Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: Pay in 3 reviews

View other PayPal products
4.93
Based on 42,648 reviews, last reviewed 4th May 2026
1914100% increase in 5 star reviews
in the past 90 days
3600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

It is easy to use and very secure It is easy to use and very secure Reviewed on: 4th May 2026
Mambo J's avatar
Mambo J

Latest lowest rating:

1

Stealth opening credit accounts? Stealth opening credit accounts??? Letting customers run up credit without notice? Serious gangster tactics company should be closed down. Reviewed on: 2nd May 2026
Paul J's avatar
Paul J
Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

PayPal Pay in 3 reviews (42648)

Never had an issue with payments or customer service.

5
Never had an issue with payments or customer service. Everything has always been smooth going and I highly recommend it. It allows me the have the things I want and be able to afford it Reviewed on: 16th June 2024
kayleigh j's avatar
kayleigh j

Too much security, more than my actual bank app.

5
Too much security, more than my actual bank app. First, biometrics, then a code sent to your phone, then you go to send money, another code sent to your phone, its all a bit much really and biometrics should be enough unless you send over a certain amount. Reviewed on: 16th June 2024
Iain C's avatar
Iain C

Seamless and reassuring finance with Pay in 3.

5
Seamless and reassuring finance with Pay in 3. Love that there is no interest charged. Reviewed on: 16th June 2024
Nols's avatar
Nols

PayPal Pay in 3

5
PayPal pay in 3 allows me to spread the cost of purchases into manageable and affordable amounts without incurring additional costs in interest charges. This is super beneficial in the current cost of living crisis Reviewed on: 16th June 2024
Marie Lowrie's avatar
Marie Lowrie

Easy to use and very helpful at the moment.

5
Easy to use and very helpful at the moment. Reviewed on: 16th June 2024
Peter P's avatar
Peter P

Very flexible, and gives you a chance to make up a p...

5
Very flexible, and gives you a chance to make up a payment if missed without immediately charging interest. Never been declined and is very easy to use. Readily available with majority of retailers. Reviewed on: 16th June 2024
Kishan K's avatar
Kishan K

More education on smart investing .

5
Not alot of opportunity or chances to increase spending limits as I’m unaware of what makes me less likely to increase amounts of borrowing Reviewed on: 16th June 2024
Francesco N's avatar
Francesco N

overall a good service easy to use , direct debit co...

5
overall a good service easy to use , direct debit confirmation could be better as i’ve recieved a few late payment fees Reviewed on: 16th June 2024
Russell N's avatar
Russell N

Easy and fast purchase there is a good option for pa...

5
Easy and fast purchase there is a good option for payment. Good for buy now and pay later with zero interest. Reviewed on: 16th June 2024
Jiradej K's avatar
Jiradej K

I particularly like the pay in three

5
I particularly like the pay in three as it enables you to spread the cost of your purchases interest free. Reviewed on: 16th June 2024
Mal's avatar
Mal

Review PayPal: Pay in 3 now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill