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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101271 reviews)

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4.76

Based on 101,271 reviews, last reviewed 6th Aug 2026

104% increase in 5 star reviews

in the past 90 days

106% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

my payments online is safe & fast. i have been using paypal for most of my payments online and is safe & fast. Reviewed on: 6th 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 (101271)

No interest, unlike a credit card.

What I liked: No interest, unlike a credit card. Built into normal PayPal checkout, so no extra application step. Instant approval every time. I have used this option for buying online services and physical goods ( Temu, various online health stores) as well Clear repayment schedule (deposit now, then two automatic payments at 30 and 60 days). Good way to spread the cost of bigger purchases without a full credit agreement. Drawbacks: A missed/failed payment (e.g. expired card) triggers a late fee and can limit future use. Easy to lose track of multiple plans and overspend since it doesn't feel like "real" money. Reviewed on: 7th July 2026

Easy to use and quick to complete

Easy to use and quick to complete Reviewed on: 7th July 2026

Smooth straightforward application

Smooth straightforward application Reviewed on: 7th July 2026

Flexible

I find it grest for spreading higher value items over a 3 month period with no worries Reviewed on: 7th July 2026

I love PayPal, feel it’s a one for all credit wallet..

I love PayPal, feel it’s a one for all credit wallet if you like. When I don’t have my card details to hand, good old faithful PayPal is the solution. love the pay in 3 instalments as then I feel like I can afford to buy something I need. they have rewards too, so you can get points which interns is money off.i Reviewed on: 7th July 2026

Paypal review

Nothing further to add other than happy with the access to pay for items via PayPal Reviewed on: 7th July 2026

PayPal perfect

I’ve found PayPal products to be very good especially the pay in 3 . the PayPal site is straight forward to use with easy access to your information Reviewed on: 7th July 2026

Pay in 3 is a great service,

Pay in 3 is a great service, i use it for large purchases to spread the cost over the 3 months. It means I don't have to wait till I have saved enough to buy what i want Reviewed on: 7th July 2026

Straightforward process

Easy to use app and straightforward process Reviewed on: 7th July 2026

I always use PayPal pay in 3 as it’s an easy way to...

I always use PayPal pay in 3 as it’s an easy way to spread payment for goods interest free. Have recommended it to many friends and family. Reviewed on: 7th July 2026

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