0% interest-free credit with PayPal

What is PayPal Pay in 3?

PayPal Pay in 3 creates simple, secure, fair and transparent credit and payment solutions that give shoppers more freedom. PayPal Pay in 3 allows you to own the things you want now, and pay for them in 3 simple instalments. All interest-free on purchases, which could be up to £2000.

Am I eligible to pay using PayPal Pay in 3?

To shop using PayPal Pay in 3, you need to be over the age of 18, have a UK issued debit card, be living in the UK and have a good credit history.


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.


PayPal Pay in 3 FAQs

What exactly is PayPal Pay in 3?

PayPal Pay in 3 is an interest-free loan that allows you to spread your purchase across 3 payments. The first payment will be need to be made at time of purchase, with the remaining 2 payments being due each month afterwards on the same date. Please note that Pay in 3 is a form of credit, please carefully consider if you can afford the repayments and potential impact to your credit score.


Will I be able to use PayPal Pay in 3?

You will be taken through the application process and will get a decision instantly if you choose PayPal Pay in 3 as your payment method at checkout. Please note that not everyone will be approved based on internal checks.

In certain circumstances, you may not be offered PayPal Pay in 3 if checks suggest an increased risk of fraud or where data that PayPal holds may suggest you aren’t eligible.


How long will my PayPal Pay in 3 last?

Your plan will last 2 months – with the first payment being taken at time of purchase, followed by the remaining 2 payments that will be due at the same time each month afterwards.


What information do I need to apply for PayPal Pay in 3?

To apply for PayPal Pay in 3, you’ll 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.

Your decision is assessed by using a combination of the information you provided in your application with any information about your history with PayPal, which will determine your financial position. Our decision making process is automated.

Will applying for PayPal Pay in 3 affect my credit file?

Not at the moment. PayPal reports the ongoing performance of their Pay in 3 customers to their credit reference agencies, as they believe this promotes responsible lending. However, the UK's main credit reference agencies are currently unable to fully consume BNPL data. PayPal are working closely with the industry to address this matter.  Currently, Pay in 3 does not impact your credit score although using Pay in 3 may impact your ability to obtain credit and the cost of accessing it. More information is available in PayPal Pay in 3 Terms & Conditions and on their website.


* 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.