Paid advertisement
Smart Money People Logo
Newsletter

PayPal: Pay in 3 reviews

4.76
Based on 101,304 reviews, last reviewed 8th Sep 2026
13% decrease in 5 star reviews
in the past 90 days
12% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

PayPal pay in 3 is great but sometimes it’s declined... PayPal pay in 3 is great but sometimes it’s declined and other times it goes through. Reviewed on: 8th September 2026
Lorna G's avatar
Lorna G

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
s hey's avatar
s hey

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 (101304)

Always effective in dealing with customer queries,an...

4
Always effective in dealing with customer queries,and helping financing 3 in one payment facilities. Reviewed on: 8th July 2026

100% confidence and faith in PayPal

5
Simple, effective and always available with nothing hidden at all. I have used this service many times and it tells you exactly what it is. The days the payments are and how much it is. I have 100% faith in PayPal and its services. Will always recommend these 5/5 Reviewed on: 8th July 2026

Pay in 3 makes you free

5
Pay in 3 has helped me so much , I am in remission and only work part time and with the price of heating oil going through the roof good old PayPal helped me pay it over 3 months instead of the full amount up front Reviewed on: 8th July 2026

Excellent

5
Fast and efficient service Never had any problem with online payment accepting lots off retail trust worthy different types payment Reviewed on: 8th July 2026

Not complicated.

5
Not complicated. Easy to follow and understand Reviewed on: 8th July 2026

I like PayPal very much because your money is safe i...

5
I like PayPal very much because your money is safe in every matter rather than pay with card on its own.i love it. Reviewed on: 8th July 2026

It helps to make those larger purchases a little mor...

5
It helps to make those larger purchases a little more affordable. With no fees, interest or charges added it certainly does help out Reviewed on: 8th July 2026

Helpful service.

4
Helpful service. Allows buyer to spread their cost and still have the item they know they love. Reviewed on: 8th July 2026

Pay in 3 great way to spread cost interest free.

5
Pay in 3 great way to spread cost interest free. Ideal for Christmas presents and concert tickets for me. Reviewed on: 8th July 2026

Recommendable

5
Great company and I have not had any issues using the app and it is very easy to send money to friends and family. I would recommend to anyone. Reviewed on: 8th 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

Want to see more from PayPal?

  • PayPal Credit

    from PayPal 4.73 from 181145 reviews
    PayPal
  • Payments

    from PayPal 4.72 from 3855 reviews
    PayPal
  • Credit card

    from PayPal 4.66 from 126 reviews
    PayPal
    View all products