FAQ

Tonic has listened to its customers who wanted a flexible and easy to use system to spread the cost of larger purchased on its website. Tonic picked Clearpay for this function for several reasons:

1) There is no charge for using the service. Tonic pay the transaction fees and the customer can use the service at 0% interest and ZERO fees. We didnt want a service that would cost you any more than the basket price.

2) Clearpay is simple to apply for and does not leave a mark on your credit history. A soft search is done to determine eligibility which other lenders cannot see. As long as payments are made on time there is no effect on your credit score.

3) Clearpay's online system work seamlessly with the Tonic website and allow you to have a clear and easy overview of your payments and balance.

4) Clearpay is a market leader use with some of the largest retailers in the UK. Clearpays systems are industry leading and secure. Your clearpay account means you will be able to purchase on all the sites here: https://www.clearpay.co.uk/en-GB/categories/all-stores

Clearpay allows you to spread the payment of your purchase. If you think you may not be able to make the repayments on time then Clearpay may not be the best choice for you. late payments will result in extra charges and may effect your credit rating. If you can make the payments then its an easy way to spread the payments at no extra cost.

You can use Clearpay on any purchase over £10 on our website (does not apply via the app at the moment). Gift Cards and Subscription products are excluded.

A £6 late payment fee will be charged if funds are not available at the time the automatic payment is due

An additional £6 fee will be charged if the miss payment is not made within 7 days. Late fees will not exceed 25% of the total order.

If you think you may miss a payment please contact Clearpay immediately to discuss payment plans to to ensure your credit history is not effected. More details available here: https://help.clearpay.co.uk/hc/en-gb/articles/360026685811-What-happens-if-I-can-t-make-a-payment-

There are two exceptions where Clearpay cannot be used. Gift Cards and Subscription products can not be used with Clearpay. All other items can be paid for with Clearpay. You can also part pay your basked with other forms of payment and continue to use discount codes or gift cards to part pay for your basket.

Returns and refunds are handled in the same way as normal purchased. Please contact us before sending any product back. Tonic Studios will refund Clearpay and Clearpay will refund any amounts already paid to yourself. As soon as Clearpay have the funds refunded From Tonic Studios you will receive your refund payment.

Clearpay will perform a soft search to determine a decision. A soft search lets you check what credit you qualify for without affecting your credit score. The search it leaves on your credit file can't be seen by lenders, so won't affect their decision.

However please note that late payments and non payments can effect your credit score.

Clearpay will make a quick decision based on the information you have given. Clearpay use a soft search of your credit history to determine eligibility. Ask Clearpay look at the financial affordability they may reject an application if they feel it will not be repaid or will overstretch you. If you feel this decision is wrong please contact then using the information below. Please ensure your details are entered correctly as errors may effect the score and decision.