PayPal Pay in 3Updated 3 days ago

What is PayPal Pay in 3?

PayPal Pay in 3 lets you split your order into 3 interest-free payments.

• First payment: Taken at checkout.
• Second payment: Taken 1 month later.
• Third payment: Taken 2 months later.

There’s no interest or additional fees when payments are made on time. PayPal pays us upfront and spreads the cost across your instalments.

Am I eligible?

To use PayPal Pay in 3, you must:

• Be 18 years or older
• Have a UK PayPal account
• Have a UK residential address (excluding the Channel Islands and Isle of Man)
• Have a UK debit card or bank account linked to your PayPal account

Eligibility is determined by PayPal at checkout and may vary per order. PayPal may carry out a soft credit check, which won’t affect your credit score.

Why wasn’t I offered PayPal Pay in 3?

PayPal Pay in 3 is not available for every order. Eligibility depends on factors such as your order value and PayPal account history. If it isn't offered, you can still complete your purchase using a standard PayPal payment or an alternative method.

Will PayPal Pay in 3 affect my credit score?

PayPal may carry out a soft credit check when you apply for Pay in 3. This won’t leave a permanent mark if you choose not to proceed.

If you use PayPal Pay in 3, PayPal may report your repayment performance to credit reference agencies. Please ensure repayments are affordable before selecting this option.

What happens if a PayPal Pay in 3 payment fails?

If a scheduled payment can’t be collected, this may be due to:

• Insufficient funds
• An expired or changed card
• Bank restrictions

You can update your payment method or make a manual payment by logging into your PayPal account. For further assistance, please contact PayPal Customer Support directly.