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Pay in 3 instalments at no extra cost.

We partner with a payment service provider PayPal to help you get the items you want without having to pay up front. If you vote to Pay in 3, we assign our claim for payment due on your purchase to PayPal Payment Service Provider. PayPal will send you a payment instruction to pay directly to PayPal.
Make your purchase today and pay later. No interest. No fees. No impact to your credit score.
Available for purchases of £30 to £2,000
Selectpaypal at checkout and you'll be presented with “Pay in 3” payment plan.
Fill in a few personal details and get an instant answer frompaypal. If successful, your order is placed, and your first payment will be collected.
Your second payment will be collected 30 days after checking out and your third and final payment will be collected after 60 days.
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. It’s a great way to spread the cost of larger items or to cover emergencies and is a helpful tool to manage your budget more effectively.
Will I be able to use PayPal Pay in 3?
You must be 18 or older and a permanent UK resident. PayPal may run a limited credit search on you at an external credit reference agency. This search will only be visible to you and will not affect your credit score.
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 is approved based on the checks PayPal carry out.
How do I apply?
To apply for PayPal Pay in 3, you’ll need to provide your your mobile number, email address, current billing address and a current credit or debit card and get an instant answer from PayPal. This information will be kept secure by PayPal. Your payment agreement is between you and PayPal; PEPPER SQ does not retain financial details of your transaction.
Risk warning
Please borrow responsibility. Borrowing more than you can afford could negatively affect your financial status. Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive.
Pepper Sq. is not a lender, the credit product is provided by PayPal (Europe) S.à r.l. PayPal Pay in 3 is only available to permanent UK residents aged 18 and over, and is subject to their status and approval. Terms and conditions apply. Please note that PayPal Pay in 3 instalments are not regulated by the FCA. You are responsible for making the agreed repayments on time and in full.
Find more information about PayPal Pay in 3.
These Pay Later terms apply between you (who are at least 18 years old) and PEPPER SQ where you purchase your goods or services when you choose Pay in 3 as your payment method.
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