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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101280 reviews)

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4.76

Based on 101,280 reviews, last reviewed 14th Aug 2026

72% increase in 5 star reviews

in the past 90 days

83% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

4

bought so much stuff online through pay pal so easy... bought so much stuff online through pay pal so easy and pay in 3 is best thing ever from pay pal if u dont have money to pay it gives u time to pay Reviewed on: 14th 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.

Review PayPal: Pay in 3 now

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PayPal Pay in 3 reviews (101280)

Although it's incredibly easy to access and use the...

Although it's incredibly easy to access and use the main floor in this PayPal is that the PayPal plus point system is very faulty and doesn't register point properly at all and does it sporadically and that's random so that's very disappointing and there's absolutely no way to access customer services to correct that so because of accessibility issues I have where I struggled to speak on the phone I can't access them email because they just have unhelpful chat rooms that don't actually relate to the issue I'm having so that is where I have a massive issue with PayPal other than that generally they're good but they have very little information on how to go about contacting directly for personal issues with your account if they do have it it's on the website and I've completely missed it I think that would just probably go to show that it's not particularly easy and obvious to understand if I can't pick it that up on the website. also randomly I did try to do a paying three recently and it wasn't for a particularly large amount it was for one of my usual monthly amounts that I normally pay in full on my debit card but I needed to use paying three this month and it was declined and there's no reasons as to why it was declined other than they just decided that they can't offer me at this time and then they removed the option completely to even access that for any other purchases so I think that's that's big penalized for something where my I have a good credit rating and I've never defaulted on any payments with PayPal before I find incredibly rude and in salty because I've depended on that paying three for months and I've always fulfilled the financial obligations that come with it so to suddenly get that denied with incredibly upsetting so as a result I was left without anybody to part by food this week purely because PayPal would not help me when there was no reasonable justification for denying the pay in three option but saying that I am still very happy with PayPal because they make the borrowing aspect very flexible no interest and no messy in chat rates and flusting around with different credit cards so the fact that it's all digital and I can use a virtual debit card as well linked to my account so I can load it up to help me with budgeting stuff I find really really helpful because then all I do is whenever I need to budget something then I just load at the card for the amount I have to spend and once that's gone it's gone but then that way I don't overspend in my bank account where my bills come out of so where I've got direct debits in my main bank account they can be then left alone as long as I have my loaded up debit card in PayPal so then I don't accidentally spend money that I needed for other bills so generally it helps me a lot so I still overall really enjoy using PayPal and I will still hope to use it for many more years as I've already been a customer for 20 years. So I think that speaks volumes don't you? :-) Reviewed on: 6th August 2026

Poor exchange rate for international purchases.

I prefer to use Paypal for retail online shopping and receive a very good service. My only negative is the poor exchange rate Paypal offers when buying items from Europe, made worse if an item has to be returned, so losing out on the purchase and them again on the return as the amount received is less than the amount due. I am looking for alternative solutions with other providers, But with UK purchases and sending funds to friends and family, I have only had a good experience. Reviewed on: 6th August 2026

loved that i enjoyed the instalment plan

loved that i enjoyed the instalment plan Reviewed on: 6th August 2026

Very good and trusted I’m using this service for las...

Very good and trusted I’m using this service for last 12 years never had a issue Reviewed on: 6th August 2026

PayPal and their breathe of payment options

Pat in 3 and pay in 30 days have been amazing for me and have allowed me to get the things I want without the stress of one big payment by cutting it up into 3 I’ve been able to get the things I’ve wanted without feelings as bad. Paypals customer support have been great as well, I booked a flight with American Airlines and had to then cancel my ticket! Paypal helped me out with this when AA was being fustrating. Reviewed on: 6th August 2026

great staff all very keen and very eager to offer he...

great staff all very keen and very eager to offer help at any time you contact them well worth the 5 stars given Reviewed on: 6th August 2026

A 5* review

PayPal is easy to use and pay online, the best way to pay online 5***** Reviewed on: 6th August 2026

The protector

I always use PayPal as it’s the safest way to protect my purchases and it helps me sleep better at nights. It’s also very simple to use without being complicated. Reviewed on: 6th August 2026

Pay in 3 makes life easy!

Pay in 3 makes life easier for me, because the PayPal app tells me how much money I owe and when to pay that money. I usually do pay in 3 for the necessities and I’m so thankful for this, most of the time I pay the money back in full before payment is owed. Reviewed on: 6th August 2026

Being able to pay in three instalments helped me to...

Being able to pay in three instalments helped me to balance my budget when I was struck with an unexpected bill. Cars! We all love em but they can be demanding without any warning. The application process as an existing account holder was very easy. I hate long winded processes where you have to prove you are you 3 times over to get accepted. I even suggested using PayPal to a friend when their washing machine died and they had to purchase a new one. I also like the fact that PayPal is a known brand and I could sign up to three payments with confidence that there would be no hidden charges. It was as simple as using a credit card but less painful due to the time period. Love it! Cracking! Reviewed on: 6th August 2026

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