Smart Money People Logo

PayPal: Pay in 3 reviews

4.93
Based on 47,740 reviews, last reviewed 8th May 2026
2396100% increase in 5 star reviews
in the past 90 days
4700% 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

Always secure and reasonable. Always secure and reasonable. Good customer service and easy app. Reviewed on: 8th May 2026
Jacob s's avatar
Jacob s

Latest lowest rating:

1

I used their services of 3 payment , suddenly I hav... I used their services of 3 payment , suddenly I have problems and I was told to update still struggling change address . And then its definitely wo... Read more Reviewed on: 7th May 2026
Tinara S's avatar
Tinara S

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 (47740)

Very handy

5
I used pay in three, very useful to spread the cost that way at 0% apr, thanks. Reviewed on: 17th May 2024

Recent experience

5
I recently used the option to pay in three installments for a purchase, and the experience was exceptionally convenient. This payment plan made a significant purchase more manageable by spreading the cost over three months. First, the setup process was straightforward. At checkout, I simply selected the three-installment option, provided the necessary payment information, and the system automatically divided the total amount into three equal payments. I received clear communication about the schedule and amounts of each payment, which added a layer of transparency and trust to the process. The flexibility this option offers is fantastic. It allowed me to buy a high-ticket item without immediately impacting my budget. Instead of having to save up or use a credit card with potentially high interest, I could comfortably afford the purchase while managing my other financial commitments. Another advantage was that there were no additional fees or interest charges. This was a pleasant surprise, as many payment plans come with hidden costs. The service simply provided a more flexible payment schedule without penalizing me for needing more time to pay. Customer support was also top-notch. I had a question about my payment schedule and reached out to their support team. They responded promptly and resolved my issue quickly, ensuring a smooth experience throughout. In conclusion, paying in three installments provided a seamless and stress-free way to manage a large purchase. I highly recommend this option to anyone looking for financial flexibility and convenience in their shopping experience. Reviewed on: 17th May 2024

Easy, reliable and safe to use.

5
Easy, reliable and safe to use. Payments are always quick in and out of accounts. Always feel reassured that PayPal will resolve any issues that may occur. Reviewed on: 17th May 2024

My pay in 3 experience

5
It’s very handy to pay in 3 & keep track of payments Reviewed on: 17th May 2024

Easy to use and very useful would recommend to anyone

5
Easy to use and very useful would recommend to anyone Reviewed on: 17th May 2024

Easy, clear and straight forward

5
Offers an easy, straight forward, easy and clear way to pay. Offering added buyer security. Customer services have always been very helpful when I have needed to contact them Reviewed on: 17th May 2024

I’m so happy I joined PayPal.

5
I’m so happy I joined PayPal. All payments are instant and I know I have the security making payments through PayPal which makes it stress free. Reviewed on: 17th May 2024

Very easy to use love PayPal, I use it for all my on...

5
Very easy to use love PayPal, I use it for all my online purchases very easy contact if anything goes wrong. Would highly recommend. Reviewed on: 17th May 2024

Easy way to pay

5
Always been really easy to set up payments, easy to repay early and gives good flexibility when looking for things to purchase. I love using PayPal and would love more retailers to accept it, although that would be slightly dangerous as I'd probably end up spending more money! Reviewed on: 17th May 2024

Very good service PayPal is excellent thank you so...

5
Very good service PayPal is excellent thank you so much Reviewed on: 17th May 2024

Review PayPal: Pay in 3 now

Help others make smarter decisions by sharing your own experience. Write a review