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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (97628 reviews)

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4.76

Based on 97,552 reviews, last reviewed 10th Jul 2026

507% increase in 5 star reviews

in the past 90 days

470% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Very easy to use. Very easy to use. Very good to be able to take extra time to pay Reviewed on: 10th July 2026

Latest lowest rating:

1

Got scammed out of money and PayPal was no help at all. Got scammed out of money and PayPal was no help at all. Reviewed on: 10th 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 (97628)

Very easy to use

Very easy to use and great to spread the payments over time. It has helped me to buy things without the worry of a large sum leaving my bank account. Reviewed on: 8th June 2026

PayPal’s Pay in 3 is Excellent!

I have found I am able to keep an excellent credit score by using PayPal’s ‘Pay in 3’, I’ve found it useful and very convenient and PayPals app has been brilliant. Reviewed on: 8th June 2026

Easy purchasing

Makes a purchase easy and gives me peace of mind that it is all handled safely. Also sending monies to various companies/people is easy to do too. Reviewed on: 8th June 2026

PayPal pay in three so easy and convenient.

I use pay in three all year round. It is a brilliant service that allows me to make purchases just before pay day or before Christmas, allowing me to spread the cost and not all at once. I can make payments or pay off my pay in 3 purchases at anytime. Once I’m paid I usually clear my 3 payment purchases. Brilliant service, highly recommend. Reviewed on: 8th June 2026

I wouldn't buy without PayPal option available...

I wouldn't buy without PayPal option as I feel safe with purchase Reviewed on: 8th June 2026

Highly recommend

Very accurate on information given and often keep you up to date on when payments are due or what is going to be happening. Reviewed on: 8th June 2026

I love the pay in 3 you offer and feel my money is p...

I love the pay in 3 you offer and feel my money is protected by Paypal Reviewed on: 8th June 2026

I love how easy PayPal is to use.

I love how easy PayPal is to use. I regularly use Pay in 3 because it allows me to spread the cost of purchases while still having money left in my account at the end of the month. It has made some important purchases possible and has helped me manage my finances more comfortably. I also appreciate how understanding the service is. On one occasion, a payment was due from a secondary bank account that didn't have enough funds. Instead of receiving alarming messages, I was sent a gentle reminder and given the opportunity to add funds and retry the payment. It felt supportive rather than stressful, which I really valued. Reviewed on: 8th June 2026

Does what it says on the tin.

Does what it says on the tin. Good way to spread the cost at no extra cost, Reviewed on: 8th June 2026

Cost of living crisis - Great way to help finances

Use Pay-in-3 fairly regularly. Great way to split the charges interest-free, particularly during these hard times. I don’t feel PayPal don’t take advantage. Reviewed on: 8th June 2026

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