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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (56304 reviews)

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4.76

Based on 56,304 reviews, last reviewed 2nd Jun 2026

3198600% increase in 5 star reviews

in the past 90 days

6300% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

It does what I need it to do. It does what I need it to do. I borrow, I pay back. Sorted Reviewed on: 2nd June 2026

Latest lowest rating:

1

Shockingly poor service Constantly taking extra payments, not sticking to agreements, suspending accounts randomly. Suddenly going from a very slick well used service to some... Read more Reviewed on: 2nd June 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 (56304)

I trust PayPal i feel safe when paying for things us...

I trust PayPal i feel safe when paying for things using PayPal, I have been with PayPal for at least 20 years.I don't have to think before i buy PayPal has my back.thank you PayPal. Reviewed on: 6th April 2026

Issues with forced currency exchange

Generally ok to pay within a single currency but the forced exchange other currencies even when I have a currency account (e.gm I live in UK and received dollars and I want tos end those dollars to my bank dollar currency account still in UK) was very frustrating, and there was no way to do it, basically I had to exchange to pounds and couldn't send dollars out Reviewed on: 6th April 2026

Easy to get product before pay day and spread over 3...

Easy to get product before pay day and spread over 3months Reviewed on: 6th April 2026

Wonderful experience, i would a recommend to all

Wonderful experience, i would a recommend to all Reviewed on: 6th April 2026

Very handy

Very handy when you need to buy something quickly pay it over 3 months with no interest Reviewed on: 6th April 2026

It's always been easy & helps with bigger p...

It's always been easy to use and helps with bigger purchases Reviewed on: 6th April 2026

PayPal customer service is excellent and all transac...

PayPal customer service is excellent and all transactions are easy to make and secure Reviewed on: 6th April 2026

Safe payment method

Always good and generally fair on most issues although have had some bad decisions Reviewed on: 6th April 2026

Very simple and trustworthy worthy platform

Very simple and trustworthy worthy platform Reviewed on: 6th April 2026

Convenient way to spread costs

PayPal Pay in 3 is a convenient way to spread the cost of purchases into three interest-free payments, making it easier to manage your budget. It’s simple to use at checkout, offers quick approval, and doesn’t charge late fees or interest, which is a big plus. However, the option can suddenly disappear or be declined without a clear explanation. This can be frustrating, especially if you’ve used it reliably before. Overall, it’s a useful and flexible payment option for short-term spending, Customer service is good also. Reviewed on: 6th April 2026

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