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.
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Shop at some of the world’s biggest brands with PayPal. Rest easy knowing PayPal Buyer Protection1 has your back while shopping on eligible purchases.
Pay now or pay over time. It’s your choice.
Pay in 3
Pay the way that works for you. Split your purchases into 3 interest-free payments with no fees, wherever you see PayPal.2
PayPal Credit
PayPal Credit is your reusable credit line almost anywhere PayPal is accepted. It also secured the title of Best Retail Finance Provider at the 2024 Smart Money People's Consumer Credit Awards for the third year straight.
PayPal Credit is a regulated credit product. It gives you a credit limit which can be used for promotional offers or making purchases at your standard variable rate. Representative 23.9% APR (variable). Credit subject to status. Terms and conditions apply. UK residents only.
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Send and receive money quickly and securely to just about anyone, anywhere3
Pay securely
Your transactions and payments are encrypted. PayPal works hard to keep your financial information and payments secure.
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Simply and securely manage your transactions from one trustworthy place and get access to special offers.
Download the new app on your phone or sign up for free online.