Write a review

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (22271 reviews)

View other PayPal products

4.93

Based on 22,271 reviews, last reviewed 30th Jun 2025

215500% increase in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Pay in 3 is awesome! Pay in 3 is perfect for those times you dont want to pay as much but not pay interest! It's easy and fast to set up with no hassle at all. Also great ... Read more Reviewed on: 30th June 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 Write a 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.

Review PayPal: Pay in 3 now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal Pay in 3 reviews (22271)

Inconvenience and issues

I use the option alot, the only downfall I can see is that even though my payment is pending its very very slow for the funds or credit to reflect on to ,y account which let's say, I have £200 credit available but I need to pay for something which is £230, well I would need to wait a few days before I can use that fund if I put a £40 pound pay,ent just so I can get what I want. But second time now it's happened to me where I missed out on the deal for being a day or 2 late as its not instant. Maybe loyal customers should get some perks? Reviewed on: 14th May 2024

It help buy and pay for sevices in a convenient...

It help buy and pay for sevices in a convenient way Reviewed on: 14th May 2024

Good service and low or even sometimes no interest

Good service and low or even sometimes no interest Reviewed on: 14th May 2024

Pay in 3

Very useful and easy to use, perfect service Reviewed on: 14th May 2024

Pay in 3 has enabled me to make my money go further...

Pay in 3 has enabled me to make my money go further and as a very short term 'loan' it's soon paid off. It's helped me at a time when finances have been tight as my mortgage and energy bills have risen. Reviewed on: 14th May 2024

Pay in 3 is simple, easy and effective.

Pay in 3 is an excellent way of splitting the cost of a purchase. It's really easy to set up with just the click of a few buttons. I love the fact that you're signing up to a commited payment schedule over three months which means it's easier to manage the repayments. A simple direct debit process means you can't forget to pay the bill on time and the installments mean you're not tempted to let it sit building interest on your account. Reviewed on: 14th May 2024

Easiest way to pay

Easiest way to pay with great interest free options I use PayPal often (wherever I can really) because of the convenience it offers and the option to delay payment for 4 months. The offering of credit it also very reasonable. Reviewed on: 14th May 2024

Been easy to get paid and also split the cost of pay...

Been easy to get paid and also split the cost of payments without interest Reviewed on: 14th May 2024

Would be lost without pay in 3 now days

Would be lost without pay in 3 now days Reviewed on: 14th May 2024

I use PayPal and pay in three all the time when avai...

I use PayPal and pay in three all the time when available and always had a smooth experience and no problems Reviewed on: 14th May 2024

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

Buy Now Pay Later
from Duologi 4.64 from 14 reviews
Buy Now Pay Later
from Klarna 4.85 from 539 reviews
Retail Finance
from PayItMonthly 4.88 from 182 reviews

Want to see more from PayPal?

Payment Provider
from PayPal 4.92 from 3599 reviews
PayPal Credit
from PayPal 4.91 from 50770 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