Paypal Pay in 3!

Time and flexibility are on your side. Manage your budget and break the payments up over 3 payments.

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.

No Late Fees
Widely Available
Quick Decision
Backed by Paypal
With Pay in 3, there's no interest, no late fees or setup fees.1

Shop at your favourite brands and enjoy paying later.

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

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

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

Purchase Amount


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


Sign-up and late fees