PayPal Pay in 3 allows you to pay for your purchase in three interest-free instalments. 

Your first instalment is due at the time you make your purchase. Your second and third instalment will be due on the following two months. These are detailed in Clause 1.3 below.

Repayments are made automatically from your PayPal account using the funding source you select.

If you miss a repayment, your credit record may be affected in a way that makes it more difficult or expensive to obtain further credit.

You may repay the amount you owe in full at any time, without any fees or charges. 

We may carry out a credit check when you apply – if we do, this will leave a mark on your file that can only be viewed by you and not by others. 

We will provide information on how you manage your repayments to credit reference agencies. 

Before you proceed, please carefully consider these terms and conditions and whether you will be able to make the repayments when they are due. 

Please refer to our Privacy Statement at https://www.paypal.com/uk/webapps/mpp/ua/privacy-full for more information about how PayPal processes your personal data.

Shop your way with Pay in 3.

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.

It’s an interest free loan.

With Pay in 3, there’s no interest and no set up fees.

Review this product:

H2O PayPal Credit 2024

You must be logged in to review a product. Click here to login or register if you don't already have an H2O Sports account.