Pay now with PayPal or spread the cost with three interest-free payments when you choose PayPal Pay in 3.

PayPal is the quick, easy and safe way to checkout. 173 million people use PayPal to shop on millions of sites worldwide, in 202 countries and with 21 different currencies.

PayPal uses 24/7 data encryption and anti-fraud technology to help keep your information secure.

Link your PayPal account with your credit or debit card (and still earn your reward points) simply by adding the details to your account. Choose how you want to pay, without worrying if there’s enough money in your account. Prefer to buy now and pay later? Spread the cost with PayPal Credit**.

** Borrowing beyond your means could seriously affect your financial status, so please ensure you can afford to make your repayments on time by their due date. Please read the full terms & conditions here.

PayPal is quick & easy to set-up and use with these simple steps:

  1. Sign up quickly for an account with just a few details.
  2. Add your bank account, debit card or credit card.
  3. Check out with an email and password or mobile number and PIN.

Create your PayPal account by clicking here.

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. 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 payments, including making other borrowing more difficult or more expensive.

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.

Our decision making process is automated. We 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 at this time. We may also run a credit check with an external credit reference agency when you apply if we need more information to make our decision. This search will only be visible to you and will not affect your credit score.

Not at the moment. We report the ongoing performance of our Pay in 3 customers to our credit reference agencies, as we believe this promotes responsible lending. However, the UK’s main credit reference agencies are currently unable to fully consume BNPL data. We are working closely with the industry to address this matter. Currently, Pay in 3 does not impact your credit score although using Pay in 3 may impact your ability to obtain credit and the cost of accessing it. More information is available in our Pay in 3 Terms & Conditions and on our website.

There are no fees for choosing to pay with PayPal Pay in 3.

For further FAQ regarding PayPal Pay in 3, click here.

To see PayPal’s full terms & conditions, click here

To see Pay in 3 terms and conditions, click here

To view PayPal’s Responsible Spending Guide, click here.