At The Rowan Tree, we understand that life’s biggest moments - those landmark birthdays, the flurry of wedding gifts, or the joy (and expense!) of Christmas morning - often require a little extra planning. Finding that perfect, meaningful gift shouldn't mean stressing your budget all at once.
That's why we teamed up with Clearpay: to give you a simple, interest-free way to spread the cost of those big occasion purchases, making your life a little easier and your gifting a lot more joyful.
Stop Stressing, Start Splitting: The Power of Pay in 4
Clearpay isn't a traditional loan; it's a flexible way to manage your cash flow, perfect for when you need a special item now but want to pay for it over your next few paycheques.
Here’s how our partnership works to make those special occasions affordable:
1. The Instant Budget Boost
When you pick out that gorgeous piece of jewellery or that high-quality homeware item for a milestone gift, you don’t have to pay the full price upfront. With Clearpay, you simply pay the first 25% of the total purchase immediately at checkout.
This helps you get that perfect item locked in, while only needing a small amount of cash on hand.
2. Get Your Gift Straight Away
The best part? Once that first payment is made, we process your order immediately. The Rowan Tree ships your goods straight away.
Whether you’re racing against the clock for a birthday or want to get ahead of the Christmas rush, there's no waiting. You can wrap it, present it, and enjoy the moment without delay.
3. Four Payments, Six Weeks, Zero Interest
The remaining balance is automatically split into three more payments, scheduled every two weeks (fortnightly), for a total repayment cycle of six weeks.
This timing is designed to line up easily with most people's pay cycles, ensuring your budget stays balanced.
Crucially, Clearpay is always interest-free when you make your payments on time. This zero-interest model means the price you see for the gift is the price you pay - no hidden revolving charges or fees.
A Fairer Way to Budget for Big Events
Many of our customers tell us that the instalment payment option helps them with budgeting in general, allowing them to time their purchases better for upcoming events.
It’s particularly useful for those higher-value purchases where spreading the cost simply offers more breathing room.
We want you to use Clearpay confidently and responsibly, which is why we value their commitment to fairness:
- No Nasties: As long as you stick to the payment schedule, you will never pay anything extra.
- Capped Penalties: Clearpay only charges a fee if you miss a payment. Even then, late fees are capped at a low level to prevent them from becoming overwhelming. If you miss a payment, your account is immediately paused, preventing you from accruing new debt until the balance is settled.
Next time you’re shopping for a significant gift at The Rowan Tree, look for the Clearpay option at checkout. It's our way of helping you deliver the perfect present without sacrificing your peace of mind.
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