Choose Pay in 3 at checkout where available, and enjoy the power to split your purchase into three interest-free payments with no set-up fees or charges.* It’s a great way to help you stay in control of your budget.
The current qualifying amount for payment via Pay in 3 is £20-£3000.
Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit and may not be suitable for everyone and use may affect your credit score. See product terms for more details.
Select PayPal at checkout, select 'Pay in 3', and complete a quick eligibility check.
Pay your first instalment today (1/3), followed by two equal monthly payments on the same date each month.
Manage your payments easily via the PayPal app.
With Pay in 3, there’s no
interest and no set up fees.*
PayPal will perform a credit check to assess your eligibility and affordability as part of your application.
Your eligible purchases between £100 and £2,000 are covered by Section 75 statutory protection as well as PayPal Buyer Protection, giving you extra peace of mind when shopping.
Soft credit checks are performed when you apply, which won't affect your credit score. However, if your application is successful and you use Pay in 3, PayPal may report your repayment history to Credit Reference Agencies. Timely payments can help build your credit history, while late or missed payments will negatively impact your credit rating.
PayPal does not charge late fees for missed Pay in 3 payments. However, missing a repayment is a breach of your agreement and may impact your credit score and your ability to use PayPal Pay in 3 or other credit facilities in the future.
If your refund is accepted under Cash Converters' returns policy, PayPal will apply the refund amount directly to your Pay in 3 balance. Any excess funds paid will be refunded to your original payment method.
Subject to status. Terms and Conditions apply. UK residents only. PayPal is a responsible lender. Pay in 3 performance may influence your credit score.
** Available on eligible purchases only. 180-day time limit and other terms apply.
PayPal Pay in 3 is a trading name of PayPal UK Ltd. Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH
Cash Converters (UK) Limited acts as a credit broker and not a lender. PayPal Pay in 3 is a trading name of PayPal UK Ltd. Credit is subject to status, UK residents aged 18+ only. Terms and conditions apply.
If you are experiencing financial difficulty or debt, free and impartial advice is available at MoneyHelper (moneyhelper.org.uk) or StepChange (stepchange.org).
