Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and be aware of the possible impact of missing payments, including future eligibility.

Will I be able to use PayPal Pay in 3?

We're offering PayPal Pay in 3 to a growing number of our UK customers.

PayPal Pay in 3 is not available for certain sellers and goods. We may also decide not to offer PayPal Pay in 3 as an option based on our internal checks.

If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you'll be taken through the application process. You will get a decision instantly, but not everyone will be approved based on our internal checks.

How can I pay with Pay in 3?

Just choose to pay with PayPal when you shop online, and if it is an eligible transaction, you will see Pay in 3 as one of the available payment methods. Simply apply for a Pay in 3 plan in just a few steps, get an instant decision and finish checking out.

What purchase amounts qualify for PayPal Pay in 3?

PayPal Pay in 3 is available on eligible shopping cart values between £30 and £2,000 GBP.

What are the terms and conditions for my Pay in 3 plan?

You must read the cash advance agreement of your Pay in 3 plan before you submit your application. You will see the link to the cash advance agreement when you choose to apply for Pay in 3 at checkout. You will also have the option to download the cash advance agreement.

Once your plan starts, we will send you an email containing important information about your Pay in 3 plan, including how to locate your cash advance agreement.

Are there any fees associated with Pay in 3?

There are no sign-up fees for choosing to pay with PayPal Pay in 3 and no late-payment fees. However, if you miss a repayment, this may impact your ability to access other sources of credit or use Pay in 3 in the future.

Your loan will last 2 months in total. The down payment will be due at the time of purchase, followed by 2 subsequent repayments due each month after that.

Where can I pay with Pay in 3?

I applied for the Pay in 3 pre-approved application and it was denied. Why?

Pre-approval is not a guarantee of approval. For privacy reasons, only you can see why your application was declined. You were shown a reason within the application decision that should have provided additional information.