Flexibility to pay the way that works for you

No late fees

With Pay in 3, there's no interest, no late fees or setup fees.1

Widely available

Shop at your favourite brands and enjoy paying later.

Quick decision

You won’t have to wait long to see if you’re approved.

Backed by PayPal

Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal.2

Shop your way with Pay in 3

Pay in 3

Make the first payment at the time of purchase and make two more payments on the same date each month. Split your purchases of between £30 and £2,000 into 3 interest-free payments without late fees.1

It’s effortless to manage your plans

Manage payments in the app or online, to confidently keep track of your payments.

Get to know Pay in 3

Get to know Pay in 3
Pay in 31
Purchase Amount £30-£2000
Number of payments 3 interest-free payments
Time between payments First payment is made at the point of purchase with the next two payments made automatically on the same date over two months.
Repayment method​ Debit card, or confirmed bank account
Buyer Protection2 Included
Sign-up and late fees None

Pay in 3 with these top brands

Plan. Buy. Pay in 3.

Choose PayPal at checkout

then select Pay in 3.

Get a quick decision

and if approved, make your first payment today.

Make two more payments automatically

on the same date, each month.

Spend smarter

Check out our guide to financial empowerment with loads of practical info about managing your money

Buy now, pay later FAQs

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Download the app on your phone or sign up for free online.

A QR code you can scan with the camera on your phone to download the PayPal app