Buy now, pay later with PayPal

Buy what you love now. Pay Later.

Time and flexibility are on your side. Get what you want and break the payments up over weeks or even months.

Buy now and pay later with Pay in 3.

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 fees or charges.* It鈥檚 a great way to help you stay in control of your budget.

Pay in 3 is a form of credit, so 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聽missing payments, including making other borrowing more difficult or more expensive.

Pay in 3: Easy as 1-2-3鈥

  1. Check out with PayPal
  2. Choose 鈥淧ay in 3鈥 and complete your purchase.
  3. Make the first payment now, the rest in two payments every month on the same date.

Pay in 3: Easy as 1-2-3鈥

  1. Check out with PayPal
  2. Choose 鈥淧ay in 3鈥 and complete your purchase.
  3. Make the first payment now, the rest in two payments every month on the same date.

Shop your way with Pay in 3.

It鈥檚 an interest free loan.

With Pay in 3, there鈥檚 no interest and no fees.*

Get a decision in seconds.

You won鈥檛 have to wait to see if you鈥檙e approved.

It鈥檚 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 拢30 - 拢2,000 at loads of your favourite online stores.

Chill鈥 enjoy more flexibility with Pay in 3.

  • Stay in control of your finances
  • Make interest-free payments
  • Get a decision in seconds
  • Backed by PayPal Buyer Protection
  • Available at millions of merchants online

Chill鈥 enjoy more flexibility with Pay in 3.

  • Stay in control of your finances
  • Make interest-free payments
  • Get a decision in seconds
  • Backed by PayPal Buyer Protection
  • Available at millions of merchants online
  • Pay in 3 is a form of credit, so 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聽missing payments, including making other borrowing more difficult or more expensive.
  • Pay in 3 eligibility鈥痠s subject to status and approval. 18+ UK residents only. See product terms for more details.
  • Available on eligible purchases only. 180 day time limit and other terms apply.

Enjoy the power to pay later

No late fees

When you choose Pay in 3 or Pay Monthly there鈥檚 no risk of late fees. It鈥檚 that simple.

Widely available

Shop at your favorite brands, enjoy now, and pay later.

Quick decision

You won鈥檛 have to wait long to see if you鈥檙e approved.

Backed by PayPal

Get Purchase Protection on eligible purchases.

See our聽Pay in 3 FAQs

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鈥檚 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?

We鈥檙e 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聽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鈥檒l be taken through the application process. You鈥檒l get a decision instantly, but not everyone is approved based on the checks we carry out.

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鈥檒l need to provide your:

  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details

How is my application for PayPal Pay in 3 assessed?

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.聽We may also run a 鈥渟oft鈥 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.

Are there any fees associated with PayPal Pay in 3?

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

Most frequently asked questions

Learn more about PayPal.