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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101057 reviews)

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4.76

Based on 101,053 reviews, last reviewed 15th Jul 2026

510% increase in 5 star reviews

in the past 90 days

464% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Always good customer service, have always had any is... Always good customer service, have always had any issues sorted swiftly Reviewed on: 15th July 2026

Latest lowest rating:

1

Pay in 3 Pay in 3 change card details due to issuing new card. didn’t take payment , checked all correct … number our conversations, still sent to Collections!... Read more Reviewed on: 14th 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 (101057)

It’s so convenient and reliable.

It’s so convenient and reliable. Definitely great for those situations where spreading the cost takes a little pressure off you financially. Excellent if used sensibly! Reviewed on: 9th June 2026

Pay in 3 iIs a great service.

Pay in 3 iIs a great service. Ea Reviewed on: 9th June 2026

Been using PayPal for some time and very happy with...

Been using PayPal for some time and very happy with the service Reviewed on: 9th June 2026

PayPal review

PayPal are quick and convenient. As well as helpful and professional. Reviewed on: 9th June 2026

Paypal pay in 3 is quick and easy to use, making pur...

Paypal pay in 3 is quick and easy to use, making purchases manageable with clear and regular instalments. It's a great option for spreading the cost without added stresses and really helps organising finances while staying in control of spending. Reviewed on: 9th June 2026

Smooth transactions

Smooth transactions, well embedded in to payment cycle Reviewed on: 9th June 2026

AI not for everyone

Only had a few times I’ve needed to speak to a customer service assistant it’s hard to get threw to anyone otherwise very good Reviewed on: 9th June 2026

very positive experience

I've had a very positive experience using PayPal's Pay in 3 service several rimes over the last year. As I am on a very small budget, being able to spread the cost of purchases across 3 interest-free instalments has made it possible for me to buy higher-value items when needed. It's a simple and convenient way to manage my budget without having to pay the full amount upfront. I also appreciate that PayPal sends payment reminders before each instalment is due, which helps me stay organised and not get caught out by forgotten payments due. The process has always been straightforward, and I've never experienced any issues with the Pay in 3 service itself. In addition, I've found PayPal's customer service to be excellent whenever I've needed assistance with other matters. They've been helpful and given a timely response, which gives me confidence when using their services overall. The only improvement I would like to see is the introduction of additional payment options, such as Pay in 6 or Pay in 12. This would make it easier to spread the cost of larger purchases over a longer period without incurring extra charges. I highly recommend PayPal which I have found it to be reliable, and user-friendly Reviewed on: 9th June 2026

Makes paying large bills, like heating oil, manageab...

Makes paying large bills, like heating oil, manageable by using PayPal in 3, no interest. Very good Reviewed on: 9th June 2026

Preferred method of payment

I’ve been using PayPal for years, and it has become my preferred method of payment whenever I shop online. The combination of security, ease of use, and buyer protection gives me real peace of mind. In fact, I’m often hesitant to purchase from stores that don’t offer PayPal, simply because I don’t feel as confident entering my card details elsewhere. PayPal consistently feels like the safest and most reliable way to pay, and the convenience of checking out quickly without sharing financial information with every retailer is invaluable. Highly recommended for anyone who values security and a smooth online shopping experience. Reviewed on: 9th June 2026

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