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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (97443 reviews)

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4.76

Based on 96,837 reviews, last reviewed 10th Jul 2026

507% increase in 5 star reviews

in the past 90 days

450% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

I like the Pay in 3 option. I like the Pay in 3 option. I know my details are secure, there is no exorbitant interest fee, and I get notification when the payment is due. Reviewed on: 10th July 2026

Latest lowest rating:

2

New account difficulty I can’t create an account and there’s no help button I’ve downloaded the app and tried to sign up and now I’m lost here, plz help Reviewed on: 10th July 2026

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About this product

PayPal Pay in 3 is a Buy Now, Pay Later option that lets eligible UK customers split the cost of an online purchase into three interest-free instalments.

There are no interest, setup or late fees for eligible purchases, and eligible transactions are covered by PayPal Buyer Protection.

PayPal 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 (97462)

PayPal experience

Always been easy and safe to use regardless of paying or receiving money refunds are very simple. Reviewed on: 9th July 2026

I have been using PayPal for more than 5 years it's...

I have been using PayPal for more than 5 years it's helped me a lot with managing money Reviewed on: 9th July 2026

Its been so easy to use with payments

Its been so easy to use with payments Reviewed on: 9th July 2026

Every question I have, gets answered in a way I unde...

Every question I have, gets answered in a way I understand and with patience. I’ve been with them for years and I love that I don’t have to worry about my payments. Reviewed on: 9th July 2026

I often use PayPal pay in 3

I often use PayPal pay in 3 to help manage slightly bigger purchase and make them into more manageable amounts, I also like the fact that payment will be taken automatically, or you can choose to pay sooner if you can or want to. Reviewed on: 9th July 2026

I love pay in 3.

I love pay in 3. It makes purchasing items so much more affordable. Reviewed on: 9th July 2026

Easy to use and manage.

I like that the minimum qualifying spend is £23 as it means I can spread the cost when I'm at my last few pounds till pay day. It's also an option across many sites not just a select few. Being interest free means I'm not worrying about having to factor-in interest when making re-payments and the re-payments are easy to manage through the PayPal website. Plus I recently had to refund a massive clothes order that I used PayPal pay in three for and as soon as the retailer processed my refund, my Pay-in 3 was cleared and I was issued a refund for the first payment and I didn't have to do anything outside of physically returning the items to the store. Reviewed on: 9th July 2026

So easy to use and navigate.

So easy to use and navigate. Options such as pay in 3 break up big costs Reviewed on: 9th July 2026

Easy to use and safe

PayPal is the safest way to make online purchases Reviewed on: 9th July 2026

Highly recommended

I frequently use PayPal. It is a safe way to make online payments and provides the option to pay in 3. Reviewed on: 9th July 2026

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