Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 22,010 reviews, last reviewed 27th Jun 2025
190700% increase in 5 star reviews
in the past 90 days
500% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
4%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Third down and no interest Pay in 3 I find a great help sometimes a bargain might turn up and you haven’t got enough funds so just pay a third up front and you’ve got you’re ite... Read more Reviewed on: 27th June 2025
Lester Garnett's avatar
Lester Garnett

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
A K's avatar
A K

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 (22010)

Great service

5
Pay in 3 is a very convenient, cost effective way of paying. PayPal provide excellent communications advising customer of payments due. Reviewed on: 27th June 2025

Makes the expensive items that bit easier to buy.

5
Pay in three is a terrific way to buy the big items without putting all the money out in one month. Spreading it over three makes it much more affordable. I really like that they remind you before a payment is due too. Reviewed on: 27th June 2025

very useful but I still have reservations about PayPal.

4
I find to pay in three usually helpful, especially because it means I can spread the payment of an item across a couple of months, even when I have the funds to pay it entirely – obviously helps with cash flow and his particularly useful for my business, although I am restricted now to only using a personal account. The reason for less stars is because Paypal isn’t entirely reliable or trustworthy, unfortunately as I found out with my business account, which has been suspended without any good reason – I have been able to get the funds out of the account (I install kitchens and bathrooms - hardly a dodgy business) but I’m not allowed to use my business name or my business account or anything at all associated with the business with any PayPal business account in the future – no recourse to speak to a human and no idea what I did wrong, if anything – it’s obviously tainted my experience of PayPal, which otherwise is incredibly useful. Reviewed on: 27th June 2025

Easy to manage and always a 1st class service.

5
Easy to manage and always a 1st class service. I am always kept up to date with payments taken in advance which is excellent. Quick and easy to use. Reviewed on: 27th June 2025

Using payment in 3 stages is really useful for bigge...

5
Using payment in 3 stages is really useful for bigger purchases. It's easy and with no interest it provides peace of mind. Reviewed on: 27th June 2025

Fantastic Experience with PayPal Pay in 3!

5
I just wanted to share my wonderful experience using PayPal Pay in 3. As a happy consumer, I found the entire process incredibly smooth and user-friendly. Setting it up was a breeze, with clear instructions and a straightforward interface that made everything hassle-free. What I absolutely love about PayPal Pay in 3 is the flexibility it offers. Breaking down payments into three manageable parts has been a game-changer for my budgeting. It allowed me to make purchases I needed without feeling the financial strain all at once. The notifications and reminders are also really helpful, ensuring I never miss a payment while giving me peace of mind. Plus, there were no hidden fees, and everything was transparently laid out from the start. Overall, I highly recommend PayPal Pay in 3 to anyone looking for a convenient and reliable payment solution. It’s truly been a fantastic addition to my financial toolkit. Thank you, PayPal, for making shopping even more enjoyable! Reviewed on: 27th June 2025

Straightforward and useful - great for budgeting

5
Straightforward and useful - great for budgeting Reviewed on: 27th June 2025

Very helpful

5
Never had a problem, helped with non received items, fast. Reviewed on: 27th June 2025

PayPal 3

4
Efficient service with no apr . The admin is done git you and there are no dates to remember as automatic Reviewed on: 27th June 2025

I specifically use PayPal for the protection it shou...

4
I specifically use PayPal for the protection it should give me. Unfortunately when I needed it most I was let down. It has taken court proceedings to get a refund for a pair of trainers which were lost in the mail. Reviewed on: 27th 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

Want to see more from PayPal?

  • Payment Provider

    from PayPal 4.92 from 3599 reviews
    PayPal
  • PayPal Credit

    from PayPal 4.91 from 50757 reviews
    PayPal
    View all products