Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 37,479 reviews, last reviewed 22nd Apr 2026
1426100% increase in 5 star reviews
in the past 90 days
2600% 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

Pay in 3 has been very helpful to me! Pay in 3 has been very helpful to me in being able to purchase slightly larger items that I would normally get caught up in high interest situations w... Read more Reviewed on: 22nd April 2026
Peppa's avatar
Peppa

Latest lowest rating:

2

Extremely difficult to navigate through the payment... Extremely difficult to navigate through the payment options. Agreed payments and terms, when checking out on an online store the authoration fails? Reviewed on: 22nd April 2026
Jo's avatar
Jo

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 (37480)

So easy to use and allow budgeting for slightly larg...

5
So easy to use and allow budgeting for slightly larger purchases… Reviewed on: 11th May 2024

Overall excellent job an opportunity to meet the fin...

5
Overall excellent job an opportunity to meet the financial needs at your finger tips Reviewed on: 11th May 2024

psypal very helpful especially pay in 3

5
Find psypal very helpful especially pay in 3 Reviewed on: 11th May 2024

Couldn’t live without it!

5
I have never had any trouble with this method of payment. The credit doesn’t stack up as it’s set to auto pay every month. It’s my preferred method of payment to simplify expenses it’s easier to manage some big payments when it’s split in 3. The customer service is also fantastic not only has the help I’ve been give been generally good but the wait time on a call are fantastic considering the size of the company. Overall couldn’t live without it. Reviewed on: 11th May 2024

It was very helpful to me and it is the...

5
It was very helpful to me and it is the best option Reviewed on: 11th May 2024

Ease if use is crucial

5
So easy to use, highly recommend to anyone. Makes payment for more expensive items much more manageable. Doesn't feel as bad as having longer term debt. I have used several times and will continue using. Reviewed on: 11th May 2024

My experience with PayPal is wonderful service, very...

5
My experience with PayPal is wonderful service, very easy to do shopping online or in store and very reliable to pay or refund fees Reviewed on: 11th May 2024

Very helpful and comes in handy.

5
Very helpful and comes in handy. Reviewed on: 11th May 2024

By using PayPal Pay in 3 I am able to buy things I c...

5
By using PayPal Pay in 3 I am able to buy things I couldn’t afford to buy at no extra cost Reviewed on: 11th May 2024

Better is 4 in 1 Or 5 in 1 or...

4
Better is 4 in 1 Or 5 in 1 or 6 in 1 Reviewed on: 11th May 2024

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

Want to see more from PayPal?

  • PayPal Open

    from PayPal 5.00 from 4 reviews
    PayPal
  • Credit card

    from PayPal 4.92 from 64 reviews
    PayPal
  • Payments

    from PayPal 4.92 from 3682 reviews
    PayPal
    View all products