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PayPal: Pay in 3 reviews

4.93
Based on 38,039 reviews, last reviewed 23rd Apr 2026
1479800% increase in 5 star reviews
in the past 90 days
2900% increase in 1 star reviews
in the past 90 days
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Latest highest rating:

5

I’ve had a positive experience everytime I’ve used P... I’ve had a positive experience everytime I’ve used PayPal it’s so quick & easy I love using it on all my purchases. Reviewed on: 23rd April 2026
Craig S's avatar
Craig S

Latest lowest rating:

1

Paypal used to be great but not any more. Paypal used to be great but not any more. Money was taken from my account that wasn't authorised by me and for the past month I'm trying to sort it ou... Read more Reviewed on: 23rd April 2026
Maryam Z's avatar
Maryam Z

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 (38039)

Very easy to use

5
So efficient and very clear to use Reviewed on: 24th May 2024

Good service

5
I’ve used it for big purchases (electrical appliances) and it’s been handy when it’s come to being able to pay for these things. As long as you pay it off in time you’re good! Reviewed on: 24th May 2024

Excellent!

5
Excellent. Used this device a lot and I love it. Reviewed on: 24th May 2024

Very handy to split into 3 payments helps with purch...

5
Very handy to split into 3 payments helps with purchasing Reviewed on: 24th May 2024

Excellent service.

5
Excellent service that lets you buy things that you cannot afford in the moment but can long term. No prejudice they just sort you out and are proper good even if you’re struggling. Never had an issue and used it many times Reviewed on: 24th May 2024

So easy to use and would highly recommend

5
So easy to use and would highly recommend Reviewed on: 24th May 2024

An easy way to split your payments across three months

5
It is very convenient to split up your payment into three interest-free instalments over three months. Highly recommend where paypal is available for larger transactions. Reviewed on: 24th May 2024

3 months spending the cost

5
Spreading my payments over 3 months Let me get little treats for myself. Buying things that are a little more expensive last longer and therefore in the long run is cost effective . We all need little treats. I work hard and the repayment of 3 months let’s me budget and not get overextended. Reviewed on: 24th May 2024

I find pay in 3 very useful

5
I find pay in 3 very useful, as it helps to spread the cost of purchases over a period. I only ever use it on the zero percent option but their longer term plans are fairly good value too. I can think of numerous purchases I wouldn't have made had it not been for PayPal finance. Reviewed on: 24th May 2024

For when your car gives you troubles

5
Allows for higher price purchases to be spread over 3 months. Gives the flexibility to keep things like the car going when unforeseen issues occur and parts need ordering. Helps keep the monthly finances at a reasonable level. Reviewed on: 24th May 2024

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