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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (98850 reviews)

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4.76

Based on 98,602 reviews, last reviewed 12th Jul 2026

508% increase in 5 star reviews

in the past 90 days

490% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Love PayPal and how easy it is to split payments x3... Love PayPal and how easy it is to split payments x3 (no interest!) However my main reason for using PayPal is that I know my purchase is covered from ... Read more Reviewed on: 12th July 2026

Latest lowest rating:

1

Most times I’m unable to use Pay in 3 Most times I’m unable to use Pay in 3 Reviewed on: 12th July 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 (98858)

Quickly cash

I’ve been using PayPal for over 10 years now, both as a regular shopper and occasionally for selling items online, and it’s definitely my go-to payment method for almost everything I buy or sell on the internet. What I love most is how widely accepted it is — almost every online store, marketplace, or small business takes it, and checkout is always super fast and easy. I never have to type out my card details or worry about them getting shared with sellers, which gives me real peace of mind. Their Buyer Protection has saved me twice when items never arrived or were completely different from what was advertised; the process was straightforward, I just uploaded proof and got my money back within a week. Sending money to friends or family is also simple and free if you use your bank balance — perfect for splitting bills or sending cash quickly. That said, it’s not perfect. The fees really add up, especially if you sell things or receive payments from other countries. For every sale, you lose nearly 3% plus a fixed fee, and international transfers or currency conversions are way more expensive than using services like Wise or Revolut. If you’re a small seller or freelancer, that can eat into your profit quite a lot. Another big downside: account holds and restrictions. When I started selling more regularly, they put a 21-day hold on all my incoming money “for security reasons”. I understood why, but it was really annoying not being able to access my own funds immediately, and getting it released early took a lot of back and forth with support. Speaking of support — it’s hit or miss. Sometimes I get a helpful reply quickly, other times it takes days, and it’s hard to reach a real person instead of automated messages. Overall though, I still use it every day. Nothing beats the trust, safety, and how easy it is to use everywhere. If you shop mostly or only use it for personal payments, it’s brilliant. If you run a business or do lots of international work, just be aware of the costs and keep records so you don’t run into issues. Would I recommend it? Yes — just know what you’re paying for. Reviewed on: 9th June 2026

Apart from 1 experience , i always had good experie...

Apart from 1 experience , i always had good experience, that experience last year I have been scammed by an Indian jewellery shop, they chag3d me more than it has been mentioned and send me something not ordered, but paypal didn't helped Reviewed on: 9th June 2026

Paypal I good

Always good for exchanging and paying for goods securely Reviewed on: 9th June 2026

of pay in three installments I am able to af...

Because of pay in three installments I am able to afford expensive essentials eg a new washing machine.It also allows me to budjet for christmas and be able to spread the cost on a luxury gift. Also being housebound my shopping is always online and I feel secure from fraud using paypal rather directly from my bankcard its an extra level of security should there be any disputes. Paypal can also track dispatches and deliveries.. Reviewed on: 9th June 2026

It's a great service.

It's a great service. The reminders are helpful. Just ensure you have enough money! Reviewed on: 9th June 2026

Very accessible, no interest, great availability.

Very accessible, PayPal pay in 3 is available on most online checkouts and is very easy to set up. What makes it even better is that there is no interest on payments and there is a section on the app to clearly view how much is owed plus what dates the payments are. Reviewed on: 9th June 2026

Surviving the inevitable increases of a budget.

I survive on benefits because I am disabled. One week out of four, I get no money. Therefore I budget my needs across the whole month. Being able to pay for things over a short amount of time means that HOPEFULLY I should have money for bills. Reviewed on: 9th June 2026

I have really great experience with PayPal , there w...

I have really great experience with PayPal , there was a time I got scummed online but PayPal helped me get my money back with in few days and I’m grateful for that. The service is fast and free that’s amazing . Reviewed on: 9th June 2026

Great payment tool.

I've been using PayPal for over 10 years, it's great! I recommend. Reviewed on: 9th June 2026

Sales and purchases have been ecellent.

Sales and purchases have been ecellent. Reviewed on: 9th June 2026

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