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PayPal: Pay in 3 reviews

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4.93
Based on 49,120 reviews, last reviewed 11th May 2026
2524800% 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%
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1%
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0%
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0%

Latest highest rating:

5

I've been using pay in 3 for months and it makes bud... I've been using pay in 3 for months and it makes budgeting so much easier and simple things so much more affordable. It has been especially helpful wh... Read more Reviewed on: 11th May 2026
katie wyeth's avatar
katie wyeth

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
Ali's avatar
Ali
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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 (49120)

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

5
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
Laura S's avatar
Laura S

simple, easy to use & safe

5
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
Matthew N's avatar
Matthew N

Excellent Service with PayPal Pay in 3

5
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
Bruno Fernandes's avatar
Bruno Fernandes

Smooth and Dependable

5
Smooth. Seamless. Simple. Dependable. What more could anyone ask for? Reviewed on: 28th May 2024
Tamara M's avatar
Tamara M

Pay in 3 is very convenient.

5
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
skippy's avatar
skippy

It's a great way to spread the costs while not creat...

5
It's a great way to spread the costs while not creating permanent temptation to "max out" a credit card. Seems to be less strict than other similar systems for legibility. Reviewed on: 28th May 2024
MDD H's avatar
MDD H

PayPal Pay in 3

5
Using PayPal Pay in 3 is a completely hassle free way of spreading the cost at a 0% interest rate. There is no reason not to use it when making those slightly bigger purchases. I would 100% recommend Pay in 3 Reviewed on: 28th May 2024
James 's avatar
James

Very convenient and easy to use, especially the pre...

5
Very convenient and easy to use, especially the pre approved feature Reviewed on: 28th May 2024
Danny F's avatar
Danny F

Pay in 3 Easy as 12&3

5
Great System for large items eases the burden for getting the items you require Reviewed on: 28th May 2024
Patrick M's avatar
Patrick M

Perfect service

5
Never has an issues, always happy to spread the cost for 3 months without any interest. Reviewed on: 28th May 2024
Secret name's avatar
Secret name

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