Write a review

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (22350 reviews)

View other PayPal products

4.93

Based on 22,350 reviews, last reviewed 25th Aug 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Never had an issue with PayPal, it always does what... Never had an issue with PayPal, it always does what I want it to do. Reviewed on: 25th August 2025

Latest lowest rating:

1

Poor service wrapped in slogans Its poor, it is almost impossible to know if having a pay in three running then what happen if you take another credit and the payment of that credit ... Read more Reviewed on: 27th June 2025

Read all reviews See your review

About this product

PayPal Pay in 3 is an interest-free payment option that spreads the cost over three payments.

Pay in 3 is available at checkout for eligible purchases between £30 and £2,000, with no fees or interest added. The total amount is divided into three equal payments, due every 30 days.

PayPal Pay in 3 reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal Pay in 3 reviews (22350)

Review of the PayPal, Pay in 3:

Paypal Credit - genuinely is great service!

Paypal credit allows me to buy, try and return or keep before I have to pay out money in case the goods don't suit/fit, don't work or are just plain unsuitable. It is a great service and I use it regularly now for about 4 or more years. In these days of online shopping i feel so much safe using paypal credit than any store cards etc. Any issues (maybe 2 in whole time) have been resolved quickly by friendly online or on the phone staff. Paypal credit is honestly a great service and one I would honestly be lost without in my life now! My husband was told just before the weekend he needed to buy new tools for work or be laid off today. They wouldn't be providing these expensive tools even though he is an employee and not paid SC60. Initial panic set in, but then with Paypal credit we were able to buy them today and spread the cost. So there's a genuine checkable example of how much it has genuinely helped my family and I. Reviewed on: 19th May 2024

Highlight when pay in 3 is available

Great experience. Hovever often unable to see if pay in 3 is available untill the final stage of checkout Reviewed on: 30th June 2025

Fabulous

Allows me to split payments, no problems with money taken or dates. Keep you informed well. Fabulous Reviewed on: 30th June 2025

When it works its great when it fails to work its di...

When it works its great when it fails to work its disappointing, the app says you have the credit available but then wouldn't work when paying for a holiday. Caused several issues & a lot of frustration. Reviewed on: 30th June 2025

PayPal pay in 3

Pay in 3 is good that it helps spread the cost within short 3 times (not too long to become bad habit) also in these scammers days, PayPal made me feel safer. Reviewed on: 30th June 2025

Excellent

Много е хубаво, в днешно време, когато има недостиг на пари. Reviewed on: 30th June 2025

Great deal !

Easy to setup and great flexibility Reviewed on: 30th June 2025

Interest free and great service

I have purchased many item with the pay in 3 which is so easy and interest free it stops you getting into debt but allows u a treat whilst money can be tight. Reviewed on: 30th June 2025

Great service.

Really happy with this service . It just helps spreading the cost over the 3 months . Much better than paying it all at once easier to budget your money. Reviewed on: 30th June 2025

Smooth and stress-free way to split payments.

PayPal Pay in 3 has been a really handy tool for managing purchases without having to pay everything upfront. The approval process is quick, and I like that they send a clear reminder before each instalment—definitely helps with staying on top of payments. The fact that it’s interest-free makes it even better, and everything runs automatically so you don’t have to worry about missing a payment. I haven’t had any issues so far, and I’d definitely use it again for bigger purchases that I want to break down into manageable chunks. Reviewed on: 30th June 2025

I feel safe using Paypal

I feel safe using Paypal and use them whenever there is an option. The 3 easy payments are easy and no interest charges. PayPal keeps me upto date with changes to policy. Emails are never too frequent unlike some companies. Reviewed on: 30th June 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

next 3step
from Next 3.43 from 4 reviews
Buy now pay later
from Payl8r 4.89 from 4220 reviews
Retail finance
from PayItMonthly 4.88 from 186 reviews

Want to see more from PayPal?

Payment Provider
from PayPal 4.92 from 3599 reviews
PayPal Credit
from PayPal 4.91 from 50806 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub