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PayPal: Pay in 3 reviews

View other PayPal products
4.76
Based on 71,240 reviews, last reviewed 15th Jun 2026
4600900% 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

The Best Choice Interest free! Also makes buying things possible for people who can't apply for credit etc Reviewed on: 15th June 2026
Abby S's avatar
Abby S

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 (71240)

Great experience, love the paypal pay in 3 and paypa...

5
Great experience, love the paypal pay in 3 and paypal credit Reviewed on: 28th May 2024
Jay's avatar
Jay

Would use again

5
I’ve used pay in 3 a few times now and it’s nice to be able to spread bigger purchases out over time and know there’s security in using PayPal if something goes wrong with the transaction Reviewed on: 28th May 2024
Chris B's avatar
Chris B

Responsible short-term lender!

5
What I like most is that I feel more in control of my spending with PayPal Pay-in-3 than I did with other companies who provide pay-in-instalment options. I felt quickly out of my depth with other providers who appealed to my impulsive nature and lured me into debt that quickly escalated and could have easily become uncontrollable; they tempted me by increasing my spending limit beyond true affordability, and allowed me to pay off my instalments with a credit card, thus paying debt with debt. PayPal however will only accept debit card payments and so this helps me to keep my debt manageable and to feel like my financial security is valued. I have paid off and closed my accounts with other short-term lenders now because they made me feel like I was trapped in a cycle of debt, but I have kept PayPal Pay-in-3 because I feel PayPal prompt more considered spending and I feel safer and more in control. Reviewed on: 28th May 2024
ilovebeans 's avatar
ilovebeans

Good experience

5
Have been with Paypal for more that 15 years. No problems at all. Reviewed on: 28th May 2024
Mumtaz B's avatar
Mumtaz B

Pay in 3 keeps me stress-free

5
Pay in 3 has saved me so many times in big purchases eg I recently chose it when I bought paint for my house, because I prefer to split the cost rather than put it all on credit. I use my bank's instalment plans too, but they always come with monthly fees, whereas Pay in 3 has never asked me for more than the actual purchase value. The payments email communications are also clear and always on time. And if I log on to my PayPal account any payment plans are easy to find just on the homepage, with the date of the next payment due. For a forgetful and anxious person like me, that's a big help. The little circle that's turning blue showing your progress with paying off a plan is also satisfying and keeps me motivated. Overall I trust them with my money. Very happy customer. Reviewed on: 28th May 2024
Ellie S's avatar
Ellie S

Amazing service and enables me to purchase expensive...

5
Amazing service and enables me to purchase expensive items in a payment plan that works for me. It’s easy to apply for and be accepted for, and I wound recommend it to everyone! Reviewed on: 28th May 2024
Emily R's avatar
Emily R

I felt disappointed

1
Why can't I use pay in 3 anymore, I used to be a very good customer Reviewed on: 28th May 2024
Ricardo Camacho's avatar
Ricardo Camacho

Reliable, fast and trustworthy

4
I have been using PayPal for a while now and yhr experience has been wonderful. Receiving money from other countries, withdrawing money from social media accounts, used a payment gateway and giving the opportunity of instalmental payment. Very fast and reliable. PayPal us one of the best money paltform j have used so far. Reviewed on: 28th May 2024
Expensive's avatar
Expensive

100% Good

5
Good customer service and it’s good to have PayPal Reviewed on: 28th May 2024
Lesroy 's avatar
Lesroy

Been a PayPal user for many years and can honestly s...

5
Been a PayPal user for many years and can honestly say I’ve never had a problem. Nice to have confidence while shopping online. The pay in 3 method works really well for spreading out payments on a larger purchase. Reviewed on: 28th May 2024
Hayden W's avatar
Hayden W

Review PayPal: Pay in 3 now

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