Frequently asked questions

All in the PayPal app

Simply and securely manage all of your transactions from one trustworthy place and get access to incredible rewards. Download the new app on your phone or sign up for free online.

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

Get to know Pay in 3

Effortlessly manage your plans

Make the first payment at the time of purchase then make two more monthly payments on the same date each month. Split your purchases of between £20.00 and £3,000.00 into 3 interest-free payments without late fees.1

Get to know Pay in 3
Pay in 31
Purchase amount £20.00-£3,000.00
Number of payments 3 interest-free payments
Time between payments First payment is made at the point of eligible 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, and 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.

Join the rewards revolution

Built to give you more points

PayPal+ is redefining what rewards3 can do. That means you can Pay in 3 and still turn pounds into points. With PayPal+ there are no gotchas, no catches. Just points, for everything that counts.

Pay your way

Pay over time with PayPal Credit4

Want points with even more flexibility? Shop with PayPal Credit and get 0% interest over 4 months every time you spend £99 or more. You’ll earn 1 point per £10 spent with PayPal+.

Representative Example

Representative Example
Representative Purchase interest rate Assumed credit limit
23.9 %
APR (variable)
23.9 %
p.a. (variable)
£1,200

Representative

23.9 %
APR (variable)

Purchase interest rate

23.9 %
p.a. (variable)

Assumed credit limit

£1,200
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Subject to status. Terms and conditions apply. UK residents only.