Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. You may find our Spend Smarter Guide helpful. For full product terms, check our T&C’s page.
Buy now, pay later for clothes
Buy a new outfit. Pay later.
Shop for new clothes and simply pay in 3 manageable instalments. Update your wardrobe with the styles you want and spread your payments over time, making it easier than ever to stay on trend while staying in control of your budget.
Check out with online shops and retailers you love
How PayPal Pay in 3
works
We offer a flexible payment option for your clothing purchases, so you can spread the cost at checkout.
Pay in 31 | |
|---|---|
Purchase amount | £30-£2000 |
Interest and payments | 3 interest-free payments with no late fees. |
Time between payments | First payment is made at the time 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 on eligible purchases |
Sign-up and late fees | None |
Plan. Buy. Pay in 3.
01
Checkout
Choose PayPal at checkout then select Pay in 3.
02
Get a decision
Get a quick decision, and if approved, make your first payment today.
03
Make payments
Make two more payments automatically on the same date, each month.
Managing payments
Keep tabs on your payments for clothes and fashion in the PayPal app or online. Whether you're refreshing your wardrobe or buying the latest trends, stay on top of your payment schedule with ease.
Spend smarter
Think needs before wants
Make a list of your essential outgoings and subtract them from your monthly income to see what you have left for the fun stuff.
Stay safe and secure
When shopping online, stick to reputable vendors and check for the padlock symbol in your address bar which shows the site is secure.
Consider how you pay
Spreading the cost of a bigger purchase over time and splitting it into more manageable payments can help when it comes to budgeting.
Know your limits
Set a limit for how much you can spend and ringfence it in a payment app or separate bank account.
Buy Now, Pay Later FAQs
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