Plan. Buy. Pay in 3.

Time and flexibility are on your side. Manage your budget and break the payments up over 2 months.

Just select PayPal at checkout as your payment method and follow the on screen instructions.

Flexibility to pay the way that works for you

No late fees

With Pay in 3, there's no interest, no late fees or setup fees.

Quick decision

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

Backed by PayPal

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

Shop your way with Pay in 3

Make the first payment at the time of purchase and make two more payments on the same date each month. Split your purchases of between £30 and £2,000 into 3 interest-free payments without late fees.

*Terms and conditions apply

Get to know Pay in 3

Purchase Amount


Number of payments

3 interest-free payments

Time between payments

First payment is made at the point of purchase with the next two payments made automatically on the same date over two months.

Repayment method​

Debit card, or confirmed bank account

Buyer Protection


Sign-up and late fees



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 and be aware of the possible impact of missing payments, including making other borrowing more difficult or more expensive.

Will I be able to use PayPal Pay in 3?

PayPal Pay in 3 is not available for certain merchants and goods. We may also decide not to offer PayPal Pay in 3 as a payment option in certain circumstances, such as where our checks suggest an increased risk of fraud or where data we hold suggests you may not be eligible. The checks we run are with an external credit reference agency. This search will only be visible to you and will not affect your credit score.

If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone is approved based on the checks we carry out.

Can PayPal Pay in 3 ever impact my credit score?

When applying for a PayPal Pay in 3, we may conduct a “soft” credit check if we need more information to make a decision. “Soft” credit checks are not visible to others, so have no impact on your credit file. However, we do share some data on your repayment history with Transunion. Although it does not impact your credit score, this data will be visible to other companies and may impact your ability to obtain credit from other lenders and the cost of accessing it. More information is available via PayPals Pay in 3 Terms & Conditions.

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.

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:

  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details
How is my application for PayPal Pay in 3 assessed?

PayPal's decision making process is automated. They 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. They may also run a “soft” credit check with an external credit reference agency when you apply if they need more information to make a decision. This search will only be visible to you and will not affect your credit score.

Are there any fees associated with PayPal Pay in 3?

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