Buy now, pay later with 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.
If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process and you’ll get a decision from them instantly.
How to pay with Pay in 3
1. Select the Pay Later button shown during checkout:
2. In the pop-up window, log into your PayPal account.
3. Choose the Pay in 3 option in the Pay Later section:
4. Continue the process to submit your application to PayPal, who will provide an instant decision.
Frequently Asked Questions
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. 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.
How long will my PayPal Pay in 3 plan last?
Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.
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
- Payment details
How is my application for PayPal Pay in 3 assessed?
PayPal's decision making process is automated. They assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you. They may also run a “soft” credit check with an external credit reference agency when you apply if they need more information to make their decision. This search will only be visible to you and will not affect your credit score. Safety Systems Distribution Ltd is not involved in the application process or decision making and none of the submitted information is shared with us.
Are there any fees association with PayPal Pay in 3?
There are no fees for choosing to pay with PayPal Pay in 3.
When will my payments by 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.
PayPal will 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 source 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 purchase amounts qualify for PayPal Pay in 3?
You can use PayPal Pay in 3 for eligible shopping cart amounts between £30.00 to £2,000.00.
Do I still get PayPal buyer protection when I choose PayPal Pay in 3?
Yes. As usual, Buyer Protection applies to your eligible purchases made with PayPal Pay in 3.