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Pay in 3 payments on eligible purchases: Learn more
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More ways to pay with PayPal Pay in 3

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. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments to avoid late fees and possible impact to your credit score.

How can I pay with PayPal Pay in 3?

Just choose to pay with PayPal when you shop online, log into your PayPal account and, if it is an eligible transaction, you’ll see PayPal Pay in 3 as one of the available payment methods. After selecting it, you can apply for a PayPal Pay in 3 plan in a few simple steps, get an instant decision and finish checking out.

When will my payments be charged?

Your first payment will be charged at the time you make the purchase. After that, your 2nd and 3rd payments will be charged in the two subsequent months, on the same day of each month. For example, if you make a purchase on 5th May, your 2nd and 3rd payments will be due on 5th June and 5th July.

If a payment is due on a date which doesn’t exist in a month, such as the 31st February, then payment will be taken on the last day of that month.

We’ll send you a reminder by email or SMS 10 days before your payment is due detailing the amount of your payment, the payment due date and the funding instrument the payment will be taken from. You can see your payment schedule or make unscheduled payments at any time by logging into your PayPal account.

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

To apply for PayPal Pay in 3, you’ll need to provide your:

Title
Phone number
Address
Date of birth
Debit card information

Can I pay off the entire PayPal Pay in 3 plan at once?

Yes, just log into your PayPal account, choose the PayPal Pay in 3 plan you want to pay off, and click Make a Payment. Then you can make an unscheduled payment of Next Payment Due or Full Balance.

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