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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (79040 reviews)

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4.76

Based on 78,864 reviews, last reviewed 2nd Jul 2026

5325900% increase in 5 star reviews

in the past 90 days

10000% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

4

I have been a customer with for a few years now. I have been a customer with pay pal for a few years now. Never had any issues with them.. customer service are very helpful. I pay a lot of my orders ... Read more Reviewed on: 2nd July 2026

Latest lowest rating:

1

Won’t let me use PayPal in 3 . Won’t let me use PayPal in 3 . But will let me use PayPal credit Reviewed on: 2nd 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 (79040)

3 easy payment’s for things you need

Easy to use gives you time to pay brilliant to be able to spread the cost over 3 payments so it is easier on your pocket and helps you afford things better and manage your money I think it is a brilliant idea and would use it all the time and recommend it to friends and family to help and encourage them to buy things more easily without worrying Reviewed on: 17th June 2024

Easy to use experience really gd

Easy to use experience really gd Reviewed on: 17th June 2024

Website sometimes trouble

I'd rather to have notification before the expired day of interest free duration.To be able to open a case in resolution centre is really a problem on its own. Webpage is not working as it should be..Options are more limited than needed. We should find a chance of chatting with a real person without a big amount of fuss. Reviewed on: 17th June 2024

Pay in three is great!

Pay in three is great! It’s very helpful for spreading payments so that they are more manageable, particularly on a tighter budget! Great for larger purchases that are necessary but need to be spread as to not make you completely broke! If it could add to a credit score that would be perfect, but otherwise a great service! Reviewed on: 17th June 2024

It’s great.

It’s great. The opportunity to pay in 3 instalments helped me many times Reviewed on: 17th June 2024

Perfect service

Never had any problems always been perfect Reviewed on: 17th June 2024

Straight forward and easy to understand.

Straight forward and easy to understand. Using the pay in 3 helps spread the cost of purchases over a set period allowing you to purchase things even if you don’t have the full amount at the time. Having a determined amount each month to repay lets you plan your finances for that given month and there are never any surprises! Reviewed on: 17th June 2024

Perfect!

Perfect for this cost of living crisis, always really reliable. Reviewed on: 17th June 2024

Much better Pay in 3 options out there

There are much better alternatives to Paypal pay in 3 imo. Reasons: No clarity around eligibility rules (sometimes you’re eligible, sometimes not, if you’re rejected it’ll then ban you for an indefinite amount of time - customer service cannot tell you any more). Exchange rates are terrible. If your card declines for some reason, it’ll then ban you from pay in 3 for an undefined length of time (even if your card is now fully working). Terrible customer service - very very long wait times on the phone, and agents have very little access to information so can’t help much. Overall I’d only use paypal pay in 3 as a last resort (one upside is that most places take them, though often you can create a “one-time card” in klarna for places that don’t have it listed as a payment option, takes slightly longer though). Reviewed on: 17th June 2024

It's a very straightforward service and has allowed...

It's a very straightforward service and has allowed me to spread out larger payments making them more affordable for me. I like the fact that I have clear deadlines so I know when the payments are coming up, which helps me be prepared. Reviewed on: 17th June 2024

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