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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (76394 reviews)

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4.76

Based on 76,394 reviews, last reviewed 26th Jun 2026

5091300% increase in 5 star reviews

in the past 90 days

9400% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

It was really good and helpful, it helped me put It was really good and helpful, it helped me put Reviewed on: 26th June 2026

Latest lowest rating:

1

The whole experience has been terrible! The whole experience has been terrible! I returned an item as advised by paypal because it was not as described but paypal continued take the pay in ... Read more Reviewed on: 26th 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 (76394)

Very easy to use.

Very easy to use. The amount is clear and good reminders ahead of time Reviewed on: 29th April 2026

the pay in three

Great way to pay for items I love the pay in three option Reviewed on: 29th April 2026

PayPal The Dependable Payment Service and Plan

I have found this service to be convenient as some times I come across item as at a time that I might not have funds for the full price. Purchasing items through the PayPal service allows me to buy gifts, accessories without financial strains. The process is very reliable because if I have funds available I can pay for the 2nd or 3rd payment earlier therefore clearing my debt or arrears comfortably. I love the service and I have benefited from it. Reviewed on: 29th April 2026

Pay in 3 is a lifesaver.

Pay in 3 is a lifesaver. It opens up a more affordable way to pay for the bigger purchases that can be essential or urgent, e.g washing machines etc… I’ve never had any trouble when it comes to receiving refunds. In fact I think it’s quicker to receive the money as there is no waiting 3-5 days for it to go through banks. I honestly don’t know what I’d do without pay in 3, it’s simply fantastic. Reviewed on: 29th April 2026

Satisfaction.

I get peace of mind. Confirmation of purchases. Reviewed on: 29th April 2026

Never had a bad experience with Paypal.

Never had a bad experience with Paypal. Always good to their customers Reviewed on: 29th April 2026

Easy to use

Easy to use and great service. App works well and most businesses are now using PayPal. Reviewed on: 29th April 2026

THE MOST LIKE FEAUTURE FOR ME IS PAY IN 3.

THE MOST LIKE FEAUTURE FOR ME IS PAY IN 3. MAKES LIFE SO MUCH EASIER. THERE ARE PRODUCTS THAT I WOULD NOT BE ABLE TO BUY AS ONE PAY OFF. WITH PAPAL IT IS AFFORDABLE AND DOESNT COST MORE. ALSO I AM VERY PLEASED THAT I CAN COLLECT POINTS AND THEN USED THEM FOR SHOPPING. I MOVED MOST OF MY BILLS TO PAYPAL. Reviewed on: 29th April 2026

Convenient interest-free payments.

Experience: I have been using PayPal’s "Pay in 3" feature for several months now, primarily for online clothing and electronics purchases. Features & Benefits: The setup is incredibly smooth. Since I already have a PayPal account, the option usually appears automatically at checkout. I appreciate that the first payment is taken immediately, followed by two more payments in the subsequent months. It is a great way to spread the cost of larger items without paying any interest or hidden fees, which helps with my monthly budgeting. The app interface is also very clear, showing exactly when my next payment is due. Drawbacks: However, there are a few downsides. The eligibility check is performed for every individual purchase, so even if you have used it before, you might be declined for a new transaction without a clear reason why. Additionally, if you need to return an item, the refund process can be a bit slow as it has to clear through the merchant and then back through PayPal’s installment system, which sometimes causes a temporary overlap in payments. Overall, it’s a reliable and honest tool for managing expenses, provided you stay on top of your schedule and understand that approval isn't always guaranteed. Reviewed on: 29th April 2026

Good to have

Allways a great to have in your corner from paying in 3 to helping with disputes when ordering online doesn’t always go to plan Reviewed on: 29th April 2026

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