Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 49,527 reviews, last reviewed 11th May 2026
2563400% 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

Easy to use service, widely available to use in a lo... Easy to use service, widely available to use in a lot online shops Reviewed on: 11th May 2026
Sarah's avatar
Sarah

Latest lowest rating:

1

not worth. its not not worth. very less amount. should br more limit Reviewed on: 11th May 2026
Sri K's avatar
Sri K

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 (49527)

Good option if you want to spread payments.

5
Good option if you want to spread payments. Gives flexibility Reviewed on: 27th May 2024

Very good finance option for a short time.

5
Very good finance option for a short time. Reviewed on: 27th May 2024

Pay in 3 - Fantastic!

5
I have used pay in 3 several times and it's so convenient and easy to use. The dates are set clearly and if you wish, you can even pay your total off before the set date. Fantastic! Reviewed on: 27th May 2024

I use pay in 3 regulary as it helps spread large pay...

4
I use pay in 3 regulary as it helps spread large payments out over 3 months. It is interest free so it's a no brainer really. Reviewed on: 27th May 2024

PayPal is an invaluable service for millions

5
PayPal is an invaluable service in man6 peoples lives. Additionally, the Pay In 3 option allows for more expensive purchases to be made over 3 payments automatically taken by PayPal. In this time of price rises and financial hardship it has allowed many to purchase items without the worry of paying the full amount instantly. This helps to spread the cost without incurring interest and creating more financial issues. 10 out oglf 10 Reviewed on: 27th May 2024

quick simple lots of options trusted

5
quick simple lots of options trusted Reviewed on: 27th May 2024

Seamless transfers and connects to people easier tha...

5
Seamless transfers and connects to people easier tha bank transfers. Pay in 3 is a life line to manage payments eg flight tickets Reviewed on: 27th May 2024

Payment in 3 is brilliant

5
I find that the pay in 3 option in PayPal is great because it helps me to get items that I would struggle to get if I had to pay the whole price in one go. Being able to break the payments into 3 monthly payments is such a great help. The whole experience using PayPal is great and the customer service is second to none Reviewed on: 27th May 2024

Fantastic idea and well executed

5
Fantastic idea and well executed Reviewed on: 27th May 2024

I haven’t had any issues with pay in 3.

5
I haven’t had any issues with pay in 3. In fact this has helped me whenever I am very stretched with budget and in need to buy things 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 3711 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 81 reviews
    PayPal
  • PayPal Credit

    from PayPal 4.90 from 104607 reviews
    PayPal
    View all products