{"id":367636,"date":"2021-01-22T20:12:14","date_gmt":"2021-01-22T20:12:14","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=367636"},"modified":"2024-08-22T08:41:42","modified_gmt":"2024-08-22T07:41:42","slug":"paypal-pay-in-3-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-pay-in-3-review","title":{"rendered":"PayPal Pay in 3 review: What is it and how does it work?"},"content":{"rendered":"<p>In 2021, PayPal scrapped late payment fees on its buy now, pay later service, Pay in 3. So is PayPal Pay in 3 worth considering? Our review covers what you need to know.<\/p><h3>What is PayPal Pay in 3?<\/h3><p>PayPal Pay in 3 is PayPal\u2019s buy now, pay later service that lets you split your online shopping basket into three interest-free manageable payments.<\/p><p>PayPal says you can use PayPal Pay in 3 for eligible shopping cart amounts between \u00a330 and \u00a32,000 at most online retailers that accept PayPal.<\/p><h3>How does PayPal Pay in 3 work?<\/h3><p>At the checkout, just choose to pay with PayPal, log in to your PayPal account and you should then 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, get an instant decision and finish checking out.<\/p><p>You\u2019ll need to pay the first instalment at the time of purchase and then the two following payments will be on the same date in the two subsequent months.<\/p><h3>Features of PayPal Pay in 3<\/h3><ul><li><b>No fees.<\/b> PayPal is free to use. If you\u2019re late with a payment, the late payment fee is \u00a30.<\/li><li><b>Zero interest.<\/b> PayPal Pay in 3 doesn\u2019t charge any interest on the total amount.<\/li><li><b>Automatic payments.<\/b> The second and third instalments will be automatically taken each month from your bank account by PayPal Pay in 3.<\/li><li><b>Easy split.<\/b> PayPal Pay in 3\u2019s simple payment plan splits the total into three equal instalments.<\/li><li><b>Payment reminders.<\/b> You\u2019ll be sent an email or SMS reminder to let you know when your next payment is coming up.<\/li><li><b>Buyer Protection.<\/b> You\u2019ll be covered by PayPal Buyer Protection on eligible PayPal Pay in 3 purchases.<\/li><li><b>Multiple currencies.<\/b> You can pay in all currencies that PayPal supports, not just GBP.<\/li><\/ul><h3>How much does PayPal Pay in 3 cost?<\/h3><p>There are no fees for choosing to pay with PayPal\u2019s buy now, pay later scheme. If you\u2019re late with a payment, PayPal won\u2019t charge any late payment fees.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><ul class=\"list-3\"><li>Warning: Late repayments can cause you serious money problems. For help, contact the government\u2019s free money advice website, <a href=\"https:\/\/www.moneyhelper.org.uk\" target=\"_blank\" rel=\"noopener noreferrer\">Money Helper<\/a>.<\/li><\/ul><\/div><\/article>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 100px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>How do I sign up to buy now, pay later with PayPal?<\/h3><p>First and foremost, your shopping cart will need to be between \u00a330 and \u00a32,000, and you\u2019ll need a PayPal account to check out with.<\/p><p>Once you\u2019ve logged in to PayPal, if PayPal Pay in 3 is available as a payment method, you\u2019ll need to give your name, phone number, address, date of birth and your debit card information. You should know instantly whether you\u2019re approved for financing.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Before signing up to any BNPL service, be sure to check the terms and conditions carefully so you know exactly what you\u2019re agreeing to. Make sure you have also budgeted sufficiently so that you can repay what you owe on time.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>How do I pay with PayPal pay in 3?<\/h3><p>Once you are at the checkout page of your chosen retailer, select PayPal as your payment method. After you sign in to your PayPal account, if the \u201cPay in 3\u201d option is available for your order you will see the option to select this service.<\/p><h3>How does PayPal Pay in 3 assess applications?<\/h3><p>It assesses your financial position using a combination of the information in your application and information about your PayPal usage and history. If it needs more information, it may also run a credit check.<\/p><ul><li><h4>Can PayPal Pay in 3 affect my credit score?<\/h4><p>PayPal says that, as a responsible lender, it will report a customer\u2019s payments and missed payments to the credit reference agency (CRA) TransUnion. However, it adds that the UK\u2019s main CRAs are currently developing their ability to consume BNPL providers\u2019 data. This means that Pay in 3 currently does not impact your credit score but it could in the future. That said, missed payments will be recorded on your credit report so could affect your ability to get credit in the future.<\/p><\/li><li><h4>What if I\u2019m declined?<\/h4><p>If you\u2019re declined for PayPal Pay in 3, you can still use PayPal to check out with your debit or credit card. And if you want to re-apply, you\u2019ll be able to do so 35 days after your last application.<\/p><\/li><\/ul><h3>Where can I shop with PayPal Pay in 3?<\/h3><p>PayPal\u2019s buy now, pay later scheme is available to use at most stores where PayPal is accepted.<\/p><p>You can also pay in any currency that PayPal supports, not just pound sterling. In these cases, PayPal will automatically convert the transaction amount to GBP at checkout before giving the PayPal Pay in 3 plan. You\u2019re likely to also be charged a currency conversion fee.<\/p><p>You can browse our <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/online-stores-accept-paypal\">full list of stores that accept PayPal<\/a> or else check out the latest deals from some of these stores, below.<\/p><h3>Customer reviews<\/h3><p>PayPal scores poorly on Trustpilot, with a rating of 1.3 out of 5 based on over 29,000 reviews. This is considered a \u201cbad\u201d rating overall (updated May 2024).<\/p><h3>Our verdict<\/h3><p>If you\u2019re looking to spread the cost of your purchases with a well-known company, PayPal Pay in 3 might be worth a look. But as with any buy now, pay later service, be careful not to spend more than you can afford to repay. Late payments will be noted on your credit file and overspending could ultimately lead to bigger debt problems. <\/p><h3>PayPal Pay in 3 frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How can I contact PayPal?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>PayPal UK customer support team can be contacted through phone at 0203 901 7000, or visit the <a href=\"https:\/\/www.paypal-community.com\/t5\/PayPal-Here-UK-for-business\/ct-p\/pphuk?profile.language=en-gb\" rel=\"noopener noreferrer target=\" _blank=\"\" target=\"_blank\">PayPal Here community<\/a> support page. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I apply for a refund?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can still apply for a refund when you use PayPal Pay in 3, and you\u2019ll get a partial or full refund depending on how much of the order you\u2019re returning. Partial refunds will lower the amount that you owe in the payments you have left. The refunded money will be paid to your PayPal account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I contact customer service?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Log in to your PayPal account and send the team a direct message. Alternatively, contact the users in the PayPal online community or go to PayPal\u2019s Resolution Centre if you have a transaction or account problem.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Where can I see how much I owe?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Log in to your PayPal account, go to PayPal Pay in 3 and click on the specific PayPal Pay in 3 plan you want to see. The amount you still owe will be under \u201cRemaining\u201d.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I make extra payments or pay the whole plan at once?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. In your PayPal account, choose the PayPal Pay in 3 plan and click on \u201cMake a Payment\u201d. From there, you can make an unscheduled payment by clicking on either \u201cNext Payment Due\u201d or \u201cFull Balance\u201d.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I have multiple PayPal Pay in 3 plans at the same time?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. You can track how much you owe on each plan through your PayPal account. It will also show any plans you have completed in the past 12 months.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I use PayPal Pay in 3 if I have PayPal Credit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can use both services. PayPal\u2019s buy now, pay later scheme is a separate feature from PayPal Credit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Can I pause or suspend my PayPal Pay in 3 payments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No. Once you agree to the terms of your PayPal Pay in 3 plan and your payments begin, the second and third payments will be taken automatically.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Can you use PayPal in 3 anywhere?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>PayPal says that the \u201cPay in 3\u201d option is available on most orders between \u00a330 and \u00a32,000 from the majority of online shops that accept PayPal.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Which stores do PayPal pay in 3?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Almost all stores that accept PayPal are available for customers to use the \u201cPay in 3\u201d option. Top stores with this option include boohoo, Currys PC World, Booking.com, Very, Joules, Superdry, Gymshark, Argento, lookfantastic, Argos, eBay, John Lewis and AO.com.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n<div class=\"contentFeed-responsive-wrapper\" data-content-feed-type=\"content_feed\">\n        <div class=\"contentFeed contentFeed--relatedPosts contentFeed--carousel-version\">\n                    <h3 class=\"contentFeed__title\">Buy now, pay later news and reviews<\/h3>\n                <div class=\"contentFeed__carousel\" data-post-count=\"5\">\n                        <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"4\" style=\"--items-in-view: 4\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                        <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600&amp;webp=1 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900&amp;webp=1 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920&amp;webp=1 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"hand holding phone\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">Half of adults in the UK have now used buy now, pay later<\/a>            <\/p>        <\/header>        <p>Half of adults in the UK \u2013 around 26.4 million Brits \u2013 have now used buy now, pay later (BNPL), according to new research.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Sophie Barber\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/sophiebarber\" rel=\"author\">Sophie Barber<\/a>                    <\/address>                    <time title=\"16 Feb 2024\">16 Feb 2024<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Monzo logo\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Credit Cards<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">What\u2019s Monzo Flex and should you get your hands on one?<\/a>            <\/p>        <\/header>        <p>Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>                    <\/address>                    <time title=\"10 Apr 2026\">10 Apr 2026<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">What is PayPal Credit?<\/a>            <\/p>        <\/header>        <p>Discover more about PayPal Credit to see if it could work for you.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>                    <\/address>                    <time title=\"14 Dec 2023\">14 Dec 2023<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">PollenPay review 2026<\/a>            <\/p>        <\/header>        <p>New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                <img decoding=\"async\" alt=\"Emily Herring\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/emilyherring\" rel=\"author\">Emily Herring<\/a>                    <\/address>                    <time title=\"24 Jan 2024\">24 Jan 2024<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                            <div class=\"fin-carousel-item\">\n                    <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">Klarna vs PayPal: Compare popular buy now pay later platforms<\/a>            <\/p>        <\/header>        <p>Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.<\/p>                    <\/div>                <footer class=\"luna-card__footer\">            <div class=\"luna-author\">                                <div class=\"luna-author__details\">                    <address>by                        <a href=\"https:\/\/www.finder.com\/uk\/author\/georgiarosejohnson\" rel=\"author\">Georgia-Rose Johnson<\/a>                    <\/address>                    <time title=\"01 Oct 2021\">01 Oct 2021<\/time>                <\/div>            <\/div>        <\/footer>    <\/article>                \n<\/div>\n                        \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n        <\/div>\n    <\/div>\n\n        <div class=\"contentFeed contentFeed--inline contentFeed--regular-version\">\n                    <h3 class=\"contentFeed__title\">Buy now, pay later news and reviews<\/h3>\n                            \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600&amp;webp=1 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900&amp;webp=1 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920&amp;webp=1 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/02\/BNPL-content-feed-image.png.png?fit=1920 1920w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"hand holding phone\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/half-of-adults-in-the-uk-have-now-used-buy-now-pay-later\">Half of adults in the UK have now used buy now, pay later<\/a>\n            <\/p>\n        <\/header>\n        <p>Half of adults in the UK \u2013 around 26.4 million Brits \u2013 have now used buy now, pay later (BNPL), according to new research.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Sophie Barber\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/SophieBarberF1_Finder_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/sophiebarber\" rel=\"author\">Sophie Barber<\/a>\n                        <\/address>\n                        <time title=\"16 Feb 2024\">16 Feb 2024<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/09\/Monzo-content.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Monzo logo\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Credit Cards<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">What\u2019s Monzo Flex and should you get your hands on one?<\/a>\n            <\/p>\n        <\/header>\n        <p>Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>\n                        <\/address>\n                        <time title=\"10 Apr 2026\">10 Apr 2026<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/paypal-logo-450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-credit-review\">What is PayPal Credit?<\/a>\n            <\/p>\n        <\/header>\n        <p>Discover more about PayPal Credit to see if it could work for you.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Rachel Wait\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" rel=\"author\">Rachel Wait<\/a>\n                        <\/address>\n                        <time title=\"14 Dec 2023\">14 Dec 2023<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/pollenpay_logo_450.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/pollenpay-review\">PollenPay review 2026<\/a>\n            <\/p>\n        <\/header>\n        <p>New buy now, pay later challenger PollenPay goes head to head with big fishes like Klarna and Clearpay to offer customers interest-free instalment plans.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    <img decoding=\"async\" alt=\"Emily Herring\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\" class=\"luna-avatar luna-avatar--small luna-avatar--greyscale\" height=\"45\" width=\"45\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png?fit=135 135w\" sizes=\"(max-width: 135px) 100vw, 135px\" loading=\"lazy\">\n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/emilyherring\" rel=\"author\">Emily Herring<\/a>\n                        <\/address>\n                        <time title=\"24 Jan 2024\">24 Jan 2024<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n                    \n<article class=\"luna-card luna-card--inline@s luna-card--stacked-author\">\n        <figure class=\"luna-card__figure u-1\/3@s\">\n        <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">\n            <picture>\n                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>\n                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/klarna-vs-PayPal-450x250-1.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">\n            <\/picture>\n        <\/a>\n    <\/figure>\n\n        <div class=\"luna-card__block luna-card__block--with-author\">\n                            <div class=\"contentFeed__pills\">\n                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Buy now pay later<\/span>\n                            <\/div>\n        \n                <header>\n            <p class=\"luna-card__title\">\n                <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-vs-paypal\">Klarna vs PayPal: Compare popular buy now pay later platforms<\/a>\n            <\/p>\n        <\/header>\n        <p>Klarna and PayPal are two of the biggest names in the online payment industry. So which should you use for your next purchase? We compare the two.<\/p>\n\n                            <footer class=\"luna-card__footer--inline\">\n                <div class=\"luna-author\">\n                    \n                    <div class=\"luna-author__details\">\n                        <address>by\n                            <a href=\"https:\/\/www.finder.com\/uk\/author\/georgiarosejohnson\" rel=\"author\">Georgia-Rose Johnson<\/a>\n                        <\/address>\n                        <time title=\"01 Oct 2021\">01 Oct 2021<\/time>\n                    <\/div>\n                <\/div>\n            <\/footer>\n            <\/div>\n\n        <\/article>\n\n            <\/div>\n<\/div>\n \n\n\n<style>\n#newsletter-fltr-signup { display:none; position: fixed; bottom: 0; left: 0; width: 100%; z-index: 5; padding: 0.5em 0em 0em; box-sizing: border-box; }\n.newsletter-fltr-signupImage { width: 92px; min-width: 92px; position: absolute; bottom: -32px; right: 0; padding-right: 8px; }\n.newsletter-fltr-signupGrid { padding-bottom: 0 !important; }\n#newsletter-fltr-signup-close-btn:hover { cursor: pointer; }\n#newsletter-fltr-signup-close-btn { color: #232320; background: #C3F53C; border-radius: 4px 4px 0px 0px; height: 1.5em; width: 80px; margin: -2em 0em 0.5em auto; text-align: center; padding-top: 4px; box-sizing: border-box; }\n.newsletter-fltr-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.2px; }\n.newsletter-fltr-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 20px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; }\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-fltr-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 7.5em; }\n.newsletter-fltr-signupCard { height: 120px; }\n.newsletter-fltr-signupImage { bottom: 0; min-width: 100px; }\n}\n@media only screen and (max-width: 601px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 12em; }\n.newsletter-fltr-signupCard { height: 200px; }\n}\n@-webkit-keyframes fadein { 0% { opacity: 0; } 100% { opacity: 1; } }\n@keyframes fadein { 0% { opacity:0; } 100% { opacity:1; } }\n.fadeIn { opacity: 1; -moz-animation: fadein 0.5s linear; -webkit-animation: fadein 0.5s linear; animation: fadein 0.5s linear; }\n<\/style>\n\n\n\n<div id=\"newsletter-fltr-signup\" class=\"u-bg--lime-500\">\n<div class=\"f1-main-right-content transition-all f1-main-right-content--collapsed\">\n<div class=\"content\">\n\n<div id=\"newsletter-fltr-signup-close-btn\" class=\"text-x-small\">Hide <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\"><use xlink:href=\"#chevron-down\"><\/use><\/svg><\/div>\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom\" style=\"width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-fltr-signupImage\" width=\"92\" height=\"159\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=276 276w\" sizes=\"(max-width: 276px) 100vw, 276px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! 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We look at how to apply, key features and where you can shop.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/paypal-pay-in-3-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PayPal Pay in 3 review: What is it and how does it work?\" \/>\n<meta property=\"og:description\" content=\"PayPal\u2019s buy now, pay later service splits your shopping into three interest-free payments. 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