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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (47967 reviews)

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4.93

Based on 47,967 reviews, last reviewed 8th May 2026

2417300% increase in 5 star reviews

in the past 90 days

4700% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Never experienced any problems making or receiving p... Never experienced any problems making or receiving payments Reviewed on: 8th May 2026

Latest lowest rating:

2

I use to use pay in 3, never missed a payment and th... I use to use pay in 3, never missed a payment and then it just stopped me from being able to access the pay in 3 method Reviewed on: 8th 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 (47967)

It’s great.

It’s great. The opportunity to pay in 3 instalments helped me many times Reviewed on: 17th June 2024

Perfect service

Never had any problems always been perfect Reviewed on: 17th June 2024

Straight forward and easy to understand.

Straight forward and easy to understand. Using the pay in 3 helps spread the cost of purchases over a set period allowing you to purchase things even if you don’t have the full amount at the time. Having a determined amount each month to repay lets you plan your finances for that given month and there are never any surprises! Reviewed on: 17th June 2024

Perfect!

Perfect for this cost of living crisis, always really reliable. Reviewed on: 17th June 2024

Much better Pay in 3 options out there

There are much better alternatives to Paypal pay in 3 imo. Reasons: No clarity around eligibility rules (sometimes you’re eligible, sometimes not, if you’re rejected it’ll then ban you for an indefinite amount of time - customer service cannot tell you any more). Exchange rates are terrible. If your card declines for some reason, it’ll then ban you from pay in 3 for an undefined length of time (even if your card is now fully working). Terrible customer service - very very long wait times on the phone, and agents have very little access to information so can’t help much. Overall I’d only use paypal pay in 3 as a last resort (one upside is that most places take them, though often you can create a “one-time card” in klarna for places that don’t have it listed as a payment option, takes slightly longer though). Reviewed on: 17th June 2024

It's a very straightforward service and has allowed...

It's a very straightforward service and has allowed me to spread out larger payments making them more affordable for me. I like the fact that I have clear deadlines so I know when the payments are coming up, which helps me be prepared. Reviewed on: 17th June 2024

Really helped me afford things, very useful.

Really helped me afford things, very useful. Reviewed on: 17th June 2024

Makes payment easy and convenient

Makes payment easy and convenient Reviewed on: 17th June 2024

Very useful and efficient way of paying.

Very useful and efficient way of paying. Reviewed on: 17th June 2024

Technical payment issues.

Had A technical issue with my bank I contacted PayPal to say payment wouldn’t be processed . it was processed a few days later. customer service was absolutely brilliant talking everything through with me so that I could understand.. Reviewed on: 17th June 2024

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