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PayPal: Pay in 3 reviews

View other PayPal products
4.93
Based on 42,659 reviews, last reviewed 4th May 2026
1915100% increase in 5 star reviews
in the past 90 days
3600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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See only 4 star reviews
5%
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1%
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0%
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Latest highest rating:

5

very simple and easy to use, had an issue with pay i... very simple and easy to use, had an issue with pay in 3 a few months ago but it was quickly resolved Reviewed on: 4th May 2026
Charlie 's avatar
Charlie

Latest lowest rating:

1

Stealth opening credit accounts? Stealth opening credit accounts??? Letting customers run up credit without notice? Serious gangster tactics company should be closed down. Reviewed on: 2nd May 2026
Paul J's avatar
Paul J
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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 (42659)

Great Service

5
I use pay in 3 for all transactions over £100 and have never had a bad experience Reviewed on: 9th June 2024
Anna 's avatar
Anna

Pay in 3 lets me manage my money better

5
I've always had a positive experience using Pay in 3, it lets me buy things I want without having to save money up for them so I can enjoy them for longer. It lets me manage my money better. It's easy to see your payments in app and you can always settle outstanding payments early if you want. Reviewed on: 9th June 2024
Malwina Marjanovic's avatar
Malwina Marjanovic

Pay in 3

5
Excellent service to spread the cost of purchases, linked to My account so simple to use and not miss payments Reviewed on: 9th June 2024
Denno's avatar
Denno

Not a problem

5
I havent had any problems, i get an email reminding me what day my payment comes out, i make sure i have the funds in my account, the payment gets taken! No problem! Reviewed on: 9th June 2024
Derwin 's avatar
Derwin

Good manageable payment option

5
Good manageable payment option. Easy to navigate Reviewed on: 9th June 2024
Dan B's avatar
Dan B

Easy way to spread cost without getting ripped off

5
Easy way to spread cost without getting ripped off for doing so. Reviewed on: 9th June 2024
Combo's avatar
Combo

Smart spending

5
I've been using PayPal Pay in 3, and it's fantastic. It's easy to set up, splitting my purchases into three equal, interest-free payments. This helps me manage my budget better, especially for bigger buys. I appreciate the transparency—PayPal clearly shows the payment schedule and amounts, so no surprises. Plus, there are no hidden fees if I pay on time. It's accepted by lots of online stores, making shopping more flexible and stress-free. Overall, it's a great tool for smarter spending! Reviewed on: 9th June 2024
Viviana K's avatar
Viviana K

PayPal pay in 3 is brilliant for when you want to bu...

5
PayPal pay in 3 is brilliant for when you want to buy something and not spend the full amount in one go. PayPal credit is all good too, some purchases allow you 4 months to pay without paying interest Reviewed on: 9th June 2024
Luke M's avatar
Luke M

Easy to arrange, makes cashflow easier to manage

5
Easy to arrange, makes cashflow easier to manage Reviewed on: 9th June 2024
Charlotte N's avatar
Charlotte N

easy to use

5
A very easy to use feature, no hassle, no problems. Just click and you don't have to worry about it. It has also saved me many times when I was on a budget and didn't want to spend all my money at once. Reviewed on: 9th June 2024
Seb A's avatar
Seb A

Review PayPal: Pay in 3 now

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