Credit option

What is PayPal Pay in 3?

PayPal Pay in 3 is a service that allows customers to split their purchase into 3 easy, interest-free instalments instead of one upfront cost.

With PayPal’s Pay in 3, any purchase over £30 qualifies for the service. The service offers an interest-free loan that lasts 2 months total. You pay the first instalment up front, then make the other two payments monthly on the same date.

There are no set-up fees or charges, and your purchases are covered by PayPal’s top-of-the-line consumer security and Buyer Protection.

Plus, you’ll get a decision in seconds—meaning you won’t have to wait to see if you’ve been approved.

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How does Pay in 3 work?

It’s easy as pie—we swear.

We send you a payment link. Then, at checkout, select the PayPal Pay in 3 payment option - see example, which is £1,000 split into 3.

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You’ll be directed to PayPal’s application form, which will tell you immediately whether or not you qualify for the service.

From here, you simply make the first payment—which will equal a third of the total cost of your order. You’ll then make future payments monthly on the same date for the next two months.

It’s that simple!

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Will PayPal Pay in 3 affect my credit?

Pay in 3 is a form of credit.

For this reason, PayPal may run a soft credit check during your application process, which will only be visible to you.

If you decide to go forward with Pay in 3, PayPal will report your ongoing performance and repayments to credit reference agencies, which will impact your credit score and be visible to future lenders.

For this reason, it’s crucial that you’re able to keep up with your repayments and that you’re comfortable with them before signing on the dotted line, as it were.

Remember: Buy Now Pay Later services are lines of credit, so they’ll affect your credit score.

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Can anyone use Pay in 3?

It’s important to note that you must be a UK resident to use this service. You must also meet certain eligibility requirements for the service—but you’ll find out immediately whether you’ve been accepted or declined for the service when you submit your application.

When you apply for Pay in 3, PayPal will assess your financial situation using the information you provided on your application, along with any stored data they have about your PayPal usage and history. They’ll use this info to determine whether or not you’re eligible for the service.

If they need more information to be able to make a decision, they’ll run a credit check, which will only be visible to you (not to other lenders).

This process is automated.

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Can I have multiple PayPal Pay in 3 plans at the same time?

Yes, you can. As long as you see the option for PayPal Pay in 3 at checkout, you can choose a new PayPal Pay in 3 plan. You’ll see all of your PayPal Pay in 3 plans in one place in your PayPal account under PayPal Pay in 3, including plans you completed in the past 12 months.

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What happens if I can't make my payments?

PayPal believe in responsible lending and will make efforts to support customers who are experiencing financial difficulty. If you know you will be unable to make a payment or are otherwise concerned about your finances, the best thing to do is to contact PayPal to discuss this in advance. Don’t wait until your payment is overdue.
However, if you miss a repayment this may impact your ability to access other sources of credit or use Pay in 3 in the future.
If a payment does become overdue, PayPal's collections team will work with you to find the best solution.

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What are the terms and conditions for my PayPal Pay in 3 plan?

You’ll see the link to the terms and conditions when you choose to apply for PayPal Pay in 3 at checkout, and you must read them before you submit your application. You will also have the option to download the terms and conditions.
Once your plan starts, PayPal will send you an email containing important information about your PayPal Pay in 3 plan, including how to locate your terms and conditions.

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Can I pay off the entire PayPal Pay in 3 plan at once?

Yes, just log into your PayPal account, choose the PayPal Pay in 3 plan you want to pay off, and click Make a Payment. Then you can make an unscheduled payment of Next Payment Due or Full Balance.

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How much can I get in credit?

Up to £2,000 with 'Paypal Pay in 3' Plan. For larger amounts, Paypal offer 0% credit for up to 4 months with 'Paypal Credit'.

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Summary

PayPal’s Pay in 3 service allows you to break up the cost of your order into 3 manageable payments over a two month period. You’ll pay a third up front, a third the next month on the same date, and the last third the following month.

We know that money has been a tough subject for most of the UK’s population, which is why we’re now offering this service to customers wanted to spread the cost of there treatments and still benefit from the excellent savings we provide on courses.

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For further information about PayPal Pay in 3, please visit the official PayPal website.

How to get started video:

https://www.youtube.com/watch?v=nqJJJpCWgP4

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