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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101299 reviews)

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4.76

Based on 101,299 reviews, last reviewed 4th Sep 2026

26% increase in 5 star reviews

in the past 90 days

26% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

I've used PayPal for over 20 years and found the ser... I've used PayPal for over 20 years and found the service to be excellent, particularly when I first started using PP. More recently, not so good as I ... Read more Reviewed on: 4th September 2026

Latest lowest rating:

1

You are the worst customer service company going Vis... You are the worst customer service company going Visa MasterCard are much better at resolving disputes Reviewed on: 26th 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 (101299)

Hassle free

Hassle free. All do in a few minutes Reviewed on: 8th July 2026

I have been treated fairly when I have had issues ei...

I have been treated fairly when I have had issues either purchased. The pay in three is a useful added bonus. Reviewed on: 8th July 2026

Never had an issue, always feel confident when using...

Never had an issue, always feel confident when using PayPal. Its clear to use, and if you need contact its easy Reviewed on: 8th July 2026

Using PayPal pay in 3 is really easy.

Using PayPal pay in 3 is really easy. You get a decision in seconds, you get reminders when your payment is due and you can check your account to see where you are any time. You can also pay it off early if you want. Reviewed on: 8th July 2026

Always makes my experience smooth and effortless.

Always makes my experience smooth and effortless. Reviewed on: 8th July 2026

Reliable, Fast, secure

I’ve been using PayPal for years now for both online shopping and sending money to friends. It’s super convenient, fast, and the security features give me peace of mind. The app is easy to navigate too – definitely my go-to payment method! Reviewed on: 8th July 2026

PayPal Top marks from me

PayPal has always been a great help to me. I've used PayPal at times to help reduce the initial cost by using pay in 3 to spread the cost of purchases when I've been short of money. Also they are very helpful when you fall into financial difficulties and will always try to help you if you are a bit behind with your payment each month. PayPal has been the best experience I've had compared to other companies. Reviewed on: 8th July 2026

Efficient

Fast and efficient clear and easy to understand a trusted site Reviewed on: 8th July 2026

PayPal is so quick easy and safe to use.

PayPal is so quick easy and safe to use. The pay in 3 function is such a benefit to help budget finances whilst not being charged any interest. I’ve used the pay in 3 function a few times now when money have been tight at the end of the month. Reviewed on: 8th July 2026

PayPal / Best Retail Finance Provider

PayPal has become one of those rare brands that I genuinely trust. Likewise, for millions of customers, it's the reassuring name at checkout, offering a choice of secure payment and finance options that make shopping feel straightforward rather than stressful. PayPal effortlessly combines security with convenience. Whether I want to pay now, spread the cost, or simply enjoy a faster checkout experience, the process feels intuitive and transparent. Behind that simplicity is technology that helps retailers increase conversions, reduce abandoned baskets, and create a smoother buying journey from start to finish. PayPal continues to invest in new ways to meet changing customer expectations while maintaining the high standards of security and reliability that have defined the brand for years. Its commitment to responsible lending and customer choice means finance is accessible without feeling complicated or intimidating. At its heart, PayPal understands that great retail finance isn't just about transactions. It's about giving people confidence to buy, businesses confidence to sell, and making the entire experience feel safe, flexible, and easy. That combination of trust, innovation, and customer focus makes PayPal a thoroughly deserving winner of the Best Retail Finance Provider award. Reviewed on: 8th July 2026

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