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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101275 reviews)

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4.76

Based on 101,274 reviews, last reviewed 9th Aug 2026

88% increase in 5 star reviews

in the past 90 days

94% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

4

My honest opinion Ive been with paypal for20 yrs now. I have found it a great way to pay for items over a period of time or completed transactions immediately versati... Read more Reviewed on: 9th August 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 (101275)

No complaints, simple to use and good service

No complaints, simple to use and good service Reviewed on: 7th July 2026

I have a great experience using pay pal.

I have a great experience using pay pal. I use the pay in 3 to make my purchase more affordable by splitting the cost. I have had support from pay pal to when I had issues with a customer. Gives me confidence to buy online . Reviewed on: 7th July 2026

PayPal is seamless .

I find the process of paying by PayPal seamless. And I think pay in 3 is brilliant, with no interest Reviewed on: 7th July 2026

I have used Pay in 3 a few times and have not had an...

I have used Pay in 3 a few times and have not had any problems with it. It has been great to pay over time without the high interest fees some use. Reviewed on: 7th July 2026

Super efficient and the app is so easy to use...

Super efficient and the app is so easy to use Reviewed on: 7th July 2026

A service you can depend on

I have never had anything to complain about the service. I have always found it to be very efficient as resolving any problems. It’s a service you can depend on. Reviewed on: 7th July 2026

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

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