Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (98602 reviews)

View other PayPal products

4.76

Based on 98,408 reviews, last reviewed 11th Jul 2026

508% increase in 5 star reviews

in the past 90 days

485% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

PayPal is easy to work and good for keeping track... PayPal is easy to work and good for keeping track of Reviewed on: 11th July 2026

Latest lowest rating:

2

I’ve used PayPal extensively so I know their cs is... I’ve used PayPal extensively so I know their cs is poor Reviewed on: 11th July 2026

Read all reviews Write a review

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.

Review PayPal: Pay in 3 now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal Pay in 3 reviews (98605)

Simple, Stress Free Spreading of Costs Done Right

PayPal Pay in 3 is genuinely one of the easiest ways to spread the cost of a purchase without any fuss. It works just like paying with PayPal, which most people already know and trust, so there is no learning curve at all. The option to split payments across three months makes budgeting much more manageable, and it feels no different to using a credit card in terms of convenience. No lengthy applications, no hidden complications, just a straightforward checkout experience. I would not hesitate to recommend it to anyone looking for a simple and reliable way to pay over time. Absolutely deserving of the Best Retail Finance Provider award. Reviewed on: 7th July 2026

The flexible friend you can rely on.

An excellent service for those times when you want to make a purchase but need a little more flexibility. Paypal Pay in 3 is a perfect option for purchasing gig tickets which have become more expensive in recent times and enables people with less disposable income to enjoy the things they love without making a big dent in their finances. Reviewed on: 7th July 2026

Helps ease the cost when you can pay in 3 instalment...

Helps ease the cost when you can pay in 3 instalments excellent service when you struggling Reviewed on: 7th July 2026

10/10! Pay in 3 is convenient and easy to use!

10/10! Pay in 3 has been really convenient and easy to use. The application process was quick, payments are clearly scheduled, and there are no surprises. It’s a great way to spread the cost of purchases without paying interest, as long as payments are made on time. Overall, a simple and reliable service Reviewed on: 7th July 2026

I paid for last minute flight to assist my daughter...

I paid for last minute flight to assist my daughter in Lanzarote in 3 instalments at no interest cost which enabled me to get out to her within less than 18 hours at short notice Reviewed on: 7th July 2026

Easy and quick to do.

Easy and quick to do. Great all round Reviewed on: 7th July 2026

PayPal is an amazing affordable app to use.

PayPal is an amazing affordable app to use. Pay in 3 is the best as you can spread your payment over 3 instalments interest free. The credit limit is amazing too and if you keep within that it’s a no win deal customer service staff are friendly knowledgeable and respectful always. Never had an issue and have been using PayPal for a number of years. My No1 go to always. And now they’ve introduced a debit card that gives you points. They also have credit card too. Keep up the good work PayPal. Reviewed on: 7th July 2026

I've used PayPal for years now - tho make a one off...

I've used PayPal for years now - tho make a one off payment and now sometimes to spread the payment over 3 months. I've never had a problem with them and if on the very odd occasion something has not been right with the seller, they've been really helpful. Reviewed on: 7th July 2026

I have never had a single problem using PayPal.

I have never had a single problem using PayPal. Not one. Reviewed on: 7th July 2026

I have used pay in three a few times and found it to...

I have used pay in three a few times and found it to be very helpful. There is always a reminder when the next payment will be taken and it has been a smooth experience each time. Reviewed on: 7th July 2026

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

Argos card
from Argos 4.31 from 64 reviews
next 3step
from Next 4.18 from 5 reviews
nextpay
from Next 4.20 from 13 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 177434 reviews
Payments
from PayPal 4.71 from 3847 reviews
Credit card
from PayPal 4.70 from 121 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