Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101095 reviews)

View other PayPal products

4.76

Based on 101,069 reviews, last reviewed 16th Jul 2026

506% increase in 5 star reviews

in the past 90 days

468% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Easy to use and secure Easy to use, payments taken by direct debit so you don't have to think about it. Provides protection for my orders. If there is a problem with the sup... Read more Reviewed on: 16th 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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal Pay in 3 reviews (101095)

Excellent service by trusted provider

the service was offered by the seller, easy to operate, no fee, confirmation of purchase came quickly as well as confirmation of first payment of a third of the cost. What's not too like! excellent service Reviewed on: 7th July 2026

Never had a bad experience with PayPal.

Never had a bad experience with PayPal..having safe transactions and monitoring what I bought made me a bit more conscious and relaxed Reviewed on: 7th July 2026

Pay in 3

I often use Pay in 3 when purchasing more expensive items. It’s easier to budget for and is easier to manage than standard credit. Reviewed on: 7th July 2026

Always smooth, nevet any problems.

Always smooth, nevet any problems. Easy to navigate with clear language. Makes shopping online feel safer and more in control. And very helpful if there id a problem with an online retailer. Reviewed on: 7th July 2026

Excellent service

Easy to use paypal, always helpful with lots of situations Reviewed on: 7th July 2026

Excellent way to spread the cost of purchases

I've had a really positive experience with PayPal Pay in 3. The application process is quick and straightforward, and I like that it allows me to spread the cost of purchases over three interest-free payments without feeling tied into a long-term commitment. One of the best features for me is the flexibility to pay it off early. Whether it's just paying the next instalment ahead of schedule or clearing the remaining balance completely, it's great to have that option available whenever I want. I'm also not a fan of payment plans that stretch over many months and often come with interest charges. Paying in just three instalments feels much more manageable and responsible, and it doesn't leave me feeling like I'm carrying debt for an extended period. Another benefit that I think many people will appreciate is that Pay in 3 typically uses a soft credit check rather than a hard search when assessing eligibility, so it doesn't leave a visible hard enquiry on your credit file. The whole experience is easy to manage through the PayPal app, with clear payment schedules and reminders, and the added reassurance of PayPal Buyer Protection gives extra peace of mind when shopping online. Overall, PayPal Pay in 3 is convenient, transparent, flexible, and genuinely useful for budgeting larger purchases without paying interest. I'd happily recommend it to anyone looking for a simple way to spread the cost of online shopping. Reviewed on: 7th July 2026

PayPal made easy

Easy and safe way to make transactions Reviewed on: 7th July 2026

Always reliable

Always reliable and quick to resolve any issues. I rarely use a different payment method. Reviewed on: 7th July 2026

I love the pay in 3 scheme, it helps me a lot.

I love the pay in 3 scheme, it helps me a lot. Reviewed on: 7th July 2026

Hugely convenient solution, two clicks away

Pay in 3 is hugely convenient, a couple of clicks away and solves problems. i’ve never had to engage with customer services so can’t comment but that in itself is worth noting! Reviewed on: 7th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Pay Monthly Flights
from Awaymo 0.00 from 0 reviews
Retail finance
from PayItMonthly 4.81 from 293 reviews
Buy now pay later
from Payl8r 4.82 from 4218 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 180897 reviews
Payments
from PayPal 4.70 from 3855 reviews
Credit card
from PayPal 4.67 from 124 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub