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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (96399 reviews)

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4.76

Based on 96,274 reviews, last reviewed 9th Jul 2026

505% increase in 5 star reviews

in the past 90 days

455% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

I pay with PayPal very often. I pay with PayPal very often. Everything is always fine. Reviewed on: 9th July 2026

Latest lowest rating:

2

You wouldn't allow me to take out a buy now pay 3 mo... You wouldn't allow me to take out a buy now pay 3 months later so the customer service I've had has been very poor when I have an excellent credit sco... Read more Reviewed on: 9th 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 (96402)

interest free / easy to use / flexable

interest free / easy to use / flexable Reviewed on: 22nd June 2026

Use it again

It was amazing and easy and there no hassle at all Reviewed on: 22nd June 2026

I use Pay in 3 to help my monthly budget.

I use Pay in 3 to help my monthly budget. I have used this service on many occasions. Used sensibly, it allows me to purchase items sooner than later. Reviewed on: 22nd June 2026

Excellent provider

've used PayPal Pay in 3 several times for online purchases and found it to be a convenient way to spread the cost without paying interest. The application process is quick, repayments are clearly shown in the PayPal app, and automatic payments make it easy to stay on track. The biggest advantage is that there are no interest charges if you make all payments on time. It also integrates seamlessly with many online retailers that already accept PayPal. On the downside, not every purchase or retailer is eligible, and approval isn't guaranteed even if you've used PayPal before. Missing a payment could also cause issues, so it's important to make sure you can afford the repayments. Overall, PayPal Pay in 3 is a useful short-term financing option for manageable purchases, provided you use it responsibly and keep track of payment dates. Reviewed on: 22nd June 2026

Easy, reliable and trustworthy - every time

Easy, reliable and trustworthy - every time Reviewed on: 22nd June 2026

Spreading the cost

I appreciate the chance to pay in 3 to spread the cost. It makes it easier to budget, especially at the moment when the cost of living is so high. Reviewed on: 22nd June 2026

Great for managing your money each month

Great for managing your money each month on the pay in 3 Reviewed on: 22nd June 2026

PayPal Pay in 3 was easy to use and made it more man...

PayPal Pay in 3 was easy to use and made it more manageable to spread the cost of my purchase over three payments. The process was clear, quick and straightforward at checkout. I liked being able to see the payment dates in advance, which helped me budget properly. Overall, it was a convenient option and I would use it again for suitable purchases Reviewed on: 22nd June 2026

Love PayPal pay in 3

I love PayPal pay in 3. I'm on a low income so its super helpful to be able to spread the cost of bigger purchases, especially when its weeks since pay day. Its easy to set up too and track. The fact that as long as you pay it back as scheduled it means there are no extra charges is fab. Reviewed on: 22nd June 2026

A very easy way to extend a payment window, totally...

A very easy way to extend a payment window, totally seamless completed in seconds Reviewed on: 22nd June 2026

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