Time and flexibility are on your side. Manage your budget and break the payments up over 2 months.
Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. You may find our Spend Smarter Guide helpful. For full product terms, check our T&C’s page.
With Pay in 3, there's no interest, no late fees or setup fees. 1
Shop at your favourite brands and enjoy paying later.
You won’t have to wait long to see if you’re approved.
Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal. 2
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. 1
Manage payments in the app or online, to confidently keep track of your payments.
| Pay in 3 1 | |
|---|---|
| Purchase Amount | £30-£2000 |
| 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 2 | Included |
| Sign-up and late fees | None |
then select Pay in 3.
and if approved, make your first payment today.
on the same date, each month.
Check out our guide to financial empowerment with loads of practical info about managing your money
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.
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. 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.
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 in our Pay in 3 Terms & Conditions.
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:
Our decision making process is automated. We 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. We may also run a “soft” credit check with an external credit reference agency when you apply if we need more information to make our decision. This search will only be visible to you and will not affect your credit score.
There are no fees for choosing to pay with PayPal Pay in 3.
Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.
Download the app on your phone or sign up for free online.
PayPal UK Ltd is authorised and regulated by the Financial Conduct Authority (FCA) as an electronic money institution under the Electronic Money Regulations 2011 for the issuance of electronic money (firm reference number 994790), in relation to its regulated consumer credit activities under the Financial Services and Markets Act 2000 (firm reference number 996405) and for the provision of Cryptocurrency services under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (firm reference number 1000741). Some of PayPal UK Ltd’s products including PayPal Pay in 3 and PayPal Working Capital are not regulated by the FCA. PayPal UK Ltd’s company number is 14741686 and its registered address is Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.
Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details. You can use Pay in 3 on purchases £30 - £2,000.
Buyer Protection is available on eligible purchases only. Time limit and other terms apply. See the Buyer protection section of your local User Agreement for more information.
All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
