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 set up fees or charges.* It’s a great way to help you stay in control of your budget.

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See our Pay in 3 FAQs
See our Pay in 3 T&Cs
See our Responsible Spending Guide

Pay in 3: Easy as 1-2-3…

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

Shop your way with Pay in 3.

It’s an interest free loan.

With Pay in 3, there’s no interest and no set up fees.*

Get a decision in seconds.

You won’t have to wait to see if you’re approved.

It’s 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 £30 - £2,000 at loads of your favourite online stores.

Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone and use may affect your credit score. See product terms for more details.

Shop now

Give yourself the power to buy now and pay later.

Watch the video to see how Pay in 3 lets you pay over time, when you buy the things you love, want and need now.

Some of the millions of online stores
where you can Pay in 3:

Spend smarter

Check out our guide to financial empowerment with
loads of practical info about managing your money.

Check It Out

Chill… 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

Still have questions? Check out our FAQs to learn more

See Our FAQs

For full product terms, check our T&Cs page.

* Subject to status. Terms and Conditions apply. UK residents only. PayPal is a responsible lender. Pay in 3 performance may influence your credit score.
** Available on eligible purchases only. 180 day time limit and other terms apply.

PayPal Pay in 3 is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. 22-24 Boulevard Royal L-2449, Luxembourg.

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