First, let’s explain your spend limit.
Your 'spend limit' is the maximum amount you've been approved to spend with Clearpay. This amount can increase and decrease.
Just as various factors may decrease your spend limit, a positive payment history may increase it.
Factors that may influence your spend limit:
- Making payments on time: Your payment history of making payments on time with Clearpay.
- Tenure since first order: The length of time since your first order with Clearpay.
- Frequency of orders: How often you place orders using Clearpay.
- Insufficient funds: How often orders are declined from your linked payment method.
- Information from your credit report: From 1st October 2025, if you apply to join Clearpay we’ll use information from your credit report to help guide your starting spend limit. However, future limit assessments will not be based on the information in your credit report.
Looking to put a cap on what you can spend with Clearpay?
Stay on top of your spending by placing a spend cap with just a few simple taps in the Clearpay app. Simply head to Settings in the My Clearpay tab and select Spend cap. You can enter in an amount that is below your maximum spend limit, with a minimum of £100. Click here to learn more about the spend cap feature.
What is 'Available to spend'?
Your ‘Available to spend’ is the estimated amount you can spend using Pay it in 4 on your Clearpay account, which you can view in the app. It takes into account your spend limit, spend cap settings, open Order Amounts and unpaid fees.
For more information on spend cap click here.
Why has my order been declined when I have enough ‘Available to spend’?
We assess each order in real time, and may decline an order even if it's within your estimated ‘Available to spend’ that you can see in the app. You can learn more about why your order may have been declined here.