PayPal - 0% Finance - FAQ's

Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due on the same date over the following two months.

Pay in 3 will appear as a payment method for eligible online basket values between £20 and £3,000 when you checkout with PayPal.

Upon applying, you’ll receive a quick decision, although not every application may be approved.

Make the first payment at the time of purchase then make two more monthly payments on the same date each month.

Pay in 3 will appear as a payment method for eligible online basket values between £20 and £3,000 when you checkout with PayPal.

Choose PayPal at checkout, then select Pay in 3.

Purchase amount £20.00-£3,000.00.

With Pay in 3, there's no interest, no late fees or setup fees.

First payment is made at the point of eligible purchase with the next two payments made automatically on the same date over two months.

Every Pay in 3 purchase will appear in your PayPal activity with the full purchase amount under Charlies.

You will also see your initial payment taken on the day of the purchase which will equal one-third of your total purchase amount.

Two additional monthly installment payments will be taken automatically, and each will show as a separate transaction in your PayPal activity

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. There are no fees or charges for repaying your Pay in 3 plan early.

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 choose to repay the Full Balance, the Next Payment Due, or another amount.. If you make an extra payment, PayPal will apply it as follows: If you pay the next full instalment in your plan, PayPal won’t debit your Repayment Method on the date of your next instalment. If you pay an amount less than your next instalment amount, this will reduce the amount of your next instalment. PayPal will still debit your Repayment Method on the next scheduled date in your plan. If you pay an amount which is more than your next instalment, PayPal won’t debit your Repayment Method on the date of your next instalment and will apply any leftover amount to reduce the instalment after that.

Accepted repayment methods for Pay in 3 loans are Debit card or Bank account linked to your PayPal account.

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

Applying for Pay in 3 will not impact your credit score. A “soft” credit check may be needed, but it will not affect your credit score.

Applying for Pay in 3 will not impact your credit score. A “soft” credit check may be needed, but it will not affect your credit score.