Clear
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01 Members

Credit that gets cheaper the longer you hold it.

Every other lender writes you a loan and hopes you keep needing one. Clear is built so your third year costs less than your first, because by then you are borrowing against your own savings.

Your deposit is your share.

  • No membership fee
  • Nothing to buy
  • Your equity savings account is what makes you a member-owner
  • One member, one vote, regardless of balance

02 Draw order

One balance, drawn cheapest first.

You do not choose a product. You spend, and the line takes from the cheapest thing backing you before it touches anything expensive.

01 · free

Your own savings

Fully backed by money you already have. Borrowing against it costs nothing and cannot produce a loss.

02 · lowest paid rate

Bonds and pool shares you hold

Held at a discount to what they are worth today. You keep the position and it matures in full.

03 · mid

Your income

Sized on the income landing in your accounts. It grows as your income holds and plans clear on time.

04 · highest

Clear Boost™

Genuinely unsecured, opt-in, and small on purpose. The tier that replaces a payday loan.

Repayment runs the other way.

The most expensive part unwinds first, so the numbers work in your favour without you managing it.

Every rate is on the screen where you take it.

You see it before you take it. Cost accrues on what you still owe, so clearing early always costs less, and nothing compounds.

03 Term plans

A tire repair and a house sit on the same shelf.

One limit across every shop you use, so what you owe in total is a number you can always see.

Partner credit
2% a cycle

Financing at a Clear shop. Needs a linked bank account. Paid by QR code, never a card swipe.

Clear Cash™
2.5% a cycle

Cash to your account rather than a spending line. Unlocks after six clean cycles. This is the personal loan, without the personal loan.

Your home — outside this limit
set at signing

The Equity-Lease Participation Agreement. Unlocks at 15,000 equity credits, and it is backed by the house itself, not by your limit.

Each rung asks for something real.

  • A linked bank account
  • Six clean cycles
  • 15,000 saved equity credits

You can see the locked ones and what they would cost from your first day.

You can hold several plans. You cannot hold several limits.

Five stores usually means five ceilings and a hidden total. Here there is one ceiling: with $2,000, four $500 plans fit. $2,500 does not.

The ELPA is the Equity-Lease Participation Agreement. It puts the house in your name while the land underneath stays common.

04 You pick the split

You choose how to clear it, and you can change your mind.

Spreading it further costs more, and the screen says so in dollars rather than hiding it in a rate.

At the counter you pick a split. Later that week, or three cycles in, you can pick a different one.

Balance at Mike’s Tire

$940.00

4 payments of $246.75

Each cycle
$246.75
Carry this cycle
$18.80
Carry over the plan
$47.00
Total
$987.00
Done by
January 2027

2% a cycle on what you still owe

Clearing early always costs less.

05 Savings

Saving is the thing that changes your terms.

Every dollar you save is matched one-for-one in equity credits, and raises your credit limit by a dollar.

1:1

Matched in equity credits, dollar for dollar

36 mo

The match runs for the first thirty-six months of saving

$1,500

The most that is matched in any one month

~30 days

Before credits vest — the number tracks money that arrived and stayed

The gate

15,000

credits unlocks your Equity-Lease Participation Agreement and your Clear Deed. Most first-cohort members are expected to reach it in twelve to eighteen months.

Drawing on savings

A pause, not a penalty.

New credits stop accruing while you are drawn against. The ones you have already earned are never taken back, and the app says so.

While you live there

You borrow, not withdraw.

Contributions are not withdrawable while you live in a Clear home. They come out on conversion or exit.

What we do not do

  • No late fees

    ever

  • No compounding

    the balance never grows on its own

  • No credit-score pull

    to approve a first plan

  • No shopping app

    competing with the shops you use

06 The cycle

Every thirty days, one number.

A cycle closes, the balance rebalances, and you are told where you stand in one line.

You are short this cycle
repay

The only state that asks anything of you.

Your deposit covers it
repay early

Nothing is required. Clearing early still costs less.

You are carrying only your own savings
top off

Nothing is owed. But drawing on your savings pauses your progress toward a home, which is the reason to top it back up.

Nothing carried
all clear

The one that says everything is at zero.

Nothing is hidden behind a statement.

Nothing accrues while you are not looking, and there is no document to open later to find out what changed.

Top off is not repay.

In the third state nothing is owed, but progress is paused. The verb is top off because you are spending your own money, not servicing a debt.

07 The comparison

The honest version of the comparison.

Including the part where they beat us.

Klarna’s best outcome for you

You owenothing.

Then you are back where you started, and their app is trying to sell you something else.

Ours

You ownsomething.

The waterfall is designed to move you from borrowing to spending your own money.

Their advantage we cannot match
one tap

Klarna is a single tap at checkout. Your first Clear transaction asks for a membership and a linked account, and takes about three minutes.

What happens after that
no application

You sign up once, not once per shop. Every later purchase anywhere in the network is just your existing line.