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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (76549 reviews)

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4.76

Based on 76,394 reviews, last reviewed 26th Jun 2026

5091300% increase in 5 star reviews

in the past 90 days

9400% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

It was really good and helpful, it helped me put It was really good and helpful, it helped me put Reviewed on: 26th June 2026

Latest lowest rating:

1

The whole experience has been terrible! The whole experience has been terrible! I returned an item as advised by paypal because it was not as described but paypal continued take the pay in ... Read more Reviewed on: 26th June 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 (76554)

Easy way to spread cost without getting ripped off

Easy way to spread cost without getting ripped off for doing so. Reviewed on: 9th June 2024

Smart spending

I've been using PayPal Pay in 3, and it's fantastic. It's easy to set up, splitting my purchases into three equal, interest-free payments. This helps me manage my budget better, especially for bigger buys. I appreciate the transparency—PayPal clearly shows the payment schedule and amounts, so no surprises. Plus, there are no hidden fees if I pay on time. It's accepted by lots of online stores, making shopping more flexible and stress-free. Overall, it's a great tool for smarter spending! Reviewed on: 9th June 2024

PayPal pay in 3 is brilliant for when you want to bu...

PayPal pay in 3 is brilliant for when you want to buy something and not spend the full amount in one go. PayPal credit is all good too, some purchases allow you 4 months to pay without paying interest Reviewed on: 9th June 2024

Easy to arrange, makes cashflow easier to manage

Easy to arrange, makes cashflow easier to manage Reviewed on: 9th June 2024

easy to use

A very easy to use feature, no hassle, no problems. Just click and you don't have to worry about it. It has also saved me many times when I was on a budget and didn't want to spend all my money at once. Reviewed on: 9th June 2024

Good customer service

Every time I discussed with someone was great results, exept one time, when went against my credit score, but wasn't PayPal fault, nor mine. My main bank didn't sent the money. Reviewed on: 9th June 2024

PayPal pay in 3 is such an easy way to split the cos...

PayPal pay in 3 is such an easy way to split the cost of purchases, I love it. Reviewed on: 9th June 2024

Why would you not use pay in 3?

Why would you not use pay in 3? It just makes sense. Reviewed on: 9th June 2024

Pre approval a great peace of mind

Several occasions when a deal has come up before pay day, a great facility to grab a bargain especially when you know that you are pre approved so it is a no nonsense process Reviewed on: 9th June 2024

Used several times

Used pay in 3 several times - always easy to use and manage. Reviewed on: 9th June 2024

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