Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (80521 reviews)

View other PayPal products

4.76

Based on 80,407 reviews, last reviewed 6th Jul 2026

669% increase in 5 star reviews

in the past 90 days

543% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Quick and efficient. Quick and efficient. The decision is almost instant and I have never had any issues with PayPal pay in 3. Reviewed on: 6th July 2026

Latest lowest rating:

2

PayPal is no longer competitive. PayPal is no longer competitive there are many more options out there that to way better job so PayPal needs to review their competitors and improve t... Read more Reviewed on: 6th July 2026

Read all reviews Write a review

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 (80521)

Make spreading my cost so easy for something special

Make spreading my cost so easy for something special Reviewed on: 28th April 2026

Good customer service , always able to help and

Good customer service , always able to help and Reviewed on: 28th April 2026

Useful in many ways

PayPal is great for sending and receiving money from friends. I often make use of the pay in three option too for bigger purchase, it’s great being able to spread the cost out without incurring any extra costs like you would with putting it on a credit card. Reviewed on: 28th April 2026

Most reliable 5 stars

I rated maximum because I had problems with sellers before and I found PayPal customer service absolutely helpful and polite. I now know that if I have any troubles, PayPal will seriously look into it. I don't feat my money are at risk with PayPal. I stopped using other companies as from all I've used, Paypal is the one I can trust and provides attractive services/plans as well. Reviewed on: 28th April 2026

Their customer is their priority

I’ve been a customer for many years and have always found the customer service to be excellent. Whenever I have encountered a problem their strategies have been favourable and fair. A trusted company in my experience. Reviewed on: 28th April 2026

My experience with PayPal has been excellent.

My experience with PayPal has been excellent. It is one of the best financial services I have used, as it is reliable, secure, and easy to use for payments and transfers. I am very satisfied with the service and I regularly recommend it to my friends and family. I speak positively about PayPal every day because of the great experience I have had. Reviewed on: 28th April 2026

Love that you are awarded for your purchases.

Love that you are awarded for your purchases. The simplicity of the app and how user friendly it is. I like how it feels personal for me. I feel secure when I use PayPal and love that I can see transactions clearly. The only thing I don't like is that it takes couple days for transactions to come off my card so I need to remember to make sure I don't accidentally spend the money requires to cover the transactions. Reviewed on: 28th April 2026

Simplicity

Simple to use and very convenient. Always to hand and wouldn't be without it Reviewed on: 28th April 2026

Inconsistent acceptances for feature of pay in 3, ne...

Inconsistent acceptances for feature of pay in 3, never missed a payment, credit rating only improved and salary increased significantly 24k-£38,869 in 18 months and still occasionally rejected buying the same or similar value items from a pay in 3 approved retailer . Customer service can’t provide reasoning as to why or how to improve chances of acceptance … total shot in the dark Reviewed on: 28th April 2026

Always extremely helpful.

Always extremely helpful. Gives me confidence when shopping. Reviewed on: 28th April 2026

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

Alternative products

Retail finance
from Buyline 4.38 from 26 reviews
Buy Now Pay Later
from Etika 4.80 from 663 reviews
Pay Monthly Flights
from Awaymo 0.00 from 0 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 149816 reviews
Payments
from PayPal 4.71 from 3760 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub