Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 37,677 reviews, last reviewed 23rd Apr 2026
1445100% increase in 5 star reviews
in the past 90 days
2800% 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

PayPal is always available PayPal has always been very accessible and the website easy to navigate. It offers a number of ways to pay like spreading the cost and it is a payment... Read more Reviewed on: 23rd April 2026
Helen P's avatar
Helen P

Latest lowest rating:

1

Still not allowed PayPal credit and I used to always... Still not allowed PayPal credit and I used to always use pay In 3 but now everytime I use it, it never works then I have to wait for the money to come... Read more Reviewed on: 22nd April 2026
Ceolric R's avatar
Ceolric R

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. Write a review

PayPal Pay in 3 reviews (37677)

Quick and easy to use!

5
Quick and easy to use! Very clear about the plan that you are setting up. Reviewed on: 23rd May 2024

Spread the cost at no extra loss

5
It works just as it says. Helps spread the payment - no added cost Reviewed on: 23rd May 2024

Easy but could be better.

4
Easy but could be better. Customer service is helpful but can’t request for credit limit increases and leaves a hard search on the credit file when applying. Reviewed on: 23rd May 2024

I think pay in 3 is a great idea to spread the cost...

5
I think pay in 3 is a great idea to spread the cost for families. Reviewed on: 23rd May 2024

Used lots of times and make spreading the cost of it...

5
Used lots of times and make spreading the cost of items easier for me. Great service. Reviewed on: 23rd May 2024

Always a positive experience

5
I always feel more secure using PayPal than inputting my bank details to every website. If there’s ever an issue customer services always help get your money back swiftly. Reviewed on: 23rd May 2024

Easy to use app and services.

5
Easy to use app and services. Accepted at a lot of retailers Reviewed on: 23rd May 2024

Pay in 3 is so convenient.

5
Pay in 3 is so convenient. I can order something relatively expensive and instead of a large amount coming out of my bank account, 3 smaller payments are not so noticeable. Reviewed on: 23rd May 2024

I've used pay in 3 a few times to cover costs while...

5
I've used pay in 3 a few times to cover costs while waiting for payday or to just make a cost more managable and have found it quick, simple and easy to use. Reviewed on: 23rd May 2024

Always quick and simple to use.

5
Always quick and simple to use. I feel I can trust them. Reviewed on: 23rd May 2024

Review PayPal: Pay in 3 now

Help others make smarter decisions by sharing your own experience. Write a review