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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (101244 reviews)

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4.76

Based on 101,244 reviews, last reviewed 29th Jul 2026

218% increase in 5 star reviews

in the past 90 days

274% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Security is important to me, security and prompt pay... Security is important to me, security and prompt payments. PayPal ticks the boxes without doubt. Reviewed on: 29th July 2026

Latest lowest rating:

1

You are the worst customer service company going Vis... You are the worst customer service company going Visa MasterCard are much better at resolving disputes Reviewed on: 26th July 2026

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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 (101244)

Use pay in 3 regularly

Use pay in 3 regularly, really easy way to spread payments a little Reviewed on: 10th July 2026

I love paypal, helps me buy stuff without stress.

I love paypal, helps me buy stuff without stress. Reviewed on: 10th July 2026

I’ve had a positive experience using PayPal Credit.

I’ve had a positive experience using PayPal Credit. The application process was straightforward, and it’s been a convenient way to spread the cost of larger purchases. The ability to manage payments through my PayPal account is easy to use, and promotional interest-free periods can be helpful if you pay the balance on time. Reviewed on: 10th July 2026

Quick easy clean

Quick easy clean interface never have any problems Reviewed on: 10th July 2026

Very professional

Excellent communication, timely reminders about payments due. Very helpful and proactive customer service. Reviewed on: 10th July 2026

Always having ways to pay.

Always having ways to pay. Can rely on the service and always having alternative. Reviewed on: 10th July 2026

Better rewards

I feel better rewards need to be setup as theres no reason to use it over competitors. Something like cinema tickets or coupons...£5 off Ebay. Something like that. Reviewed on: 10th July 2026

User friendly and reliable

User friendly. Easy to use. Reliable. Reviewed on: 10th July 2026

Loving it!

It's been a great experience. Can't think of anything to change or improve! Reviewed on: 10th July 2026

PayPal Pay in 3 is brilliant for splitting bigger pu...

PayPal Pay in 3 is brilliant for splitting bigger purchases into three interest-free chunks right at the checkout, making budgeting so much easier. The automated payments mean you don't have to worry about missing a deadline, and there are absolutely no hidden fees. The only real downfalls are that it can be a bit unpredictable—sometimes randomly declining you because of their automatic soft credit checks—and if you ever need to sort a refund with a shop, getting PayPal to pause your remaining instalments can be a right headache with customer service. Overall, it's a top-tier, cost-effective way to spread costs as long as you keep on top of it. Reviewed on: 10th July 2026

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