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.

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.

PayPal Pay in 3 is available on eligible shopping basket values between £30 and £2,000 GBP.

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.

Yes, you can. As long as you see the option for PayPal Pay in 3 at checkout, you can choose a new PayPal Pay in 3 plan. You’ll see all of your PayPal Pay in 3 plans in one place in your PayPal account under PayPal Pay in 3, including plans you completed in the past 12 months.

PayPal believe in responsible lending and 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.

However, if you miss a repayment this may impact your ability to access other sources of credit or use Pay in 3 in the future.

If a payment does become overdue, PayPal's collections team will work with you to find the best solution.

Yes, you can still apply for a refund for your purchase when you use PayPal Pay in 3. If you return some or all of your items according to our refund policy, you’ll get a partial or full refund. Partial refunds will lower the amount that you owe in the payments you have left. Any refund issued will be paid to your PayPal Balance, once we have repaid any amounts owing under your Pay in 3 plan.

You’ll see the link to the terms and conditions when you choose to apply for PayPal Pay in 3 at checkout, and you must read them before you submit your application. You will also have the option to download the terms and conditions.

Once your plan starts, PayPal will send you an email containing important information about your PayPal Pay in 3 plan, including how to locate your terms and conditions.