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PayPal: Pay in 3 reviews

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

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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

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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.

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PayPal Pay in 3 reviews (22350)

Pay in three is great!

Pay in three is great! It’s very helpful for spreading payments so that they are more manageable, particularly on a tighter budget! Great for larger purchases that are necessary but need to be spread as to not make you completely broke! If it could add to a credit score that would be perfect, but otherwise a great service! Reviewed on: 17th June 2024

It’s great.

It’s great. The opportunity to pay in 3 instalments helped me many times Reviewed on: 17th June 2024

Perfect service

Never had any problems always been perfect Reviewed on: 17th June 2024

Straight forward and easy to understand.

Straight forward and easy to understand. Using the pay in 3 helps spread the cost of purchases over a set period allowing you to purchase things even if you don’t have the full amount at the time. Having a determined amount each month to repay lets you plan your finances for that given month and there are never any surprises! Reviewed on: 17th June 2024

Perfect!

Perfect for this cost of living crisis, always really reliable. Reviewed on: 17th June 2024

Much better Pay in 3 options out there

There are much better alternatives to Paypal pay in 3 imo. Reasons: No clarity around eligibility rules (sometimes you’re eligible, sometimes not, if you’re rejected it’ll then ban you for an indefinite amount of time - customer service cannot tell you any more). Exchange rates are terrible. If your card declines for some reason, it’ll then ban you from pay in 3 for an undefined length of time (even if your card is now fully working). Terrible customer service - very very long wait times on the phone, and agents have very little access to information so can’t help much. Overall I’d only use paypal pay in 3 as a last resort (one upside is that most places take them, though often you can create a “one-time card” in klarna for places that don’t have it listed as a payment option, takes slightly longer though). Reviewed on: 17th June 2024

It's a very straightforward service and has allowed...

It's a very straightforward service and has allowed me to spread out larger payments making them more affordable for me. I like the fact that I have clear deadlines so I know when the payments are coming up, which helps me be prepared. Reviewed on: 17th June 2024

Really helped me afford things, very useful.

Really helped me afford things, very useful. Reviewed on: 17th June 2024

Makes payment easy and convenient

Makes payment easy and convenient Reviewed on: 17th June 2024

Very useful and efficient way of paying.

Very useful and efficient way of paying. Reviewed on: 17th June 2024

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