PayPal Pay in 3 Available Now!

Shop your way with Pay in 3

Buy now, pay later – Check out using PayPal and choose “PayPal Pay in 3” on the checkout page and enjoy the power to split your purchase into three interest-free payments, with no set up fees or charges.* It’s a great way to help you stay in control of your budget with a decision in seconds.

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There are three simple steps:


Select the items you want, and check out with PayPal.


Choose “Pay in 3” and complete your purchase.


Make the first payment now, the rest in two payments every month on the same date.

PayPal Pay in 3 - 0% Interest

It’s an interest free loan

With Pay in 3, there’s no interest and no set up fees.*

PayPal Pay in 3 - Quick Decision

Get a decision in seconds

You won’t have to wait to see if you’re approved.

PayPal Pay in 3

It’s backed by PayPal

Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal**.

PayPal Pay in 3 – Frequently Asked Questions:

1. What is PayPal Pay in 3?

PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments to avoid late fees and possible impact to your credit score.

2. Is there a minimum or maximum spend to use PayPal Pay in 3?

You can use PayPal Pay in 3 on purchases ranging from £30.00 to £2,000.00

3. How long will my PayPal Pay in 3 plan last?

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

4. What information do I need to apply for PayPal Pay in 3?

To apply for PayPal Pay in 3, you’ll need to provide your:

  • Name
  • Phone number
  • Address
  • Date of birth
  • Debit card information

5. How is my application for PayPal Pay in 3 assessed?

The decision making process is automated. PayPal assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.

6. Will applying for PayPal Pay in 3 impact my credit file?

If needed, PayPal will run a soft credit check with an external credit reference agency. This leaves no permanent mark on a customer’s credit record if they choose not to progress. However, if a customer decides to use Pay in 3, PayPal will report their ongoing performance to credit reference agencies as they believe this promotes responsible lending. So, it’s important that you’re able to keep up your repayments and that you’re comfortable that they’re affordable.

7. Are there any fees associated with PayPal Pay in 3?

There are no fees for choosing to pay with PayPal Pay in 3, however if you are late with a payment, you will be charged a late fee of £6.00.

* Subject to status. Terms and Conditions apply. UK residents only. Late fees apply. PayPal is a responsible lender. Pay in 3 performance may influence your credit score.

** Available on eligible purchases only. 180 day time limit and other terms apply.

NOTE: This page is intended only for guidance only, and PayPal Pay in 3 Terms and Conditions can be viewed at:

Source: (information valid as of 19/8/2021).