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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101302 reviews)

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4.76

Based on 101,302 reviews, last reviewed 6th Sep 2026

23% increase in 5 star reviews

in the past 90 days

23% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Would recommend 100% Quick and easy application and acceptance .. would recommend has helped me no ends Reviewed on: 6th 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 (101302)

Excellent

I've used PayPal for absolutely years. Best there is! Reviewed on: 8th July 2026

Reliable and Safe

PayPal is a very reliable and secure method of monetary transactions, for payments, and money transfers. The delayed payments without interest also goes a long way to ease presure on one's budget. Reviewed on: 8th July 2026

Easy and clear communication.

Easy and clear communication. Payments laid out simply. Reminders of upcoming payments. Even when the product has to be returned the refund process was simple. Reviewed on: 8th July 2026

Good customer care service.

Good customer care service. Rapid response and payment process Reviewed on: 8th July 2026

Free credit

Free credit is very welcome and helpful Reviewed on: 8th July 2026

So easy to use.

So easy to use. Helps me with finance options. Amazing Reviewed on: 8th July 2026

Convenient and Reliable: My PayPal Pay in 3 Review

I’ve used PayPal Pay in 3 several times now, and overall the experience has been smooth and convenient. The setup is quick, the payments are automatic, and the fact that it’s completely interest‑free makes it a helpful way to spread the cost of purchases without worrying about extra fees. What I appreciate most is how simple it is: the first payment is taken at checkout, and the next two instalments follow monthly without me needing to do anything. It feels reliable and hassle‑free. That said, PayPal doesn’t always offer Pay in 3, even when you have a long‑standing account or good payment history. The eligibility checks aren’t explained, so when it’s unavailable, it can be frustrating — especially when PayPal tries to steer you toward PayPal Credit instead, which comes with interest. Overall, Pay in 3 is a great option when it’s available: easy to use, predictable, and genuinely interest‑free. I just wish the eligibility process was clearer and more consistent. Reviewed on: 8th July 2026

Same as above

Some queries are dealt with fairly. And on the other end it's not. Reviewed on: 8th July 2026

Completely straight forward

Completely straight forward. No fuss Reviewed on: 8th July 2026

Over the years fast and efficent service

The few times over the years i had a problem, it was sorted out quickly and efficiently. I never had problems like i have heard others i know have had. They do not spam me with emails. Reviewed on: 8th July 2026

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