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PayPal: Pay in 3 reviews

4.76
Based on 72,357 reviews, last reviewed 17th Jun 2026
4706700% increase in 5 star reviews
in the past 90 days
8800% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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Latest highest rating:

5

Easy to register and use lots of retailers offer Pay... Easy to register and use lots of retailers offer PayPal as a payment with a one click checkout and buyer protection. Merchants never see your card det... Read more Reviewed on: 17th June 2026
Sue D's avatar
Sue D

Latest lowest rating:

1

Never bloody works says I can have pay in 3 and then... Never bloody works says I can have pay in 3 and then it’s not available! Messes things up all the time Reviewed on: 17th June 2026
Row's avatar
Row

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 (72357)

No issues easy to use

5
No issues easy to use. Convenient and quick Reviewed on: 26th April 2026

10 out of 10 , makes the purchases a lot easier

5
10 out of 10 , makes the purchases Reviewed on: 26th April 2026

Couldn’t use PP Debit for a month

1
Card declined and I couldn’t use the service for a month even after speaking to what seems like every department on the phone. Then one day it’s working again, I didn’t get a follow up to say what was wrong or anything. Now today I wake up with another decline when there’s clearly money in my connected account. Reviewed on: 26th April 2026

Works seamlessly

5
Works seamlessly - lots of vendors and retailers adopting the service - easy to use with clear, concise instructions with how payment are split and how they get paid back - with an option to clear earlier if you want to. customer support is very helpful if you get stuck and need a hand as well and pretty easy to get in touch with. Reviewed on: 26th April 2026

Easy to use.

5
Easy to use. Helpful to spread costs, Reviewed on: 26th April 2026

Great for my use

5
It allows me to send and receive money quickly, making it especially useful for online shopping and international transactions. The interface is generally user-friendly, and its buyer protection policies offer an added layer of security. However, fees can sometimes be higher compared to other services, and account limitations or holds may occur unexpectedly. Overall, PayPal remains a reliable option for digital payments, particularly for me who value accessibility and global reach. Reviewed on: 26th April 2026

Very good I don’t have problem using it

5
Very good I don’t have problem using it Reviewed on: 26th April 2026

Pay pal helps Tecnodinosaur!

5
I have found Pay pal to be my 'go to' for purchasing because it protects, supports and have really helpful people who can sort out your problems. AS a pensioner with little tech saviness Pay pal give me confidence and are always there when I get it wrong. Reviewed on: 26th April 2026

Highly recommend

5
I've been using Paypal for a long time, and I have never experience any issues spreading out my 'pay in 3' payments, which has been very especially if I did not have the cash to pay in full upfront. I also like the way they immediately show on the credit reference files that I have completed my 'pay in 3' in full. Other pay later companies tend to make it slightly difficult to be accepted on the 'pay in 3', and this can be very off putting. Reviewed on: 26th April 2026

Great option for splitting payment

4
Love the pay in 3 option with no added fees. Reviewed on: 26th April 2026

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