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 34,246 reviews, last reviewed 18th Apr 2026
1123200% increase in 5 star reviews
in the past 90 days
2300% 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:

5

Easy does it Easy to use and understand what is offered here. All very convenient too Reviewed on: 18th April 2026
IV's avatar
IV

Latest lowest rating:

1

When my booking. When my booking.com account was hacked and my PayPal account was used to book accommodation PayPal were very reluctant to refund my stolen money Reviewed on: 17th April 2026
Nigel O's avatar
Nigel O
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 (34246)

PayPal pay in three is so easy.

5
PayPal pay in three is so easy. Interest free. I love it! Reviewed on: 21st May 2024
Louise D's avatar
Louise D

Was very helpful to be able to split up the payments...

5
Was very helpful to be able to split up the payments over 3 instead of paying it all in one lump! Reviewed on: 21st May 2024
Joel D's avatar
Joel D

Easy and quick to use.

5
Easy and quick to use. Makes buying things a little easier during these tough times Reviewed on: 21st May 2024
Sonya N's avatar
Sonya N

Customer service is not the best.

5
Customer service is not the best. Sometimes they look for buzz words rather than listening to you. Reviewed on: 21st May 2024
Saydul A's avatar
Saydul A

We didn’t have to break the bank for a broken bed!

5
We had to unexpectedly replace a broken bed in a hurry. Pay in 3 meant we had a bigger and better range to choose from. Perfect solution when you haven’t budgeted for something Reviewed on: 21st May 2024
Gxxx3001's avatar
Gxxx3001

Great service and easy to access

5
Great service support and easy to apply and process immediately. Reviewed on: 21st May 2024
Mr W's avatar
Mr W

Convenient & great for purchases!

5
Really easy app to use. Use all of my payments through PayPal - I use the pay in 3 for nearly every purchase I make and it makes my bill expenditure easier to watch and justify. Reviewed on: 21st May 2024
Storm M's avatar
Storm M

Very easy and simple to use, I’ve used PayPal multip...

5
Very easy and simple to use, I’ve used PayPal multiple times for a pay in 3 payment and have never had any issues at all Reviewed on: 21st May 2024
Morgan D's avatar
Morgan D

Overall brilliant.

5
I was originally refused PayPal credit despite having a good credit rating, but since getting it its so easy to use. Most places have PayPal credit now and its really easy to manage with the app.The only problem I've encountered is choosing which purchases to pay off first before the interest free term ends.Monthly payments are just taken off the entire balance rather than the purchase that will begin to accrue interest earliest. Reviewed on: 21st May 2024
Anthony W's avatar
Anthony W

Handy to use the pay in 3 option to spread the cost...

5
Handy to use the pay in 3 option to spread the cost into much easier and more manageable payments. I have used this many times and it really helps especially at Christmas time. Reviewed on: 21st May 2024
Andy G's avatar
Andy G

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