Clearpay Debt Help & Advice
Get advice for Clearpay buy now pay later (BNPL) debts and get mental well-being assistance with our IVA, debt management and relief plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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100% FREE ADVICE
Get information today on your available options
Struggling To Keep Up With Clearpay Debt? We Can Help
Worried about falling behind on Clearpay payments? We help people take back control with clear advice, calm support, and practical debt solutions that fit real-life situations.
Buy Now Pay Later services like Clearpay can feel manageable at first — until payments stack up or your income takes a hit. If you’re missing payments or concerned about debt collection, it’s important to act early.
At PennyPlan, we speak to people facing the same worries every day. Whether you’ve missed a single payment or are already in arrears, we’ll help you understand your rights and the steps you can take to regain control. There’s no judgment. Just honest, practical advice to get you back on track.
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What Happens If You Don’t Pay Clearpay?
Clearpay may send reminders, apply late fees, and eventually restrict your account if payments aren’t made. If the debt remains unpaid, it could be passed to a third-party collection agency.
This doesn’t mean bailiffs or court action straight away, but it can affect your credit score and increase the pressure. If you’re already hearing from debt collectors, or worried about it happening, the best thing to do is get help early.
We’ll explain what you can expect, how to respond, and what options are open to you, so you don’t have to navigate it alone.
We Help With Most Debts - Not Just Clearpay!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Paying Off Clearpay: What You Can Do Now?
If you’re behind on Clearpay payments, you may be able to contact them directly to request a payment plan. Taking action early can help avoid extra fees and stop the debt from being passed to collectors.
If you’re also managing other debts or feeling like things are getting out of control, a structured debt solution could be a better fit. This might include a Debt Management Plan (DMP), an Individual Voluntary Arrangement (IVA), or a Debt Relief Order (DRO), depending on your financial situation.
Our advisors will talk you through what each option involves, help you weigh it up properly, and support you in finding a plan that gives you breathing room.
How Could A Clearpay Debt Repayment Plan Work
Understanding the options available to deal with Clearpay debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some Clearpay debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Clearpay Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
100% FREE ADVICE
Get information today on your available options
Get Clearpay Debt Help Today
You don’t have to deal with Clearpay debt alone. Our friendly advisors are here to listen, understand what’s going on, and help you find a way forward without pressure or judgment.
We’ll talk you through your options, check if you qualify for a debt solution, and give you the support you need to feel more in control again.
Start getting your finances back on track and speak to a member of our team today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Clearpay Debt FAQs
Yes, Clearpay may offer a hardship plan if you let them know you’re struggling. But if that’s not enough, we can help you explore wider debt solutions that might give you more breathing room.
Missed payments can lead to late fees, account restrictions, and eventually, your debt being passed to a collection agency. This could affect your credit file. It’s best to act early and explore your options.
Legal action is rare but not impossible. Debts may be sold to third-party collectors, who could pursue further action. Getting advice early helps you avoid escalation.
Yes. Missed payments can show up on your credit report and stay there for up to six years. Getting a plan in place quickly can help limit the damage.
In some cases, debt becomes statute-barred after six years, but this depends on specific legal conditions. It’s not something to rely on. We’re happy to explain how it works.
It’s unlikely. Debt collectors usually contact you by phone, email, or letter. If you do get a visit, it must follow strict rules. We can help you set boundaries and handle the situation calmly.
