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PayPal Pay in 3

Pay in 3 interest-free instalments on orders £30-£2000

What is PayPal Pay in 3?

PayPal 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 every month on the same date. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and possible impact to your credit score.

How does it work?

Just choose to pay with PayPal when you shop with us, log into your PayPal account and, if it is an eligible transaction, you’ll 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 in a few simple steps, get an instant decision and finish checking out.

Am I eligible?

If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone will be approved based on PayPal’s internal checks.

What purchase amounts qualify?

You can use PayPal Pay in 3 for eligible shopping cart amounts between £30.00 to £2,000.00.

When do I have to pay?

Your first payment will be charged at the time you make the purchase. After that, your 2nd and 3rd payments will be charged in the two subsequent months, on the same day of each month. For example, if you make a purchase on 5th May, your 2nd and 3rd payments will be due on 5th June and 5th July.

If a payment is due on a date which doesn’t exist in a month, such as the 31st February, then payment will be taken on the last day of that month.

PayPal will send you a reminder by email or SMS 10 days before your payment is due detailing the amount of your payment, the payment due date and the funding instrument the payment will be taken from. You can see your payment schedule or make unscheduled payments at any time by logging into your PayPal account.

How do I manage my account?

Just log into your PayPal account, go to PayPal Pay in 3, and click on the specific PayPal Pay in 3 plan you want to see.

Returns

Our normal fourth element returns policy applies, see here for details. Your refund will be processed after goods are received back to our warehouse.

Fourth Element acts as an introducer and not a lender of unregulated credit products provided by PayPal Holdings, Inc. Credit is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Please note Paypal Pay in 3 instalments is not regulated by the FCA. Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford your monthly repayments on time.

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