Introducing 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

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.

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.

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.

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.

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

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.

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 PayPal to discuss this in advance. Don’t wait until your payment is overdue. Go to https://www.paypal.com/uk/smarthelp/contact-us.

PayPal shares some data on your repayment history with credit reference agencies. 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.

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