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PayPal: Pay in 3 reviews

4.93
Based on 47,146 reviews, last reviewed 7th May 2026
2340800% increase in 5 star reviews
in the past 90 days
4400% increase in 1 star reviews
in the past 90 days
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Latest highest rating:

5

Great rewards and super easy payments Great rewards and super easy payments Reviewed on: 7th May 2026
Jakub N's avatar
Jakub N

Latest lowest rating:

1

I paid my 3 monthly installments before the end of c... I paid my 3 monthly installments before the end of contract and had my card stolen so it was blocked the next time I tried to pay you refused, I'm not... Read more Reviewed on: 6th May 2026
Shaz Shaz's avatar
Shaz Shaz

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 (47146)

Excellent service and easy to use.

5
Excellent service and easy to use. Reviewed on: 7th April 2026

Smart, Flexible Spending with PayPal Pay in 3

5
I’ve had an excellent experience using PayPal’s Pay in 3 feature, and it’s genuinely changed the way I manage my finances when making purchases. Instead of paying the full amount upfront, being able to split the cost into three interest-free payments makes things far more manageable and less stressful, especially for larger or unexpected expenses. What I really appreciate is the flexibility it offers. It allows me to budget more effectively without feeling like I’m taking a financial hit all at once. The payments are clearly scheduled, easy to track, and seamlessly integrated into the PayPal app, so I always know where I stand. There’s a sense of control and transparency that makes the whole process feel reliable and user-friendly. It’s also incredibly convenient. The option is available at checkout with many retailers, and the approval process is quick and straightforward. I don’t have to deal with complicated paperwork or long waiting times, which makes it a practical solution for everyday purchases. Overall, Pay in 3 is a great tool for spreading costs responsibly. It helps me stay on top of my spending while still being able to buy what I need when I need it. I find myself using it whenever it’s available, as it provides that extra layer of financial breathing room without any added interest. Reviewed on: 7th April 2026

does what it says on the tin.

5
does what it says on the tin. few clicks and done. Reviewed on: 7th April 2026

I always feel protected when us PayPal

5
I always feel protected when using PayPal Reviewed on: 7th April 2026

Always excellent service makes buying easy

5
Always excellent service makes buying easy Reviewed on: 7th April 2026

Easy and secure

5
Easy and secure and you can use almost anywhere Reviewed on: 7th April 2026

Pay in 3 is incredibly useful, especially for large...

5
Pay in 3 is incredibly useful, especially for large purchases - or even small ones, in these difficult times. Reviewed on: 7th April 2026

Simple way to pay

5
It's a easy simple way to pay for the things you want & love the 3 easy payments plan & it's a very safe & secure & I've never had any issues getting my money back from PayPal if the purchase hasn't been what it should have been. Reviewed on: 7th April 2026

Long lasting service

5
Long lasting membership and experience never go wrong Reviewed on: 7th April 2026

long time user, first time reviewer.

5
I have been with PayPal for a long time and always default to use it if a web store has the option. It's safe, easy to use, and is essential in today's world of online shopping. Sending money to friends a breeze too. Also I recently tried PayPal pay in 3 and it was a great experience. I was able to keep track of what I had left to pay and when it would go out. Reviewed on: 7th April 2026

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