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Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. 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. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. Available for purchases of £20 to £3,000. Terms and conditions apply. PayPal Pay in 3 is a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD.