Write a review

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.93 (49055 reviews)

View other PayPal products

4.93

Based on 49,055 reviews, last reviewed 10th May 2026

2518600% increase in 5 star reviews

in the past 90 days

4900% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Great option Great option to pay in 3, affordable Reviewed on: 10th May 2026

Latest lowest rating:

2

Pay in 3 is just a pain. Pay in 3 is just a pain.....happy to pay by debit card Reviewed on: 10th May 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 (49055)

Affordability

Using pay in 3 helps me a lot as I am on a tight budget. Makes it more affordable. Reviewed on: 28th May 2024

I have used PayPal credit for a long time and I will...

I have used PayPal credit for a long time and I will try my best to pay with PayPal for all my online shopping needs. Reviewed on: 28th May 2024

Super easy to use.

Super easy to use. Very helpful for me when times are hard to purchase big stuff Reviewed on: 28th May 2024

It was easy to setup.

It was easy to setup. Gives you peace of mind knowing you still have PayPal protection. Reminders a few days before payment was collected were very useful. I am definitely going to use it again! Thank you Reviewed on: 28th May 2024

I've recently moved in to a new house after a relati...

I've recently moved in to a new house after a relationship breakdown and have had to start from scratch, so needed appliances that were looking to be out of reach while I got my finances in order (my industry has also suffered greatly for nearly two years now too, so I need to be careful with my outgoings) and Pay In 3 has made this possible as I can budget a lot easier with the plans in place, making sure my money is evenly distributed. Reviewed on: 28th May 2024

Can't get a line of credit, no problem - Pay in 3!!

For someone who has moved to the UK from Australia and cannot get a line of credit Pay in 3 has been incredibly helpful and also helping to build an excellent credit score. Reviewed on: 28th May 2024

simple, easy to use & safe

everything is very simple, well explained and works perfectly, never had an issue, also have confidence that your payments are safe. Reviewed on: 28th May 2024

Excellent Service with PayPal Pay in 3

Excellent Service with PayPal Pay in 3 PayPal Pay in 3 has been an absolute game-changer for my shopping experience. I give it a well-deserved 5 stars! Firstly, the convenience it offers is unparalleled. Breaking down payments into three manageable installments makes budgeting so much easier. Whether it's for a big purchase or a few smaller ones, spreading the cost over a few months is a huge relief. The process is incredibly simple and straightforward. With just a few clicks, I was able to set up the payment plan without any hassle. Secondly, the transparency of the service is commendable. There are no hidden fees or surprises. The terms are clearly outlined, and I know exactly what I'm paying and when. This level of clarity builds a lot of trust and makes me feel secure using the service. Moreover, the flexibility it provides is fantastic. It allows me to make purchases that I might have otherwise postponed. This has been especially helpful during times when cash flow is a bit tight, but I still need to make necessary purchases. Customer support has also been top-notch. Any questions I've had were promptly answered by their helpful team. It's reassuring to know that there's always someone ready to assist if needed. In conclusion, PayPal Pay in 3 has made my shopping experience much more manageable and stress-free. It's a reliable, user-friendly service that I highly recommend to anyone looking to spread out their payments. Five stars all the way! Reviewed on: 28th May 2024

Smooth and Dependable

Smooth. Seamless. Simple. Dependable. What more could anyone ask for? Reviewed on: 28th May 2024

Pay in 3 is very convenient.

Pay in 3 is very convenient. I use it often to spread out interest-free payments instead of using my credit card. It really helps with big purchases which would ordinally cost more due to interest fees. Reviewed on: 28th 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

Alternative products

Pay Monthly Flights
from Awaymo 0.00 from 0 reviews
Klarna card
from Klarna 4.29 from 3 reviews
Retail finance
from Buyline 4.50 from 14 reviews

Want to see more from PayPal?

Payments
from PayPal 4.91 from 3710 reviews
Credit card
from PayPal 4.90 from 81 reviews
PayPal Credit
from PayPal 4.90 from 103800 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