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PayPal: Pay in 3 reviews

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4.93
Based on 48,747 reviews, last reviewed 10th May 2026
2489900% increase in 5 star reviews
in the past 90 days
4900% 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

Quick to respond if ever any issues, and keep you up... Quick to respond if ever any issues, and keep you updated of progress Reviewed on: 10th May 2026
Karen C's avatar
Karen C

Latest lowest rating:

2

I have 2 bank accounts one English and one French so... I have 2 bank accounts one English and one French so 2 cards registered with PayPal. When I use Pay in 3 in € with my French card you convert the amou... Read more Reviewed on: 9th May 2026
Agnes l's avatar
Agnes l
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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 (48747)

Charges are not clear

4
I don’t know how much pay pal costs me to use it. also the credit card facility pay in 4 months seems to hit at 3 months. The direct debit pays off the free payments and get hit with charges for smaller amounts. In general charging is no where near clear. The customer should be explained when making pitches how the payments are allocated. Reviewed on: 6th April 2026
Bitnbobs's avatar
Bitnbobs

Can Trust Paypal .

5
Can always trust PayPal to look after my payments. Reviewed on: 6th April 2026
Janice A's avatar
Janice A

Lo more than i expected

5
The pay in 3 is brilliant for me. Sending and recieving cash is easy and cheap transfers Reviewed on: 6th April 2026
C T's avatar
C T

Great way to pay for big purchases.

5
Great way to pay for big purchases.Fast efficient service. Reviewed on: 6th April 2026
Sandra Napier's avatar
Sandra Napier

I’ve been using PayPal for around 20 years now.

5
I’ve been using PayPal for around 20 years now. Have made several ‘claims’ in that time. Almost all of them were resolved. Reviewed on: 6th April 2026
MrLSmart's avatar
MrLSmart

Easy to access user friendly clear instructions

5
Easy to access user friendly clear instructions Reviewed on: 6th April 2026
Jen N's avatar
Jen N

Reassuring to have a world class secure platform wit...

5
Reassuring to have a world class secure platform with proper recourse if ing goes wrong Reviewed on: 6th April 2026
Kevin P's avatar
Kevin P

This is a very useful feature of PayPal.

5
This is a very useful feature of PayPal. I’ve used it many times as a uni student, when times got hard. The reminders are good and not overwhelming. Being able to extend paybacks is also useful Reviewed on: 6th April 2026
Nehanda S's avatar
Nehanda S

Simple and reliable way to spread payments

5
I’ve been using PayPal Pay in 3 and it’s been a really convenient way to manage larger purchases. The setup is quick and straightforward, and I like how clearly the payment schedule is laid out in the app. It makes budgeting much easier without having to pay everything upfront. Payments are taken automatically, which saves time and helps avoid missing anything. I’ve also found it widely accepted across many retailers, making it a flexible option when shopping online. While there have been occasional hiccups, like a transaction not going through, overall the experience has been smooth and reliable. It’s a great option if you want a simple, interest-free way to split payments. Reviewed on: 6th April 2026
Ono J's avatar
Ono J

Friendly and helpful customer service

5
Always friendly and helpful customer service when needed and never really had any issues Reviewed on: 6th April 2026
Rebecca R's avatar
Rebecca R

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