PayPal Pay in 3 or PayPal Credit

Everything you need to know about our new Paypal Pay in 3 and Paypal Credit service.

Email the team

PayPal is one of the world’s most trusted ways to pay online. You can use PayPal to pay for your delivery securely, whether you have a PayPal account or not. If you do not have an account, you can still pay using a debit or credit card through PayPal’s secure checkout.

What is Pay in 3 and how does it work?

PayPal Pay in 3 lets most UK customers split their payment into three equal interest-free payments. You pay the first part at checkout, then PayPal automatically takes the other two payments every 30 days - with 0% interest and no hidden fees.

Who can use Pay in 3?

Pay in 3 is available to most UK customers on orders between £30 and £2,000. Your eligibility depends on your PayPal account history and a quick credit check by PayPal.

Can I use Pay in 3 if I do not have a PayPal account?

Yes, you can create a PayPal account during checkout if you wish to use Pay in 3. If you prefer to pay by card without splitting the payment, you can check out as a guest without an account.

Are there any fees or interest charges?

No. Pay in 3 is 0% interest, as long as you make your payments on time. PayPal does not charge any additional fees for using this service.

What happens if I miss a payment?

PayPal will try to collect the missed payment again. They may charge a late fee if you do not pay on time, and you may not be able to use Pay in 3 for future purchases.

How do I check my Pay in 3 payment dates?

Log into your PayPal account and view the details of your Pay in 3 plan. You will see the payment schedule and amounts listed clearly in your account.

We reply from 9am, Monday to Friday

Talk to the team

We're on Live Chat and email, Monday to Friday, 9am to 5pm.

Email the team