Pay in 3
Split it into three
PayPal Pay in 3 lets you spread the cost of your order across three payments — one at checkout, then two more over the following two months — with no interest. You manage everything inside your PayPal account, with no separate app to download.
- Three interest-free payments over three months
- Typically available for eligible baskets from £20 up to £3,000
- A soft eligibility check that won't affect your credit score
- Managed in your PayPal wallet
Pay in 3 is a form of credit provided by PayPal. Terms, eligibility and its regulatory status are set out in PayPal's own agreement — please read it before you use it. Missing payments could make future borrowing harder.
Pay Later
Buy now, pay in 30 days
PayPal's Pay in 30 Days lets eligible customers complete a purchase now and pay the full amount up to 30 days later — with no interest and no fees when you pay on time. It's handy for lining a payment up with payday, or trying something before you commit.
- Pay the full amount up to 30 days after your purchase
- No interest, no sign-up fee and no charges when paid on time
- Typically available for eligible purchases from £1 up to £900
- Managed within PayPal — no separate account needed
Pay in 30 Days is a form of credit provided by PayPal, subject to status and eligibility. Its terms and regulatory status are set out in PayPal's own agreement, which you should read before using it.
PayPal Credit
A revolving credit line
PayPal Credit is a revolving credit account — a bit like a credit card built into PayPal — that you can use across many retailers, not just here. Once approved, you have a credit limit you can spend up to and repay over time.
- A reusable credit line, subject to approval and your limit
- Interest applies to balances (see representative example below)
- Applying involves a credit check
- Managed in your PayPal account
Representative example
Representative 23.9% APR (variable). Purchase interest rate 23.9% p.a. (variable). Assumed credit limit £1,200. Please check PayPal's current terms, as rates and offers can change.
PayPal Credit is a regulated credit product provided by PayPal, subject to status. Terms and conditions apply. Please borrow responsibly and only what you can comfortably repay.
PayPal Pay in 3, Pay in 30 Days and PayPal Credit are provided by PayPal, not by Indoor Living Ltd. Indoor Living Ltd is a credit introducer, not a lender. Credit is subject to status and affordability checks and is available to UK residents aged 18 and over. The full terms of each option, including the definitive statement of its regulatory status, are provided by PayPal at the point of application — please read them before you commit. Figures shown here are for general guidance and may change; PayPal's current terms take precedence.