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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (77245 reviews)

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4.76

Based on 77,235 reviews, last reviewed 28th Jun 2026

5171400% increase in 5 star reviews

in the past 90 days

9500% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Very easy to use,, keep you up to date with things. Very easy to use,, keep you up to date with things.. easy payment plans. Very quick Reviewed on: 28th June 2026

Latest lowest rating:

1

It is really helpful to pay in 3 It is really helpful to pay in 3 Reviewed on: 27th June 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 (77245)

Smooth transactions

Smooth transactions, well embedded in to payment cycle Reviewed on: 9th June 2026

AI not for everyone

Only had a few times I’ve needed to speak to a customer service assistant it’s hard to get threw to anyone otherwise very good Reviewed on: 9th June 2026

very positive experience

I've had a very positive experience using PayPal's Pay in 3 service several rimes over the last year. As I am on a very small budget, being able to spread the cost of purchases across 3 interest-free instalments has made it possible for me to buy higher-value items when needed. It's a simple and convenient way to manage my budget without having to pay the full amount upfront. I also appreciate that PayPal sends payment reminders before each instalment is due, which helps me stay organised and not get caught out by forgotten payments due. The process has always been straightforward, and I've never experienced any issues with the Pay in 3 service itself. In addition, I've found PayPal's customer service to be excellent whenever I've needed assistance with other matters. They've been helpful and given a timely response, which gives me confidence when using their services overall. The only improvement I would like to see is the introduction of additional payment options, such as Pay in 6 or Pay in 12. This would make it easier to spread the cost of larger purchases over a longer period without incurring extra charges. I highly recommend PayPal which I have found it to be reliable, and user-friendly Reviewed on: 9th June 2026

Makes paying large bills, like heating oil, manageab...

Makes paying large bills, like heating oil, manageable by using PayPal in 3, no interest. Very good Reviewed on: 9th June 2026

Preferred method of payment

I’ve been using PayPal for years, and it has become my preferred method of payment whenever I shop online. The combination of security, ease of use, and buyer protection gives me real peace of mind. In fact, I’m often hesitant to purchase from stores that don’t offer PayPal, simply because I don’t feel as confident entering my card details elsewhere. PayPal consistently feels like the safest and most reliable way to pay, and the convenience of checking out quickly without sharing financial information with every retailer is invaluable. Highly recommended for anyone who values security and a smooth online shopping experience. Reviewed on: 9th June 2026

Being able to spread the cost interest free is the...

Being able to spread the cost interest free is the best Reviewed on: 9th June 2026

Easy to use.

Easy to use. Kept informed of payments. Never a problem when I’ve had to get a refund from a company. Confidence that my money is safe using PayPal to pay for things. Reviewed on: 9th June 2026

"easy at superlative", I love pay in 3 special for m...

"easy at superlative", I love pay in 3 special for more expensive stuff, like clothing or hobby Reviewed on: 9th June 2026

It's 9/10 as a point is always room for improvement.

It's 9/10 as a point is always room for improvement. Reviewed on: 9th June 2026

I have been using PayPal for some years.

I have been using PayPal for some years. Whenever I have had a problem, customer service put me on the right road. Always good, I try and use on my Internet payments. Reviewed on: 9th June 2026

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