I’ve been with Clearpay for a long time and they have so many wonderful benefits. One of my favourites is the ability to pay in 4 instalments with NO interest. I don’t have to use my card and worry that I will get scammed (which has occurred) if it’s the middle of the month, money is slightly tight but you find a bargain. This is the app. They have a variety of shops from apple to zebra clothing, fills the alphabet. I am so thrilled with this app and if you miss a payment because you bank card has changed or an unexpected account is taken out. They alert you and no charges if you pay within a limited time period. It really is a great app, it’s protects my bank and gives me what I need from A to Z. I honestly love it and encourage you to use it if you can’t pay for everything upfront. Happy shopping.