Pay Pal

Plan. Buy. Pay in 3.

Time and flexibility are on your side.

Manage your budget and break the interest-free payments up over 2 months.

 

 

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.

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.

 

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

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. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details. You can use Pay in 3 on purchases £20.00 - £3,000.00.
Buyer Protection is available on eligible purchases only. Time limit and other terms apply. See the Buyer protection section of your local User Agreement for more information.
Promotion period runs from 1 July 2025 to 30 September 2025 and promotion consists of three individual monthly offers. To participate in any monthly offer of the promotion, the cashback offer for that calendar month must be activated and accepted in the PayPal app during that calendar month. You must select a category each month in order to participate and earn cashback. For offers activated in any calendar month of the promotion, cashback will only be earned on purchases made during that calendar month and after activation of that month’s offer, and is capped at 15GBP per month. Terms and exclusions apply.