaid within a duration of 6 weeks via deductions made after every 2 weeks.
To get started with clearpay, you can download the clearpay app from the Playstore or Applestore or through the Clearpay website.
DivideBuy is offered by Rematch Credit Limited. To be eligible for DivideBuy, applicants must be aged between 18 and 99 years old, be a permanent UK resident in addition to possessing an active credit/debit card and a valid UK telephone number.
To use DivideBuy, simply complete a purchase through one of Dividebuy’s accredited retail partners and select DivideBuy as your payment method.
Before approval can be made, Dividebuy performs a credit check which uses a combination of one’s credit score, the details entered and a unique credit algorithm to look at one’s current ability to repay.
Upon approval, a deposit is required to complete the order while the rest of the balance to be repaid within a duration of 2-12 months.
To get started, sign up through the DivideBuy website.
Flava is provided by Flava supermarket Ltd. It is different from the other Buy Now, Pay Later apps in this list in that it largely deals in supermarket groceries.
To be eligible for the Flava service, applicants are only required to be UK residents with a valid debit/credit card.
Flava offers a £100 Credit limit with no credit checks to be repaid in 1-4 weekly installments.
To get started with Flava, create your account through the Flava website.
Fly Now, Pay later
Fly Now, Pay later is offered by Pay Later Group Limited. It provides the option of booking a flight without paying for it in advance. Fly Now, Pay Later does not conduct any credit checks and requires no initial deposits.
Fly Now, Pay later offers credits of between £100-£3000 to be repaid in monthly installments over duration 1-12 months.
To get started, download the Fly Now, Pay later app from the Playstore or Appstore, set up your account and start looking for your next trip.
Klarna is a product provided by Klarna Bank AB (publ).
My Argos Card
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