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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (98721 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 (98722)

I've found PayPal Pay in 3 to be a useful option whe...

I've found PayPal Pay in 3 to be a useful option when I don't want to spend a large amount of cash all at once. I use it sparingly, as I generally believe that if you can't afford something, ask yourself if your really need it, If I choose to get it then it's better to save up for it first. That said, there are occasions when it comes in handy, whether for a service I need or an occasional well-earned treat. Applying is straightforward, payments are clearly scheduled, and I've found it easy to manage through my PayPal account. Used responsibly, it's a convenient way to spread the cost of purchases without putting unnecessary strain on my finances. Reviewed on: 8th June 2026

Paypal-Pay in 3 is easy to navigate.

Paypal-Pay in 3 is easy to navigate. They divide the payments for me and breaking down payments to smaller payments helps me to buy things that I love but can't pay out right. Also the refund procedure is easy too. Paypal 3 also send out regular notifications about how much is due and more importantly when payments are due so you can plan your payment ensuring you have enough money to cover it. I love that the payments are interest free. Reviewed on: 8th June 2026

My trust for online shopping

I actually won’t purchase online if they don’t allow PayPal Reviewed on: 8th June 2026

It is so easy to use.

It is so easy to use. I started 'Pay in 3' a long time ago. Now I use it on larger purchases. It saves me money by not spending a lump sum in one go. And the best part is it doesn't cost me anything. It is a Win Win for me! Reviewed on: 8th June 2026

The Triumph of PayPal's Three Tiered Payment Plan

I am able to buy items and goods quickly while spreading the cost of payment, without incurring any fees or interest. The PayPal app makes this easy to use and understand. Reviewed on: 8th June 2026

Easy to use !

Easy to use ! Open 24/7 always there….. easy to check on transactions, help Friends and Family with no charges . Accessible fast and easy to use. Reviewed on: 8th June 2026

I have been using since 2005&6.

I have been using since 2005&6. It’s been reliable Reviewed on: 8th June 2026

I have always had good service from paypal

I have always had good service from paypal Reviewed on: 8th June 2026

24x7 There, Consistent & Reliable

PayPal is always there, always consistent and always reliable 24x7 Reviewed on: 8th June 2026

I love it, I use it to spread the cost of larger amo...

I love it, I use it to spread the cost of larger amounts across three payment so I can budget for them. It’s always easy to opt for P in 3 and I’m always reminded the payment is due to come out. would definitely recommend to others. Reviewed on: 8th June 2026

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