How it works

1

Choose PayPal at checkout

Select Pay in 3 at checkout to spread your payment over two months.

2

Pay the first instalment today

Pay the first amount when you buy, and we’ll show your full plan upfront before you confirm.

3

Automatic monthly payments

We’ll take the remaining two payments automatically each month, on the same date.

Key points at a glance

  • Interest-free: No interest or late fees from PayPal.
  • Quick decision: Find out instantly if you’re approved at checkout.
  • Range: Available on eligible purchases of £30–£2,000 for UK customers.
  • Flexible payments: First payment upfront, then two monthly payments automatically.
  • Soft check: A soft credit check may be performed but won’t affect your credit score.

Who can use Pay in 3?

PayPal Pay in 3 is available to eligible UK residents for qualifying purchases. Availability and maximum purchase limits vary. Currency conversion fees may apply for non-GBP transactions.

Eligibility and approval are determined solely by PayPal.

Manage your payments

View, track or make early repayments directly from your PayPal account. Linked debit cards or bank accounts can be used for payment, and you can also make manual payments using your PayPal balance.

Important information

† PayPal Pay in 3 is a short-term, interest-free instalment product. It is an unregulated credit agreement in the UK. Missed payments may affect your ability to obtain credit in the future. See PayPal’s full terms and conditions for details.

Learn more on PayPal