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PayPal: Pay in 3 reviews

View other PayPal products
4.76
Based on 71,414 reviews, last reviewed 16th Jun 2026
4617500% increase in 5 star reviews
in the past 90 days
8600% 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

Since i created Paypal few years ago i had always go... Since i created Paypal few years ago i had always good experience. Just few hiccups but it’s ok. Reviewed on: 16th June 2026
Jean c's avatar
Jean c

Latest lowest rating:

1

PayPal Plus points failure Signed up for PayPal plus in November 2025 and have accumulated over 8000 points that to date I cannot redeem. PayPal failed to resolve multiple compl... Read more Reviewed on: 15th June 2026
Amy's avatar
Amy
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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.

Review PayPal: Pay in 3 now

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PayPal Pay in 3 reviews (71414)

PayPal is the best modern-day credit provider

5
PayPal is easily the best credit provider by a country mile. The Pay in 3 option means I can buy things I wouldn't be able to afford in a one off payment, without having to resort to a loan or credit card. Approval is incredibly quick and everything I need to know is on my dash. I use it very regularly and it has allowed me to purchase more expensive items and be in budget. Also, a very quick process for refund in the events where I have had to return an item that was purchased through Pay in 3 - no fuss, just done and they inform me once the money is back in my account Reviewed on: 31st May 2024
Charlie R's avatar
Charlie R

Great service

5
Positive experience and customer service always rectify any issues very quickly. Reviewed on: 31st May 2024
MJ's avatar
MJ

Affordable purchasing!

5
I bought a train ticket to go and see a friend who lives in Wales. Travelling from up North my train ticket (with the help of a railcard) was going to cost me £80 for a return. At the time, I could not afford the full price of this ticket - I noticed that I could use PayPal’s pay in 3 and all panic disappeared instantly! It meant that I was able to pay an affordable price over 3 months rather than having a large sum amount of my bank instantly. The money came out instantly and I was emailed each time the money was taken with an update on how long until it was fully paid off! Reviewed on: 31st May 2024
Jazz W's avatar
Jazz W

Easy to set up and 0% intrest,

5
Easy to set up and 0% intrest, it is so easy to do and also keeps your monthly out going cash low and manageable. The fact it is just a few clicks to set up is great and clearly states your payment schedule for easy access and also updates on payments made and still to come. I highly recommend this product from Paypal Reviewed on: 31st May 2024
Mark P's avatar
Mark P

Good credit limits and flexibility, I love pay in 3...

5
Good credit limits and flexibility, I love pay in 3 and feel secure using paypal too. It's widely available Reviewed on: 31st May 2024
El S's avatar
El S

Pay in 3 is ideal for those times where you need to...

5
Pay in 3 is ideal for those times where you need to spread the cost of an expensive purchase. Makes it even better being interest free. Will definitely use the service when it’s offered again. Reviewed on: 31st May 2024
DH's avatar
DH

What’s not to like about PayPal Pay in 3!

5
Really find the PayPal Pay in 3 helps me spread my payments and helps hugely with cash flow right now. Zero interest too it’s just so great Reviewed on: 31st May 2024
Rebecca's avatar
Rebecca

They helped me to access extra finances when I was a...

5
They helped me to access extra finances when I was a student and traditional banks wouldn't help. Paypal credit helped me get through college. Reviewed on: 31st May 2024
Emily D's avatar
Emily D

Helpfull

5
Pay in 3 really helps to budget, used this a few times and always been happy. Reviewed on: 31st May 2024
Colette B's avatar
Colette B

Very easy and quick.

5
Very easy and quick. Displays clear information about the payments and payment methods. Reviewed on: 31st May 2024
Sergio G's avatar
Sergio G

Review PayPal: Pay in 3 now

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