Write a review

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (22347 reviews)

View other PayPal products

4.93

Based on 22,347 reviews, last reviewed 27th Jul 2025

222500% 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

Excellent and highly recommended Excellent and highly recommended Reviewed on: 27th July 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 (22347)

Great service, quick, reliable and easy.

Great service, quick, reliable and easy. Reviewed on: 12th June 2024

The staff can be very good when you speak to the rig...

The staff can be very good when you speak to the right one. Reviewed on: 12th June 2024

Makes life a little easier

Never had a problem and it makes life a little easier paying for expensive items Reviewed on: 12th June 2024

Pay in 3 - super helpful, easy and free (of charge)

Really useful to be able to spread payments over three months (for no charge, yay!) to help with cash flow. I use it often but especially at Christmas when it's helpful for funds to go a little further. It's great that it's so quick and easy, there's no messing around with application forms etc and I get reminders about upcoming payments. It's still really important to me to budget carefully and remember not to overstretch myself financially as it can be easy to forget future payments at times. I put an additional reminder in my phone calendar a couple of days ahead to make sure I don't lose track. Overall it's a great and really helpful facility. Reviewed on: 12th June 2024

Simple but effective

Easy to navigate and real simple to get a hang off. Gives you what you need in one place Reviewed on: 12th June 2024

Great option when needed!

I have really enjoyed using this service. It has made paying arge amounts for products/services really easy and stress free. Being able to slowly pay things off over 3 chunks has been so convenient and allows me to continue enjoying life's little luxuries without major sacrifices . I will definitely use this service in the future! Reviewed on: 12th June 2024

Pay in 3 is a great way to spread the costs

Pay in 3 is a great way to spread the cost at affordable rates and pay over time. I love pay in 3 would recommend to everyone. Reviewed on: 12th June 2024

I have been using PayPal to pay most of my eBay purc...

I have been using PayPal to pay most of my eBay purchases as I don’t like to put my credit card info there and it has been fantastic for that. I am glad I have PayPal credit available to help me in this high inflation time in the U.K. hopefully the ukraine war ended soon and the energy bills can come down again. Reviewed on: 12th June 2024

It has made my transactions seamless.

It has made my transactions seamless.I have been able tonpay for my purchases conveniently. Reviewed on: 12th June 2024

Prompt refund challenge clarified

Got an undelivered item refund cleared very quickly. Common sense applied by PP. Reviewed on: 12th June 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 (discontinued)
from Laybuy (inactive company) 1.74 from 34 reviews
Buy Now Pay Later
from Etika 4.78 from 663 reviews
Retail finance
from PayItMonthly 4.88 from 186 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.91 from 50806 reviews
Payment Provider
from PayPal 4.91 from 3600 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