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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101102 reviews)

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4.76

Based on 101,102 reviews, last reviewed 17th Jul 2026

458% increase in 5 star reviews

in the past 90 days

439% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

PayPal is a safety valve! I can always track my orders and payments very easily with PayPal, going back for years! The pay in three option can be really handy at times too and ... Read more Reviewed on: 17th 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.

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PayPal Pay in 3 reviews (101104)

Excellent for its pay in 3 feature.

Excellent for its pay in 3 feature. An absolute god-send for train tickets and other big purchases you may otherwise worry about paying up all at once. Reviewed on: 7th July 2026

I have been with paypal for several years and have f...

I have been with paypal for several years and have found paypal excellent in terms of paying bills and the short term credit facillities and would reccommend to anyone, ujus simply a avery good and useful service Reviewed on: 7th July 2026

PayPal is my go to for various payments, I feel safe...

PayPal is my go to for various payments, I feel safe using PayPal and have alway’s had a good experience in the many years I have been using PayPal. Reviewed on: 7th July 2026

Does exactly what I need.

Does exactly what I need. Love that I'm earning points when using my new PayPal debit card. Reviewed on: 7th July 2026

PayPal Pay in 3 Makes Budgeting Easier

I’ve had a positive experience using PayPal Pay in 3. The application process was quick and straightforward, and I received an instant decision without having to complete lots of paperwork. Splitting the cost into three interest-free payments made it much easier to manage my budget, especially for larger purchases. One feature I really like is that all upcoming payments are clearly displayed in the PayPal app, with reminders before each installment is due. Payments have always been taken on time, and I haven’t experienced any unexpected fees as long as I paid on schedule. Since many online retailers already accept PayPal, using Pay in 3 at checkout is also very convenient. The only drawback is that not every purchase or retailer is eligible, and approval isn't guaranteed every time, even if you've used the service before. It would also be helpful if PayPal offered more flexibility for changing payment dates in certain situations. Overall, I’d recommend PayPal Pay in 3 to anyone looking for a simple, interest-free way to spread the cost of purchases. As long as you make your payments on time and use it responsibly, it’s a convenient and reliable payment option. Reviewed on: 7th July 2026

Using PayPal 3 just takes away the need to pay the w...

Using PayPal 3 just takes away the need to pay the whole amount in one payment! Reviewed on: 7th July 2026

Takes some of pain out of some purchases.

Takes some of pain out of some purchases. Reviewed on: 7th July 2026

Opportunity to purchase with security and flexibilitt

It’s given me the opportunity to purchase with security and flexibility. PayPal has always been my preferred method of purchasing, and now it’s got even better as I can spread my payments into 3, as the cost of living is an added pressure these days, this has been a life saver. Reviewed on: 7th July 2026

Always a great way to pay for something that is a bi...

Always a great way to pay for something that is a bit over monthly budget spend Reviewed on: 7th July 2026

Easy no hassle and affordable.

Easy no hassle and affordable. All instalments fully detailed with reminders. Make your budget more manageable. Reviewed on: 7th July 2026

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