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 online
Buy from top online shops today. Pay later.
Experience the simplicity of online shopping with PayPal Pay in 3. Update your living room, wardrobe, or accessories now while spreading your payments over time. Shopping online has never been easier.
How PayPal Pay in 3
works
We offer a flexible payment option for your online 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.
Shop online with ease
PayPal makes shopping online safe and convenient, while offering you more ways to pay. Enjoy benefits like secure transactions, buyer protection2, and the flexibility to manage your payments online or in the app.
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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to pay
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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.