Pay in 3: Shop Now, Pay Later

Paying for laptops on finance via PayPal Credit will help you spread the cost, making your big purchases way more manageable! Pay monthly instalment over 6 or 12 months for purchases over £99, 18 or 24 months for purchases over £199.


Pay in 3 interest-free payments

Available for purchases of £30 to £2000. No sign-up fees or late fees.

Example of a £90 purchase


How do I apply for PayPal Pay In 3?


Choose PayPal at checkout to pay later with Pay in 3.


Apply for Pay in 3 and get a decision instantly


Make 1st payment (Remaining payments are taken automatically)

PayPal Pay in 3: PayPal Pay in 3 is not regulated by the Financial Conduct Authority. 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

For more information on PayPal Pay in 3, please visit PayPal’s FAQ page here.

Frequently Asked Questions

PayPal Pay in 3

PayPal Pay in 3 is an interest free loan that lets you split your purchase into three interest-free payments. The first payment is due at checkout, and the next two are due monthly on the same date. It's a handy way to spread the cost of bigger purchases or cover emergencies. Just remember, it's a form of credit, so make sure you can manage the repayments to avoid any negative impact on your finances.

There are no fees for using PayPal Pay in 3.

PayPal Pay in 3 is available to an increasing number of UK customers. It's not available for certain merchants and goods. PayPal may not offer it in some cases, such as potential fraud risks or if data suggests you may not be eligible. Checks are done with an external credit reference agency, visible only to you and won't affect your credit score. If you choose PayPal Pay in 3 at checkout, you'll go through an application process and get an instant decision, though not everyone will be approved based on the checks.

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.

To apply for PayPal Pay in 3, you’ll need to provide your:
  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details

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 “soft” 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.

For more info and offers, visit PayPal Official page