Buy Now Pay Later - PayPal Pay in 3

Manage your budget and break the interest-free payments up over 2 months with PayPal Pay in 3.

• No late fees - With Pay in 3, there's no interest, no late fees or setup fees.
• 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.

What is PayPal Pay in 3?

PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. 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.

Will I be able to use PayPal Pay in 3?

If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone is approved based on the checks PayPal carry out.

Can PayPal Pay in 3 ever impact my credit score?

When applying for a PayPal Pay in 3, PayPal may conduct a "soft" credit check if they need more information to make a decision. "Soft" credit checks are not visible to others, so have no impact on your credit file. However, they do share some data on your repayment history with Transunion. Although it does not impact your credit score, this data will be visible to other companies and may impact your ability to obtain credit from other lenders and the cost of accessing it. More information is available in the Pay in 3 Terms & Conditions.

How long will my PayPal Pay in 3 plan last?

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

What information do I need to apply for PayPal Pay in 3?

• Title
• Phone number
• Address
• Date of birth
• Payment details

How is my application for PayPal Pay in 3 assessed?

PayPal's decision making process is automated. They assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time. They may also run a "soft" credit check with an external credit reference agency when you apply if they need more information to make a decision. This search will only be visible to you and will not affect your credit score.

Are there any fees associated with PayPal Pay in 3?

There are no fees for choosing to pay with PayPal Pay in 3.