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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101213 reviews)

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4.76

Based on 101,211 reviews, last reviewed 24th Jul 2026

269% increase in 5 star reviews

in the past 90 days

307% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

4

'Pay In 3' worked well for me. I took advantage of the PayPal 'Pay In 3' scheme and my application was handled speedily and without fuss. I felt that the whole process from purchase... Read more Reviewed on: 24th July 2026

Latest lowest rating:

1

One of the most frustrating companies I deal with on... One of the most frustrating companies I deal with on a daily basis. Log in can be incredibly difficult and customer service is useless Reviewed on: 16th 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.

Review PayPal: Pay in 3 now

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PayPal Pay in 3 reviews (101213)

Worth considering

It’s allowed me to stagger my payments with no interest. Reviewed on: 7th July 2026

Safe, secure and recommended

I’ve used PayPal for several years to spend and receive money. They are safe, secure and really helpful when needed. Reviewed on: 7th July 2026

Easy to purchase, and no worry about missing payment...

Easy to purchase, and no worry about missing payments as it automatically comes out. A perfect way to spread money without hidden costs Reviewed on: 7th July 2026

Excellent

Excellent service when problems arise & Pay in 3 without interest is a big help. Reviewed on: 7th July 2026

PayPal is excellent in making purchases because i fe...

PayPal is excellent in making purchases because i feel protected. Reviewed on: 7th July 2026

PayPal Pay in 3 relieves the pressure

We have used PayPal “Pay in 3” many times. It’s so convenient and easy to use - and stops the pressure of paying large(or small) amounts in one go. Especially for things like emergencies / new tyres or new equipment in any shape of form Reviewed on: 7th July 2026

Paypal is an excellent financial friend!

It is so convenient, easy to use, practical, reliable and accessible if there are any issues. I am comfortable in relying my chrhes and payment on PayPal. The ability to send and receive money is great too. It is very useful. Reviewed on: 7th July 2026

Easy to use and feel safe paying with paypal

Easy to use and feel safe paying with paypal Reviewed on: 7th July 2026

No added cost

Have used Pay in 3 quite a few times - a very useful service - enables you to split your payments - and the best thing is that there is no added cost. So good for budgeting and helps with cash flow. Would certainly recommend it. Reviewed on: 7th July 2026

Didn’t need to use it but thought hey, let’s try!

Made an unplanned purchase after Christmas. I had the money, I didn’t need to spread the payments. However, I thought it would provide some additional financial freedom so in the payments page I sledged the pay in 3…ok, that’s not actually true, before I clicked BUY I did a bit of research as I didn’t want it negatively affected my credit score. What I found what that it was not recorded in your credit report if you kept good credit, which I do. So I selected the Pay in 3 as easy as pie! Will I use this again? Yes I probably will! Thank you PayPal for offering this flexible approach to mamagijg one’s personal finances. Reviewed on: 7th July 2026

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