Choose Pay in 3 at checkout where PayPal is 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.
Make the first payment now, the rest in two payments every month on the same date.
Check out these amazing benefits
It’s an interest free loan.
With Pay in 3, there’s no interest and no set up fees.*
Get a decision in seconds.
You won’t have to wait to see if you’re approved.
It’s backed by PayPal.
Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal**.
Use it at millions of merchants online.
You can use Pay in 3 on purchases £30 - £2,000 at loads of your favourite online stores.
Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone and use may affect your credit score. See product terms for more details.
PayPal Pay in 3 is a payment method where you can buy now, and pay later by splitting the cost of your order over three instalments. The first payment will be due at time of purchase and subsequent payments due every month on the same date.
To pay with PayPal Pay in 3, you’ll need to be over the age of 18, and living in the UK (this excludes customers in the Channel Islands and the Isle of Man).
You’ll need to spend £30 or more (up to £2000) to pay using PayPal Pay in 3.
Your credit worthiness will be checked before your order is confirmed so your application to use PayPal Pay in 3 may be rejected.
PayPal Pay in 3 gives you extra flexibility when paying for your order as you're able to spread the cost through instalments. If you choose to pay using PayPal Pay in 3, please remember to spend responsibly – sometimes, delaying or splitting up payments might not always be the best option. We want you to shop with confidence, so we’ve provided all the info you need below.
At the checkout, you’ll have the option to pay via PayPal Pay in 3. You’ll then be directed to log into your PayPal account, where you’ll see PayPal Pay in 3 as one of the available payment methods.
After selecting it, you can apply for a PayPal Pay in 3 plan in a few simple steps, get an instant decision and finish checking out. Your order total will be divided equally into 3 instalments, with the first instalment due at the time of purchase.
The remaining two instalments will need to be paid directly in your PayPal account on the same date, for following 2 months. If you paid for your order on the 31st, and the following month only has 30 days, your instalment will be due on the last day of the month.
PayPal will send you a reminder by email or text message to let you know when your next payment is coming up or you can see your payment schedule or make unscheduled payments at any time by logging into your PayPal account.
There are no fees to use PayPal Pay in 3.You can see details of how much you owe at any time, by logging into your PayPal account.
You’ll be sent a reminder by email or text message from PayPal to let you know when your next payment is coming up. You can also see your payment schedule or make unscheduled payments at any time by logging into your PayPal account. If you want to pay the entire balance off at once, you can also do this.
Please note, your credit score could be affected if payment isn’t made.
Still have questions? Check out our FAQs to learn more
PayPal Pay in 3 is an independent payment provider and Onedirect have no influence over whether your payment with PayPal Pay in 3 is accepted or not. If you have any trouble with your order, please contact PayPal Pay in 3 Customer Service.