Write a review

Newsletter

Go to business site

PayPal: Pay in 3 reviews

Name: Pay in 3
Rating: 4.76 (94532 reviews)

View other PayPal products

4.76

Based on 94,469 reviews, last reviewed 8th Jul 2026

504% increase in 5 star reviews

in the past 90 days

494% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Helpful and hassle free I've made several payments now with buy now pay in three monthly installments with out interest and I've been able to afford some of the things that w... Read more Reviewed on: 8th July 2026

Latest lowest rating:

1

Worst company even would be funny if wasn’t costing me Got blocked out of account due to you needing additional security which includes an historic phone number - no other options to validate ID. Tried cus... Read more Reviewed on: 8th July 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 (94549)

simple, easy to use & safe

everything is very simple, well explained and works perfectly, never had an issue, also have confidence that your payments are safe. Reviewed on: 28th May 2024

Excellent Service with PayPal Pay in 3

Excellent Service with PayPal Pay in 3 PayPal Pay in 3 has been an absolute game-changer for my shopping experience. I give it a well-deserved 5 stars! Firstly, the convenience it offers is unparalleled. Breaking down payments into three manageable installments makes budgeting so much easier. Whether it's for a big purchase or a few smaller ones, spreading the cost over a few months is a huge relief. The process is incredibly simple and straightforward. With just a few clicks, I was able to set up the payment plan without any hassle. Secondly, the transparency of the service is commendable. There are no hidden fees or surprises. The terms are clearly outlined, and I know exactly what I'm paying and when. This level of clarity builds a lot of trust and makes me feel secure using the service. Moreover, the flexibility it provides is fantastic. It allows me to make purchases that I might have otherwise postponed. This has been especially helpful during times when cash flow is a bit tight, but I still need to make necessary purchases. Customer support has also been top-notch. Any questions I've had were promptly answered by their helpful team. It's reassuring to know that there's always someone ready to assist if needed. In conclusion, PayPal Pay in 3 has made my shopping experience much more manageable and stress-free. It's a reliable, user-friendly service that I highly recommend to anyone looking to spread out their payments. Five stars all the way! Reviewed on: 28th May 2024

Smooth and Dependable

Smooth. Seamless. Simple. Dependable. What more could anyone ask for? Reviewed on: 28th May 2024

Pay in 3 is very convenient.

Pay in 3 is very convenient. I use it often to spread out interest-free payments instead of using my credit card. It really helps with big purchases which would ordinally cost more due to interest fees. Reviewed on: 28th May 2024

It's a great way to spread the costs while not creat...

It's a great way to spread the costs while not creating permanent temptation to "max out" a credit card. Seems to be less strict than other similar systems for legibility. Reviewed on: 28th May 2024

PayPal Pay in 3

Using PayPal Pay in 3 is a completely hassle free way of spreading the cost at a 0% interest rate. There is no reason not to use it when making those slightly bigger purchases. I would 100% recommend Pay in 3 Reviewed on: 28th May 2024

Very convenient and easy to use, especially the pre...

Very convenient and easy to use, especially the pre approved feature Reviewed on: 28th May 2024

Pay in 3 Easy as 12&3

Great System for large items eases the burden for getting the items you require Reviewed on: 28th May 2024

Perfect service

Never has an issues, always happy to spread the cost for 3 months without any interest. Reviewed on: 28th May 2024

Great, easy process and ideal way to spread cost

Great, easy process and ideal way to spread cost Reviewed on: 28th 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

Buy Now Pay Later
from Butter 4.08 from 2 reviews
Buy Now Pay Later (discontinued)
from Laybuy (inactive company) 2.91 from 34 reviews
Buy now pay later
from Clearpay 3.76 from 58 reviews

Want to see more from PayPal?

PayPal Credit
from PayPal 4.73 from 171675 reviews
Payments
from PayPal 4.70 from 3835 reviews
Credit card
from PayPal 4.70 from 119 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