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Steve B

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Review of the PayPal, Pay in 3:

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The simplest BNPL I've used

Pay in 3 has become one of my favourite ways to pay online. Splitting a purchase into three equal, interest-free payments takes the sting out of medium-sized buys without any of the admin of a traditional credit agreement, no interest, no fees when you pay on time, and the whole thing is set up in a couple of taps at checkout. The instalments come out automatically, so there's nothing to remember, and the PayPal app shows exactly what's left to pay and when the next payment lands. Because it runs through my existing PayPal account, there's no separate provider, app or login to manage, which is where it beats most of the standalone buy-now-pay-later services. The main limitation is that it's only available at certain retailers and on certain basket sizes, so you can't always rely on it being offered. But when it is there, it's the simplest, most transparent way to spread a cost that I've used. Reviewed on: 13th July 2026

Review of the PayPal, PayPal Credit:

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Flexible way to spread costs without paying interest

I've been using PayPal Credit for a while now and it's become my go-to for larger purchases. The 0% for 4 months offer on purchases over £99 is genuinely useful. I recently used it to spread the cost of a purchase and, as long as you clear the balance within the promotional window, it costs nothing extra. What I like most is how seamlessly it sits inside the normal PayPal checkout: no separate card to carry, no new login, it just appears as a payment option wherever PayPal is accepted. The app makes it easy to see exactly what's owed on each promotional plan and when the 0% period ends, which takes the guesswork out of avoiding interest. Approval was quick and the credit limit was sensible. The one thing to be aware of is that the standard interest rate after a promotional period is on the higher side, so it rewards being organised set a reminder to pay before the offer ends. For anyone who shops online regularly and wants short-term flexibility without a traditional credit card, it's hard to beat. Reviewed on: 13th July 2026

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