PayPal Pay in 3 (Split Your Purchase Into 3 Interest Free Payments) purchases of £45 - £2,000

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Posted 10th Dec 2020
Choose Pay in 3 at checkout where PayPal is available, and enjoy the power to split your purchase into three interest-free payments, with no set up fees or charges. Stay in control and get the things you need without stressing your budget.

1. Check out with PayPal

2. Choose “Pay in 3” and complete your purchase

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

It’s interest-free.

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

Get a decision in seconds.

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

It’s backed by PayPal.

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

Use it at millions of merchants online.

You can use Pay in 3 on purchases £45 - £2,000 at loads of your favourite online stores.


  • We’re offering PayPal Pay in 3 to a growing number of our UK customers.

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.

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 will be approved based on our internal checks.

  • 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.

  • To apply for PayPal Pay in 3, you’ll need to provide your:
  • Title
  • Phone number
  • Address
  • Date of birth
  • Debit card information

  • 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, we will report their ongoing performance to credit reference agencies as we 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.

  • 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 £12.
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