PayPal Buy now and Pay in 3

Plan. Buy. Pay in 3.

Time and flexibility are on your side. Manage your budget and break the payments up over two months.

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 PayPal's Spend Smarter Guide helpful.

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Flexibility to pay the way that works for you

No late fees

With Pay in 3 there's no interest, no late fees or setup fees.

Widely available

Shop at your favourite brands and enjoy paying later.

Quick decision

You won't have to wait long to see if you're approved.

Backed by PayPal

Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal

Shop your way with Pay in 3

Pay in 3

Make the first payment at the time of purchase and make two more payments on the same date each month. Split your purchases of between £30 and £2,000 into three interest-free payments without late fees.

It’s effortless to manage your plans

Manage payments in the app or online, to confidently keep track of your payments.


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The Green Reaper Limited is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority FRN 804082. We do not charge you for credit broking services. We will introduce you to Finance available from a number of our partner lenders. The Green Reaper Limited - Company number 5348625 - VAT number GB 855 4243 19. Copyright © 2003-2024 All rights reserved