Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (96004 reviews)

View other PayPal products

4.76

Based on 95,358 reviews, last reviewed 9th Jul 2026

506% increase in 5 star reviews

in the past 90 days

458% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

So easy with peace of mind for secure payment So easy with peace of mind knowing it is secure Reviewed on: 9th July 2026

Latest lowest rating:

2

The "Pay in 3" isn't useful. The "Pay in 3" function gets changed or revoked all the time. It's an unreliable service! It's never available when I would like to use it, yet it's a... Read more Reviewed on: 9th July 2026

Read all reviews Write a review

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 (96013)

PayPal pay option in 3

Feel PayPal helps with pay on 3 options if you are running low.Also it's helpful that you can have money back if u activate offers Reviewed on: 8th June 2026

Easy way to spread the cost of purchases

I’ve used PayPal Pay in 3 several times over the last year and have generally had a positive experience. The application process is quick, and I like that the payments are clearly displayed in the PayPal app so I can keep track of what’s due and when. Being able to split larger purchases into three interest-free payments has helped me manage my budget without needing to use a credit card. The checkout process is straightforward, and I appreciate receiving reminders before payments are taken. So far, payments have been collected on time without any issues, and I’ve found the service convenient for online shopping. My only suggestion would be to make eligibility decisions a little clearer, as there have been occasions where Pay in 3 wasn’t available for a purchase and the reason wasn’t obvious. Overall, it’s been a useful and reliable way to manage spending while maintaining flexibility. Reviewed on: 8th June 2026

Easy and safe

Easy to use, safe and secure and ability to spread payments helps to maximise finances. Reviewed on: 8th June 2026

Easy online payments & pay in 3 great option.

Very easy to make online payments with retailers who have PayPal as an option. Pay in 3 makes it possible to still make purchases on those months when money is a little tighter than usual. Reviewed on: 8th June 2026

Very quick and helpful great service

Very quick and helpful great service Reviewed on: 8th June 2026

Good payment system, easy to use, convenient, no fu...

Good payment system, easy to use, convenient, no fuss transactions ,safe and easy! Reviewed on: 8th June 2026

Pay in 3 is simple and tells me what I need to know.

Pay in 3 is simple and tells me what I need to know. I like the notice given before payments due. Reviewed on: 8th June 2026

PayPal,Pay in Three & PayPal Credit are a great system.

I’ve been using PayPal for years now, and the security its payment system gives is very reassuring. It’s not always available on every website, but where it is I’ve found that the various options of pay in full, Pay in Three, and PayPal Credit allow one to take advantage of an unexpected bargain, when ones funds aren’t always there at the right time. Many a time I’ve been able to seize a bargain using Pay in Three, and the approval is all but instantaneous, with clear details of payments and dates AND REMINDERS in advance of the next payments. Brilliant! Reviewed on: 8th June 2026

Highly recommend

I was using Pay in 3 few times already, I split car expenses, flight cost, house items, is very easy and convenient way to pay when you need look at every penny. Reviewed on: 8th June 2026

Every transaction with PayPal from day one with no i...

Every transaction with PayPal from day one with no issues, using it for many years now and hopefully for many more to come. Reviewed on: 8th June 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

nextpay
from Next 4.20 from 13 reviews
Pay Monthly Flights
from Awaymo 0.00 from 0 reviews
Buy Now Pay Later
from Butter 4.08 from 2 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 173628 reviews
Payments
from PayPal 4.70 from 3839 reviews
Credit card
from PayPal 4.70 from 120 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub