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’s 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 missing payments, including making other borrowing more difficult or more expensive.

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See our Pay in 3 FAQs
See our Pay in 3 T&Cs
See our Spend Smarter 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 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.

Shop now

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

1 / 10

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

* 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 missing payments, including making other borrowing more difficult or more expensive.
Pay in 3 eligibility is 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.

Still have questions? Check out our FAQs to learn more

See Our FAQs

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

PayPal Pay in 3 is a trading name of PayPal UK Ltd. Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.