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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (40306 reviews)

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4.93

Based on 40,306 reviews, last reviewed 28th Apr 2026

1694500% increase in 5 star reviews

in the past 90 days

3000% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Life saver Very easy to use and great way to manage money. Reviewed on: 28th April 2026

Latest lowest rating:

1

Couldn’t use PP Debit for a month Card declined and I couldn’t use the service for a month even after speaking to what seems like every department on the phone. Then one day it’s worki... Read more Reviewed on: 26th April 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 (40306)

Awesome ,

Never had any problems with PayPal always a great service Reviewed on: 27th June 2025

This like awesome,,i had an issue with a seller but...

This like awesome,,i had an issue with a seller but paypal made it so easy for me to get the money back easily. Reviewed on: 27th June 2025

Always efficient and reliable service

Always efficient and reliable service Reviewed on: 27th June 2025

Quick and easy to use

Quick and easy to use, allows me to purchase now and pay later with 0% interest over a few payments, what's not to like Reviewed on: 27th June 2025

PayPay offers me pay in 3 but never gives anymore.

I have not been able to use pay in 3 for about a year now. Paypal keeps offering me pay in 3 but denies me. When I could use it 2nd and 3rd payments were always early. Never behind in payments ever. Now I have been using Klarna no problems and 100% of my 2nd & 3rd payments are early. So never behind. Reviewed on: 27th June 2025

Easier payments and interest free

Pay in 3 is a great way to spread the cost of a purchase and it's interest free. With many vendors accepting PayPal payments now, it means I can take advantage of sales between pay days to grab a bargain and have the peace of mind knowing I can afford the split payments instead of having to save up first and potentially missing a sale. I love how easy it is to use and the breakdown of costs with payment dates is given immediately and it's easy to check online. Getting reminders of when the next payment is due is also great. Reviewed on: 27th June 2025

Quick and easy

Paying in 3 was easy to arrange. I’d use the service again and would recommend it others. Reviewed on: 27th June 2025

Very simple and easy to use.

Very simple and easy to use. No problems at all Reviewed on: 27th June 2025

I regularly use PayPal pay in 3 especially through e...

I regularly use PayPal pay in 3 especially through eBay - it’s simply and easy to use. Making payments more manageable. I like that it’s set up as a sort of direct debit that comes straight out of your account. I have adhd and can sometimes be quite forgetful Reviewed on: 27th June 2025

Cost effective way to budget

I have used Pay in three a number of times now and find it very easy to set up and use. It has helped me manage my budgeting which is very important in these current times and works out a very cost efective way compareed to other forms of financing. Reviewed on: 27th June 2025

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