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Paypal Pay in 3

Introducing PayPal Pay in 3

Why pay now when you can pay later - use PayPal Pay in 3 today!

PayPal Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments in order to avoid late fees and possible impact to your credit score.

Frequently Asked Questions

Who is PayPal Pay in 3?

PayPal Pay in 3 is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A, 22-24 Boulevard Royal, L-2449 Luxembourg.

What is PayPal Pay in 3?

PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 equal instalments, with the first due at time of purchase and the subsequent payments due the next 2 months on the same date.

How can I pay with PayPal Pay in 3?

Just choose to pay with PayPal when you checkout, log into your PayPal account and, if it’s an eligible transaction, you’ll see PayPal Pay in 3 as one of the available payment methods. After selecting it, you can apply for a PayPal Pay in 3 plan in a few simple steps, get an instant decision and finish checking out.

Is PayPal Pay in 3 available to everyone?

No, PayPal Pay in 3 is only available to customers over 18 living in the United Kingdom (excluding Channel Islands and the Isle of Man). PayPal Pay in 3 is also subject to status and checks.

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. However, if you are late with a payment, you will be charged a late fee of £6.00.

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 can’t make my payments?

PayPal will make efforts to support customers who are experiencing financial difficulty. If you know you will be unable to make a payment or are otherwise concerned about your finances, the best thing to do is to contact us to discuss this in advance. Don’t wait until your payment is overdue. Go to

If you are late with a payment, you will be charged a late fee of £6.00.

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