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PayPal: Pay in 3 reviews

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4.93
Based on 50,474 reviews, last reviewed 13th May 2026
2652100% 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

It was easy, not complication and I’m happy with my... It was easy, not complication and I’m happy with my choice Reviewed on: 13th May 2026
Benjamin E's avatar
Benjamin E

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
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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 (50474)

Great service

5
Pay with 3 is a brilliant service Reviewed on: 6th April 2026
Jo c's avatar
Jo c

My go to payment method

5
I use PayPal regularly. It is easy and gives me reassurance when buying on line. The pay in 3 can be very useful.in an emergency. Reviewed on: 6th April 2026
Stuart M's avatar
Stuart M

I’ve been using PayPal for a long time now and have...

5
I’ve been using PayPal for a long time now and have never had any issues. I frequently send money to my family with no problems and often use PayPal pay in 3. This really helps for larger purchases when PayPal is a payment option. Reviewed on: 6th April 2026
Grace P's avatar
Grace P

Excellent

5
I find PayPal excellent and the pay in three facility is particularly useful. Reviewed on: 6th April 2026
Andrew H's avatar
Andrew H

Everything is smooth and easy to use.

5
Everything is smooth and easy to use. It’s practically like using your own account but with the chance to collect points Reviewed on: 6th April 2026
Kevin J's avatar
Kevin J

Pay in 3 instalments and Credit card points

5
I have been using PayPal for years, but their Pay in 3 feature has genuinely changed how I manage my budget. Being able to split a purchase into three equal, interest-free payments with no hidden fees is incredible. There is no credit check for every transaction, and the payments are taken automatically, so I never miss a due date. It has helped me afford larger essential purchases without the stress of high-interest debt. On top of that, the PayPal Credit Card is highly underrated. The points system is straightforward and generous; I earn rewards on pretty much everything I buy with the card. Reviewed on: 6th April 2026
Ebuka I's avatar
Ebuka I

Pay in three is a great way of spreading payments

5
Pay in three is a great way of spreading payments over a shorter time period than standard credit payments, it's great value at zero interest, making a big purchase easier to handle. It was particularly special because of PayPal's first purchase discount Reviewed on: 6th April 2026
Robert J's avatar
Robert J

Pay pal in 3 is an easy and manageable way for me to...

5
Pay pal in 3 is an easy and manageable way for me to pay for large items that I need but prefer not to pay for in one payment. Payments are interest free and the lending process is easy. They lend responsibly after looking after reviewing my applications. The communication is excellent. The only difficulty I find is looking for a contact phone number to actually talk to a real person. Reviewed on: 6th April 2026
Caroline 's avatar
Caroline

Pal pal has always been a great service

5
Pal pal has always been a great service Reviewed on: 6th April 2026
Paul Baker's avatar
Paul Baker

Really flexible way to pay!

5
Really flexible way to pay!! I can choose which account to use or use the pay in 3 options Reviewed on: 6th April 2026
Ian R's avatar
Ian R

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