For full product terms, check our T&C’s page
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.
Buy now, pay later FAQs
Discover more ways to shop
Join the millions around the world who love PayPal
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.
Download the 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 purchases are covered by the same security and Buyer Protection you already enjoy from PayPal.2
Shop your way with Pay in 3
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
| Pay in 31 | |
|---|---|
| Purchase Amount | £30-£2000 |
| 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 | Included |
| Sign-up and late fees | None |
Pay in 3 with these top brands
Plan. Buy. Pay in 3.
Spend smarter
Check out our guide to financial empowerment with loads of practical info about managing your money
Buy now and Pay in 3
Plan. Buy. Pay in 3.
Time and flexibility are on your side. Manage your budget and break the payments up over 2 months.
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.