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. You may find our Spend Smarter Guide helpful.
Paying with PayPal
Check out conveniently
With more ways to pay, you can shop how you want and track it all in one place.
Check out fast
globally
With PayPal, you don’t have to enter your info every time you pay. Just add your cards and bank account to PayPal. We’ll help keep them secure so you can shop anywhere PayPal’s accepted.
Pay now or
pay later
You’re set! Pay in 31 or all at once, with some of the world's biggest brands. Divide your purchase into 3 interest-free payments payable over a period of 2 months.
pay
smarter
Pool money
Easily pool money with friends for group gifts, trips, and more—safely and conveniently in your PayPal app.2
Split bills
Easily split any shared expense—from the dinner bill to rent—amongst multiple people.3
Pay with confidence
Track eligible packages in the App*—even if you didn’t pay with PayPal. Rely on PayPal Buyer Protection if you don’t receive your eligible purchases or it arrives differently than described. Terms and limitations apply.4
Frequently asked questions
All
in the
PayPal app
Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.