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PayPal: Pay in 3 reviews

View other PayPal products
4.93
Based on 37,532 reviews, last reviewed 22nd Apr 2026
1431200% increase in 5 star reviews
in the past 90 days
2600% increase in 1 star reviews
in the past 90 days
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Latest highest rating:

5

Convenient but needs improvement in refunds I’ve been using PayPal Pay in 3 and overall it’s a convenient way to split payments without immediate financial pressure. The setup is simple and paym... Read more Reviewed on: 22nd April 2026
Muhammad Sohaib Ijaz's avatar
Muhammad Sohaib Ijaz

Latest lowest rating:

2

Extremely difficult to navigate through the payment... Extremely difficult to navigate through the payment options. Agreed payments and terms, when checking out on an online store the authoration fails? Reviewed on: 22nd April 2026
Jo's avatar
Jo
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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 (37532)

The Pay in 3 service is a great facility.

5
The Pay in 3 service is a great facility. I use regularly Reviewed on: 13th June 2024
PAULINE R's avatar
PAULINE R

Pay in three has really helped through though times

5
Pay in three has really helped through though times Reviewed on: 13th June 2024
C M's avatar
C M

Quick and easy

5
Very easy to use and available with a lot of purchases making it easier to manage money Reviewed on: 13th June 2024
Daniel M's avatar
Daniel M

Very easy and reliable to send and receive money, wi...

5
Very easy and reliable to send and receive money, with peace of mind and excellent security measures to protect my account Reviewed on: 13th June 2024
Caroline D's avatar
Caroline D

Handy, interest free way of managing your budget

5
Very easy and useful way to not spend lots of money in one go and pay it back without having to worry about interest being charged if paid on time Reviewed on: 13th June 2024
Sam M's avatar
Sam M

Pay in 3

5
Absolutely love pay in 3, it gives me the opportunity to break larger payments into obviously 3 smaller ones. Just wish there were more companies participating. Reviewed on: 13th June 2024
Nic15670 's avatar
Nic15670

Makes spreading the cost easy

5
Makes spreading the cost of unexpected items easy and controllable Reviewed on: 13th June 2024
Steve Ward's avatar
Steve Ward

Long Live PayPal

4
PayPal are always great. I use them whenever they are listed as an option. The pay in 3 is a great service! Especially in the current climate. And for me personally, as someone with ADHD, I need to make a fair few purchases for things that will help me. They approve it right away, you get a confirmation email instantly, and a reminder of the payment due to be taken. The only improvement I would suggest is a text about upcoming deductions (but this is just personal preference / would help me more, not a fault of PayPal. I just thought I would make the suggestion). PayPal in general as a service is brilliant. You have more protection with services and goods purchased (they have helped with gaining refunds on a few occasions especially with scam sellers). They are a great way of transfering money between friends and family rather than going through a bank as it is instant and much more secure. They allow for dual sign in and you get the text code instantly. I honestly cannot rate them enough. My only issue, and this may not be with PayPal so I apologise if not, is that with some sites (Ticketmaster for one is awful with this), when you select PayPal as the option (including Pay in Three) before you can complete the verification it kicks you out! So you lose your tickets. This may be a "bug" used by these companies so that you don't use PayPal, I'm not sure. Or, it is an issue with PayPal that they need to be aware of to fix. Overall though, apart from this one thing, absolutely excellent and the customer service is brilliant as well. Reviewed on: 13th June 2024
Chenda c's avatar
Chenda c

Brilliant to use

5
Brilliant to use - pay in 3 makes it so much easier Reviewed on: 13th June 2024
Allan B's avatar
Allan B

Pay in 3 most useful

5
Used pay in 3 many times most useful facility Reviewed on: 13th June 2024
DaveW 's avatar
DaveW

Review PayPal: Pay in 3 now

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