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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (38603 reviews)

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4.93

Based on 38,603 reviews, last reviewed 24th Apr 2026

1533200% increase in 5 star reviews

in the past 90 days

2900% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

PayPal is my go-to PayPal is my go-to for three reasons: the Pay in 3 feature makes interest-free budgeting a breeze, it’s the most reliable way to withdraw cash from ga... Read more Reviewed on: 24th April 2026

Latest lowest rating:

1

Paypal used to be great but not any more. Paypal used to be great but not any more. Money was taken from my account that wasn't authorised by me and for the past month I'm trying to sort it ou... Read more Reviewed on: 23rd 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 (38603)

Great service, quick, reliable and easy.

Great service, quick, reliable and easy. Reviewed on: 12th June 2024

The staff can be very good when you speak to the rig...

The staff can be very good when you speak to the right one. Reviewed on: 12th June 2024

Makes life a little easier

Never had a problem and it makes life a little easier paying for expensive items Reviewed on: 12th June 2024

Pay in 3 - super helpful, easy and free (of charge)

Really useful to be able to spread payments over three months (for no charge, yay!) to help with cash flow. I use it often but especially at Christmas when it's helpful for funds to go a little further. It's great that it's so quick and easy, there's no messing around with application forms etc and I get reminders about upcoming payments. It's still really important to me to budget carefully and remember not to overstretch myself financially as it can be easy to forget future payments at times. I put an additional reminder in my phone calendar a couple of days ahead to make sure I don't lose track. Overall it's a great and really helpful facility. Reviewed on: 12th June 2024

Simple but effective

Easy to navigate and real simple to get a hang off. Gives you what you need in one place Reviewed on: 12th June 2024

Great option when needed!

I have really enjoyed using this service. It has made paying arge amounts for products/services really easy and stress free. Being able to slowly pay things off over 3 chunks has been so convenient and allows me to continue enjoying life's little luxuries without major sacrifices . I will definitely use this service in the future! Reviewed on: 12th June 2024

Pay in 3 is a great way to spread the costs

Pay in 3 is a great way to spread the cost at affordable rates and pay over time. I love pay in 3 would recommend to everyone. Reviewed on: 12th June 2024

I have been using PayPal to pay most of my eBay purc...

I have been using PayPal to pay most of my eBay purchases as I don’t like to put my credit card info there and it has been fantastic for that. I am glad I have PayPal credit available to help me in this high inflation time in the U.K. hopefully the ukraine war ended soon and the energy bills can come down again. Reviewed on: 12th June 2024

It has made my transactions seamless.

It has made my transactions seamless.I have been able tonpay for my purchases conveniently. Reviewed on: 12th June 2024

Prompt refund challenge clarified

Got an undelivered item refund cleared very quickly. Common sense applied by PP. Reviewed on: 12th June 2024

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