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PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (98675 reviews)

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4.76

Based on 98,602 reviews, last reviewed 12th Jul 2026

508% increase in 5 star reviews

in the past 90 days

490% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Love PayPal and how easy it is to split payments x3... Love PayPal and how easy it is to split payments x3 (no interest!) However my main reason for using PayPal is that I know my purchase is covered from ... Read more Reviewed on: 12th July 2026

Latest lowest rating:

1

Most times I’m unable to use Pay in 3 Most times I’m unable to use Pay in 3 Reviewed on: 12th July 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.

Review PayPal: Pay in 3 now

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PayPal Pay in 3 reviews (98693)

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

In these tight economic times, PayPal offering pay i...

In these tight economic times, PayPal offering pay in 3 takes the stress of paying for things all at once and missing on something else that might need paying for. I’ve been able to get things for my kids with pay in 3 instead of disappointing them. Reviewed on: 9th June 2024

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