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 49,266 reviews, last reviewed 11th May 2026
2539000% 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

Outstanding Experience Thus Far I have nothing but positive thoughts on my experiences with PayPal! I’ve used Paypal for years and it’s honestly made my online shopping experience se... Read more Reviewed on: 11th May 2026
Reece M's avatar
Reece M

Latest lowest rating:

2

Pay in 3 is just a pain. Pay in 3 is just a pain.....happy to pay by debit card Reviewed on: 10th May 2026
Ali's avatar
Ali
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 (49266)

Excellent interest free credit option

5
PayPal Pay in 3 is an excellent option for spreading the cost of a purchase online. It has a simple and clear payment schedule with 0% interest!! I would definitely recommend it. Reviewed on: 6th April 2026
Joe K's avatar
Joe K

Excellent service !

5
Great service, pay in 3 and PayPal credit with no interest for 4 months, very useful when needed ! Reviewed on: 6th April 2026
Matt M's avatar
Matt M

Never had an issue using it.

5
Never had an issue using it. No credit checks needed and it’s useful for breaking down larger payments into three monthly payments Reviewed on: 6th April 2026
Richard J's avatar
Richard J

Always quick and straightforward to use.

5
Always quick and straightforward to use. Reviewed on: 6th April 2026
Chris Prucharski's avatar
Chris Prucharski

Excellent would recommend to all.

5
Excellent would recommend to all. Reviewed on: 6th April 2026
Katie's avatar
Katie

I’ve found PayPal Pay in 3 really easy to use and he...

5
I’ve found PayPal Pay in 3 really easy to use and helpful when managing my finances. The setup was quick, payments are clearly scheduled, and everything is transparent in the app. It’s a great option for spreading the cost without interest, and I’ve had no issues so far. Reviewed on: 6th April 2026
Wiktoria D's avatar
Wiktoria D

It was really good and made it feel a bit easier spe...

5
It was really good and made it feel a bit easier spending the money when broken down in three payments not adding additional cost Reviewed on: 6th April 2026
Steve's avatar
Steve

Excellent service.

5
PayPal have always resolved my issues with payments and offer me credit interest free for 4 months. Reviewed on: 6th April 2026
VK's avatar
VK

Great loyalty program

5
I use the Paypal debit card for its great loyalty points Reviewed on: 6th April 2026
Richard Pakenham's avatar
Richard Pakenham

PayPal Pay in 3 is a simple and convenient way to sp...

5
PayPal Pay in 3 is a simple and convenient way to split purchases into three interest-free payments. It’s easy to use, with quick approval and a clear payment schedule shown upfront, making budgeting much more manageable. There are no fees if you pay on time, and it integrates smoothly into PayPal checkout. Overall, it’s a great option for short-term flexibility—just make sure you keep up with the payments to avoid issues. Reviewed on: 6th April 2026
Borzillla K's avatar
Borzillla K

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