Pay in 3 is an interest-free loan that lets you split your basket into 3 repayments, with the first due at the time of purchase and subsequent repayments owing every month on the same date. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and be aware of the possible impact of missing repayments, including future eligibility for Pay in 3 and making other borrowing more difficult or expensive.

Pay in 3 will appear as a payment method for eligible online basket values between £30 and £2,000 when you checkout with PayPal. Upon applying, you’ll receive a decision within seconds, although not every application will be approved.

PayPal does not charge any sign-up, application, late, or Not Sufficient Funds (NSF) fees when you pay with Pay in 3. However, if your repayment is returned because of insufficient funds or for another reason, your bank or financial institution may charge you an NSF or other fee.