Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (96248 reviews)

View other PayPal products

4.76

Based on 95,358 reviews, last reviewed 9th Jul 2026

506% increase in 5 star reviews

in the past 90 days

458% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

So easy with peace of mind for secure payment So easy with peace of mind knowing it is secure Reviewed on: 9th July 2026

Latest lowest rating:

2

The "Pay in 3" isn't useful. The "Pay in 3" function gets changed or revoked all the time. It's an unreliable service! It's never available when I would like to use it, yet it's a... Read more Reviewed on: 9th July 2026

Read all reviews Write a review

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 (96273)

It has genuinely made my life much easier

It has genuinely made my life much easier. Being able to split payments into installments helps me take advantage of discounts, and I don’t have to delay buying something I urgently need. After every transaction, I immediately receive an email, and my upcoming payments are clearly notified in advance, which makes it very easy to stay on track. On one occasion where there was a scam-related issue, my problem was resolved quickly without any hassle, and I didn’t experience any inconvenience. Overall, I’m very satisfied with the service. Reviewed on: 19th April 2026

No interest in PayPal pay in 3 is a huge pro

PayPal Pay in 3 is good because there’s no interest at all, which is a big plus for me. It makes it much easier to spread the cost of something over time without worrying about extra charges building up. Instead of having to pay everything upfront or deal with credit cards adding interest, you can just split it into three manageable payments, which feels a lot less stressful. I also like that it helps with budgeting. Knowing exactly what I’ll be paying and when makes it easier to plan my money, especially if something a bit more expensive comes up that I still need or want. There’s no hidden fees or surprises, which gives a bit more peace of mind compared to other payment options. Another good thing is how simple and quick it is to use. The setup is straightforward, and once it’s done, you can use it without much hassle. It’s convenient when shopping online, and it doesn’t feel as risky as taking out traditional credit. Overall, PayPal Pay in 3 is a really useful option for consumers like me who want a bit more flexibility without getting into debt or paying extra in interest. It just makes managing purchases a lot more manageable and less of a burden. Reviewed on: 19th April 2026

It is easy to use and a very safe way of spending mo...

It is easy to use and a very safe way of spending money i feel like I have controll over it Reviewed on: 19th April 2026

I never have an issue using PayPal & feel safe...

I never have an issue using PayPal & feel safe using it Reviewed on: 19th April 2026

PayPal gives me the chance to pay my expenses in thr...

PayPal gives me the chance to pay my expenses in three instalments which is great. The customer service is excellent. Reviewed on: 19th April 2026

No quibble job done does what it says on the tin no...

No quibble job done does what it says on the tin no fuss straight to the point Reviewed on: 19th April 2026

Easy to keep track of where you are with payments an...

Easy to keep track of where you are with payments and allows you to buy higher value items Reviewed on: 19th April 2026

Simple, frictionless payment option

Simple, frictionless payment option Reviewed on: 19th April 2026

Great company.

Great company. Covers all my needs. Excellent customer service. Reviewed on: 19th April 2026

PayPal is easy and straight forward to use .

PayPal is easy and straight forward to use . Haven’t had to use the customer service as of yet so can’t comment on that . Reviewed on: 19th April 2026

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

Alternative products

Buy now pay later
from Payl8r 4.81 from 4218 reviews
Buy Now Pay Later
from Butter 4.08 from 2 reviews
Buy Now Pay Later
from Klarna 4.41 from 562 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 174068 reviews
Payments
from PayPal 4.70 from 3840 reviews
Credit card
from PayPal 4.70 from 121 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub