Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (79718 reviews)

View other PayPal products

4.76

Based on 79,574 reviews, last reviewed 4th Jul 2026

5393200% increase in 5 star reviews

in the past 90 days

10200% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

My go to for purchases that cost that little bit more Nearly every time i make a purchase that costs a little bit more, i turn to Paypal Pay in 3. Its so easy to use, i know exactly what ill be paying as ... Read more Reviewed on: 4th July 2026

Latest lowest rating:

1

i was able to use it and now it doesnt even show up... i was able to use it and now it doesnt even show up for any merchants Reviewed on: 3rd 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 (79718)

It gives me peace of mind to know if anything goes w...

It gives me peace of mind to know if anything goes wrong you've got my back. Reviewed on: 26th April 2026

No issues easy to use

No issues easy to use. Convenient and quick Reviewed on: 26th April 2026

10 out of 10 , makes the purchases a lot easier

10 out of 10 , makes the purchases Reviewed on: 26th April 2026

Couldn’t use PP Debit for a month

Card declined and I couldn’t use the service for a month even after speaking to what seems like every department on the phone. Then one day it’s working again, I didn’t get a follow up to say what was wrong or anything. Now today I wake up with another decline when there’s clearly money in my connected account. Reviewed on: 26th April 2026

Works seamlessly

Works seamlessly - lots of vendors and retailers adopting the service - easy to use with clear, concise instructions with how payment are split and how they get paid back - with an option to clear earlier if you want to. customer support is very helpful if you get stuck and need a hand as well and pretty easy to get in touch with. Reviewed on: 26th April 2026

Easy to use.

Easy to use. Helpful to spread costs, Reviewed on: 26th April 2026

Great for my use

It allows me to send and receive money quickly, making it especially useful for online shopping and international transactions. The interface is generally user-friendly, and its buyer protection policies offer an added layer of security. However, fees can sometimes be higher compared to other services, and account limitations or holds may occur unexpectedly. Overall, PayPal remains a reliable option for digital payments, particularly for me who value accessibility and global reach. Reviewed on: 26th April 2026

Very good I don’t have problem using it

Very good I don’t have problem using it Reviewed on: 26th April 2026

Pay pal helps Tecnodinosaur!

I have found Pay pal to be my 'go to' for purchasing because it protects, supports and have really helpful people who can sort out your problems. AS a pensioner with little tech saviness Pay pal give me confidence and are always there when I get it wrong. Reviewed on: 26th April 2026

Highly recommend

I've been using Paypal for a long time, and I have never experience any issues spreading out my 'pay in 3' payments, which has been very especially if I did not have the cash to pay in full upfront. I also like the way they immediately show on the credit reference files that I have completed my 'pay in 3' in full. Other pay later companies tend to make it slightly difficult to be accepted on the 'pay in 3', and this can be very off putting. Reviewed on: 26th 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

Buy Now Pay Later
from Etika 4.80 from 663 reviews
Retail finance
from PayItMonthly 4.80 from 275 reviews
next 3step
from Next 4.18 from 5 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 148724 reviews
Payments
from PayPal 4.71 from 3759 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