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 50,516 reviews, last reviewed 13th May 2026
2656000% increase in 5 star reviews
in the past 90 days
5100% 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:

4

Pretty simple to apply for pay in 3. Pretty simple to apply for pay in 3. Would like to be able to change payment date a day or two in case of emergency Reviewed on: 13th May 2026
Angie C's avatar
Angie C

Latest lowest rating:

1

Can’t cancel other payments try paying with 3 and it... Can’t cancel other payments try paying with 3 and it won’t let me do it Reviewed on: 12th May 2026
Simon B's avatar
Simon B
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 (50516)

PayPal is always security conscious.

5
PayPal is always security conscious.They also offer pay in three if needed. As soon as a payment has been made they immediately send notification by email etc. Reviewed on: 6th April 2026
Yvonne R's avatar
Yvonne R

Waiting time longer than expected

3
Waiting time longer than expected Reviewed on: 6th April 2026
FR's avatar
FR

Top financial aid

5
PayPal pay in 3 is a fantastic way of paying and spreading the cost especially in these difficult financial times, I’d be lost without this service, I highly recommend using this platform for all financial planning and management Reviewed on: 6th April 2026
Grant J's avatar
Grant J

Pay in 3, easier than paying in one

5
Pay in 3 is a great way to spread those unexpected costs over the following 3 months. Easy to do. Doesnt cost any more than paying in one, so its almost a 'no-brainer.' Each month there is an email to say the payment is coming out, which prevents you forgetting. Reviewed on: 6th April 2026
John B's avatar
John B

Very easy to use

5
Very easy to use and helps with budgeting Reviewed on: 6th April 2026
John D's avatar
John D

Straightforward process with relevant information an...

5
Straightforward process with relevant information and instructions Reviewed on: 6th April 2026
Sheila 's avatar
Sheila

Always had a great experience with PayPal especially...

5
Always had a great experience with PayPal especially PayPal pay in 3 great way to help pay for more expensive items Reviewed on: 6th April 2026
amy m's avatar
amy m

Great communication always kept up to date with upco...

5
Great communication always kept up to date with upcoming payments Reviewed on: 6th April 2026
Margaret S's avatar
Margaret S

Flexible, Interest-Free Payments Made Simple

4
PayPal: Pay in 3 is a convenient “buy now, pay later” option that allows you to split purchases into three interest-free payments. It’s especially useful for managing larger expenses without paying everything upfront, making budgeting a lot easier. One of the biggest advantages is how seamlessly it integrates into the PayPal checkout process. If you already use PayPal, there’s no need to sign up for a separate service—approval is quick, and repayments are automatically scheduled, which helps avoid missed payments. The fact that there’s no interest (as long as you pay on time) makes it an attractive alternative to traditional credit. The transparency is also a strong point. You can clearly see your payment schedule, and there are no hidden fees if everything is paid as agreed. This makes it a straightforward and user-friendly option compared to some other financing services. On the downside, it’s not available for every purchase or retailer, and eligibility can vary. Missing payments can lead to penalties or affect your access to the service in the future, so it still requires careful financial management. Overall, PayPal: Pay in 3 is a flexible and accessible way to spread out payments, particularly for regular PayPal users looking for a simple, interest-free option. Reviewed on: 6th April 2026
Nicolas K's avatar
Nicolas K

Never had a problem, everything has been hunky dory

5
Never had a problem, everything has been hunky dory Reviewed on: 6th April 2026
Ian brighouse 's avatar
Ian brighouse

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