Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 48,324 reviews, last reviewed 9th May 2026
2450700% increase in 5 star reviews
in the past 90 days
4900% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

First choice for online payments When I buy something online PayPal is always my first choice for payment. The security of knowing your money is safe is very reassuring. Reviewed on: 9th May 2026
Robert M's avatar
Robert M

Latest lowest rating:

2

Sometimes hard to get refunded when dodgy sellers ge... Sometimes hard to get refunded when dodgy sellers get throu alot of having to prove this and that to prove eathier item didnt show or damaged security... Read more Reviewed on: 9th May 2026
Kerry R's avatar
Kerry R

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 (48324)

I've used pay in 3 a few times, good service

5
I've used pay in 3 a few times when I didn't feel like paying the full cost upfront. 2 months is a nice buffer to spend a bit without it feeling like a long credit agreement Reviewed on: 27th May 2024

The service is good but would be better if you coul...

5
The service is good but would be better if you could pick the three payment dates. Reviewed on: 27th May 2024

Excellent

5
Peace of mind when needing something that little bit more expensive being able to split into 3 and it doesn't impact so much! Reminders at the relevant time are great. Had to use the customer service team once, they were helpful and knowledgeable. Reviewed on: 27th May 2024

no complaints at all!

5
no complaints at all!! pay in 3 makes paying for things much easier... i have had no issues and making payments it super easy. payments simply come out of my account as and when theyre due meaning i dont have to think about it at all... genuinely love it :) Reviewed on: 27th May 2024

Never had an issue with PayPal 3.

5
Never had an issue with PayPal 3. Even if you miss your payment they are very polite and not making a big fuss about it. Reviewed on: 27th May 2024

Very convenient when works.

4
Very convenient when works. Often on many sites, it doesnt show up as an option and that not very ideal Reviewed on: 27th May 2024

Pay in 3 is not available for me and i don't know why.

1
Pay in 3 is not available for me and i don't know why. I ring customer support they don't provide me the answer. Very disappointed customer !!! Reviewed on: 27th May 2024

Paypal pay in 3 is the best Option for me!

5
Paypal is my go to form of payment. I feel it's Accessible as a disabled person. The pay in 3 option is excellent, secure and helps me to budget responsibly. It is very informative and transparent so that you know what you are agreeing to. I hope the option becomes available on a lot more platforms. Reviewed on: 27th May 2024

Paypal pay in 3 is a great way to budget and pay for...

5
Paypal pay in 3 is a great way to budget and pay for those items that are a little more expected than a monthy wage allows. Reviewed on: 27th May 2024

Really help when needed.

5
Really help when needed. PayPal is very reliable at all times to me. I've recommended PayPal to many people and they can testify that that PayPal is worthy having. Reviewed on: 27th May 2024

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

Want to see more from PayPal?

  • Payments

    from PayPal 4.91 from 3709 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 80 reviews
    PayPal
  • PayPal Credit

    from PayPal 4.90 from 102373 reviews
    PayPal
    View all products