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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (51154 reviews)

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4.93

Based on 51,154 reviews, last reviewed 15th May 2026

2716200% increase in 5 star reviews

in the past 90 days

5200% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Almost Top Marks I would have given top marks if I’d not had experiences with refunds in the past. Although I was refunded eventually the wait time for disputes is rat... Read more Reviewed on: 15th May 2026

Latest lowest rating:

1

My account was hacked and the link card was compromised My account was hacked and the link card was compromised Reviewed on: 14th May 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 (51154)

easy to use, pay in 3 is such a good idea.

easy to use, pay in 3 is such a good idea. Reviewed on: 6th April 2026

Spreading the cost over interest free

I like most that I can buy now and pay later with no interest. Give me time to pay off Reviewed on: 6th April 2026

Very efficient and easy to use, would highly recomme...

Very efficient and easy to use, would highly recommend to anyone after credit Reviewed on: 6th April 2026

Have used pay in 3 twice, it is really handy for whe...

Have used pay in 3 twice, it is really handy for when you don't have enough funds to pay in one go, easy to use. Reviewed on: 6th April 2026

PayPal has always been very reliable never let me do...

PayPal has always been very reliable never let me down absolutely great service Reviewed on: 6th April 2026

Excellent, using every month almost

Excellent, using every month almost Reviewed on: 6th April 2026

PayPal pay in 3 is brilliant

PayPal pay in 3 is brilliant for the smaller purchases in life, but you just need a bit more time to pay for them. It really helps me to manage my money on a monthly basis, as I always have access to my balance and future payment details. Reviewed on: 6th April 2026

Easy & Straightforward

Straightforward with good communications via Email. Reviewed on: 6th April 2026

I use pay in 3 regularly for purchases

I use pay in 3 regularly for purchases I just don't want to pay outright at the time. It's always a handy way of stretching your finances a tad farther than you normally would. It's certainly gotten me out of a few scrapes for last minute birthday gifts. In general, I've never had any issues, and have always found PayPal support to deal with the few problems I've had efficiently. The only downside is the interest rates if you don't pay off in 3, there are more competitive rates out there. That said, the ease of use and handy app make the whole process a breeze. Reviewed on: 6th April 2026

Perfect way to help me out.

Being disabled and unable to work is a struggle so this option is perfect for me. I can treat myself in instalments. Thank you. Reviewed on: 6th April 2026

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