Introducing PayPal Pay in 3

PayPal Pay in 3 is a credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. PayPal’s decision to lend to you is based on their assessment of your financial position, using the information you provide when applying and information about your usage and history with PayPal.

Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. Missing payment will result in PayPal reporting you to one or more credit agencies, which may make it more difficult or expensive for you to obtain credit in the future. 18+, subject to status.

Frequently Asked Questions

Who is PayPal Pay in 3?

PayPal Pay in 3 is a trading name of PayPal UK Ltd Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH

What is PayPal Pay in 3?

PayPal Pay in 3 lets you spread the cost of your purchase over three interest-free payments. You'll pay the first instalment when you place your order, followed by two automatic monthly payments. Approval is subject to status and eligibility.

How can I pay with PayPal Pay in 3?

Select PayPal Pay in 3 at checkout and complete a short application with PayPal. If approved, you'll make your first payment at the time of purchase, with the remaining two payments taken automatically each month.

Who can apply for PayPal Pay in 3?

PayPal Pay in 3 is available to eligible UK residents aged 18 or over. Approval is subject to status and eligibility criteria set by PayPal.

What’s the minimum/maximum spend?

With PayPal Pay in 3, a transaction has to be between £30 and £2,000. Subject to status.

Will a credit search take place against me?

PayPal will assess your financial position using a combination of the information you provide in your application, and information about your usage and history with PayPal. If needed, PayPal will also run a soft credit check with an external credit reference agency.

This will leave no permanent mark on your credit record if you choose not to progress. However, if you decide to use PayPal Pay in 3, your ongoing performance will be reported to credit reference agencies to promote responsible lending. So, it’s important that you’re able to keep up your repayments and that you’re comfortable that they’re affordable.

Are there any fees?

There are no fees for choosing to pay with PayPal Pay in 3.

Can I pay before the due date?

Yes, just log into your PayPal account, choose the PayPal Pay in 3 plan you want to pay off, and click Make a Payment. Then you can make an unscheduled payment of Next Payment Due or Full Balance.

What happens if I miss a payment?

If you miss a payment, it may affect your ability to borrow in the future. PayPal may report missed payments to one or more credit reference agencies, which could make it more difficult or expensive to obtain credit.

I still have questions. How do I get in touch?

For all other questions, please go to https://www.paypal.com/uk/payin3faq.

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Introducing PayPal Pay in 3

Frequently Asked Questions

Who is PayPal Pay in 3?

What is PayPal Pay in 3?

How can I pay with PayPal Pay in 3?

Who can apply for PayPal Pay in 3?

What’s the minimum/maximum spend?

Will a credit search take place against me?

Are there any fees?

Can I pay before the due date?

What happens if I miss a payment?

I still have questions. How do I get in touch?

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