Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (64851 reviews)

View other PayPal products

4.76

Based on 64,851 reviews, last reviewed 10th Jun 2026

3995900% increase in 5 star reviews

in the past 90 days

8000% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Trust and love using paypal. Trust and love using paypal. Would be my forst to go too. Reviewed on: 10th June 2026

Latest lowest rating:

1

PayPal pay in 3 never work and im not Happy for this... PayPal pay in 3 never work and im not Happy for this service Reviewed on: 10th June 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 (64851)

Would be nice to be able to change the direct debit...

Would be nice to be able to change the direct debit date. Also can't even get hold of someone on the phone when needing help with something. Reviewed on: 13th May 2024

Super easy to set up, and clear to understand

Super easy to set up, and clearly states the terms and conditions without all the banking jargon so the everyday joe can understand what they are agreeing too. Reminders automatically set up so you don’t forget, well in advance so it allows you to make sure you have enough funds to cover the payment. Reviewed on: 13th May 2024

Brilliant service

Used pay in three for two years it’s been brilliant no problems very manageable and have been able to purchase things and pay over time in a sensible way and the email reminders that payments coming up are so helpful. Reviewed on: 13th May 2024

Great service from PayPal perfect

Great service from PayPal perfect Reviewed on: 13th May 2024

Handy to have when money is a little short.

Handy to have when money is a little short. Also it"s great you can have the ability to pay off the other payments early and clear all payments when needed. Having 0% APR is a great bonus, so I don't have to pay unexpected fees (unless late payments). Only two drawbacks are minimum spend of £30 and some websites I don't see the option of pay in 3. That being said I highly recommend this service if your a PayPal user and it's a great reason to join if you haven't yet. Reviewed on: 13th May 2024

Good experiencer my , I very have.

Good experiencer my , I very have. Reviewed on: 13th May 2024

Good payment plan

Really easy to understand with clear payment dates and early payment options. Reviewed on: 13th May 2024

Really good service, fast and efficient

Really good service, fast and efficient Reviewed on: 13th May 2024

Paypal’s pay in three is an easy hassle-free way of...

Paypal’s pay in three is an easy hassle-free way of making expensive purchases more affordable. It’s simple to use and any problems are dealt with immediately and effectively. I have used it on at least 3 occasions to buy things I wouldn’t have been able to afford to buy outright. On the first purchase my ordered item was out of stock. My order was cancelled and my payment refunded swiftly do I I was able to make an alternative purchase. The last time I was able to buy a more expensive present for my daughter at Christmas than I would have done if I couldn’t spread the cost. And it’s free! Reviewed on: 13th May 2024

Pay in 3 a new choice of payment with Paypal

I chose Pay in 3, I love that Paypal are adding new features and options for how you can pay. I use Paypal credit anyway but this is good option for a managed short 3 month repayment plan. Paypal automatically takes each payment from your funding source, effectively you get 3 months interest free credit. Reviewed on: 13th 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

Alternative products

next 3step
from Next 4.18 from 5 reviews
Buy Now Pay Later (discontinued)
from Laybuy (inactive company) 2.91 from 34 reviews
Retail finance
from Buyline 4.38 from 26 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.74 from 133998 reviews
Payments
from PayPal 4.73 from 3745 reviews
Credit card
from PayPal 4.71 from 96 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