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Nic C

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Review of the PayPal, Pay in 3:

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Easy set-up, instant decisions & free credit

I've used Pay in 3 on a number of occasions when I wanted to make a reasonably large purchase - for example an urgently-needed £400 printer for my artwork - but preferred the option of three smaller interest-free payments which are easier to manage. The advantage for me is that I don't pay set-up fees, the decision is made by PayPal within seconds, there is no interest to pay and I can spread the cost over three months. As long as you're careful to keep within your monthly "spare income" limit and don't keep loading up with 3-monthly credit all the time this is a great option for occasional purchases. Reviewed on: 6th April 2026

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