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PayPal: Pay in 3 reviews

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4.93
Based on 36,617 reviews, last reviewed 21st Apr 2026
1344900% increase in 5 star reviews
in the past 90 days
2500% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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Latest highest rating:

5

Simple to use and convenient. PayPal has been simple to use and convenient when paying between friends and family. The pay in 3 option helps spread the cost into more manageable pa... Read more Reviewed on: 21st April 2026
Michelle's avatar
Michelle

Latest lowest rating:

2

Sometimes people pay later or pay free doesn’t work Sometimes people pay later or pay free doesn’t work Reviewed on: 21st April 2026
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Ni
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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 (36617)

Excellent service

5
Service is excellent it relieves financial stress Reviewed on: 31st May 2024
Zesulwe 's avatar
Zesulwe

Staff very helpful always responding very quickly

5
Staff very helpful always responding very quickly Reviewed on: 31st May 2024
Zaneta's avatar
Zaneta

Easy way to pay ...

5
I love using PayPal, it’s that extra bit of security for making and receiving payments Reviewed on: 31st May 2024
Camille c's avatar
Camille c

PayPal is the best modern-day credit provider

5
PayPal is easily the best credit provider by a country mile. The Pay in 3 option means I can buy things I wouldn't be able to afford in a one off payment, without having to resort to a loan or credit card. Approval is incredibly quick and everything I need to know is on my dash. I use it very regularly and it has allowed me to purchase more expensive items and be in budget. Also, a very quick process for refund in the events where I have had to return an item that was purchased through Pay in 3 - no fuss, just done and they inform me once the money is back in my account Reviewed on: 31st May 2024
Charlie R's avatar
Charlie R

Great service

5
Positive experience and customer service always rectify any issues very quickly. Reviewed on: 31st May 2024
MJ's avatar
MJ

Affordable purchasing!

5
I bought a train ticket to go and see a friend who lives in Wales. Travelling from up North my train ticket (with the help of a railcard) was going to cost me £80 for a return. At the time, I could not afford the full price of this ticket - I noticed that I could use PayPal’s pay in 3 and all panic disappeared instantly! It meant that I was able to pay an affordable price over 3 months rather than having a large sum amount of my bank instantly. The money came out instantly and I was emailed each time the money was taken with an update on how long until it was fully paid off! Reviewed on: 31st May 2024
Jazz W's avatar
Jazz W

Easy to set up and 0% intrest,

5
Easy to set up and 0% intrest, it is so easy to do and also keeps your monthly out going cash low and manageable. The fact it is just a few clicks to set up is great and clearly states your payment schedule for easy access and also updates on payments made and still to come. I highly recommend this product from Paypal Reviewed on: 31st May 2024
Mark P's avatar
Mark P

Good credit limits and flexibility, I love pay in 3...

5
Good credit limits and flexibility, I love pay in 3 and feel secure using paypal too. It's widely available Reviewed on: 31st May 2024
El S's avatar
El S

Pay in 3 is ideal for those times where you need to...

5
Pay in 3 is ideal for those times where you need to spread the cost of an expensive purchase. Makes it even better being interest free. Will definitely use the service when it’s offered again. Reviewed on: 31st May 2024
DH's avatar
DH

What’s not to like about PayPal Pay in 3!

5
Really find the PayPal Pay in 3 helps me spread my payments and helps hugely with cash flow right now. Zero interest too it’s just so great Reviewed on: 31st May 2024
Rebecca's avatar
Rebecca

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