PayPal Pay in 3 – Spread the Cost with PayPal

At Evoke Home, we offer PayPal’s Pay in 3 as a flexible way to spread the cost of your purchase into three equal payments. This interest-free instalment option allows you to enjoy your new furniture now while paying over time – with no added interest or fees for on-time payments. It’s a safe and convenient plan backed by PayPal’s trusted platform (over 26 million UK consumers use PayPal for their online payments, giving you peace of mind as you furnish your home.

Buy Now Pay Later PayPal Solutions | Microsoft Store

How PayPal Pay in 3 Works

  1. Checkout with PayPal: Shop as usual and add your items to the cart. At checkout, select PayPal Pay in 3 (you may see it as a “Pay Later” option in PayPal) as your payment method. You’ll be redirected to PayPal to apply for Pay in 3.

  2. Quick Application: Log in to your PayPal account (or create one for free) and provide a few details. PayPal may perform a soft credit check to assess eligibility – this won’t affect your credit score. You’ll get an instant decision in most cases.

  3. First Payment & Order Confirmation: If approved, your first instalment is collected when your order is confirmed or dispatched. Your purchase is then on its way!

  4. Automatic Monthly Payments: The remaining two instalments will be taken 30 days and 60 days after your first payment, automatically from the debit card or bank account you provided. PayPal will send you a reminder 3 days before each due date, so you know when to expect the charge. There’s no interest and no late fees – you simply pay the original purchase price split into three parts.

Benefits of Choosing PayPal Pay in 3

  • Interest-Free Flexibility: Split your purchase into three equal payments with 0% interest – making it easier to budget for the items you love. There are no hidden charges or sign-up fees to use Pay in 3.

  • Easy and Convenient: Automatic payments are taken monthly, so you don’t need to remember to manually pay each time. Checkout is straightforward and takes just a few clicks.

  • Safe & Secure: PayPal is a globally trusted payment provider. Your transactions and personal details are secure, and PayPal Buyer Protection covers eligible purchases. In fact, over 26 million people in the UK trust PayPal for online shopping– so you can feel confident using Pay in 3 at Evoke Home.

  • Quick Decision: There’s no lengthy paperwork. The approval for Pay in 3 is fast – usually instant online – allowing you to complete your order without delay.

  • No Impact on Credit Score to Apply: PayPal’s eligibility check is a soft search, meaning it won’t negatively impact your credit rating. (Missing payments, however, could affect your credit – see Important Information below.)

Important Information & FAQs

What purchases are eligible?

PayPal Pay in 3 is available on orders from £30 up to £2,000 in value. Simply choose PayPal Pay in 3 at checkout for qualifying basket amounts. (Standard PayPal is also available for any purchase if you prefer to pay in full.)

Who can use Pay in 3?

UK customers 18 years or older are eligible to apply, subject to status and approval. You’ll need a UK billing address and a debit or credit card to set up the plan. (Channel Islands and Isle of Man are excluded.

Will I be credit checked? PayPal may perform a soft credit check when you apply, to help determine your eligibility. This soft search does not affect your credit score and is only visible to you, not to other lenders. PayPal’s assessment ensures you can manage the payments. Pay in 3 is an unregulated credit agreement, so it’s not reported as traditional borrowing on your credit file.

Do I pay any interest or fees? No – Pay in 3 is interest-free. There are no fees to use the service, and PayPal doesn’t charge late fees for missed instalments. However, it’s important to have funds available for each payment to avoid going into overdraft or other bank fees. Borrowing responsibly is key; while PayPal won’t charge a fee, missing a payment could still affect your standing with PayPal and your ability to use Pay in 3 in the future.

Can I repay early? Yes, you have the option to pay off your balance early at any time. Simply log in to your PayPal account to make an early payment or pay off the remaining instalments. There’s no penalty for early repayment – in fact, it can be a good way to manage your credit responsibly.

What if I need to return my item? No problem. If you decide to cancel or return your order (per our Returns Policy), any remaining Pay in 3 payments will be cancelled. PayPal will refund any instalments you’ve already paid back to your original payment method once the return is processed. This way, you only pay for what you keep.

Using PayPal Credit: If you prefer a longer-term finance option, PayPal also offers PayPal Credit (separate from Pay in 3). PayPal Credit is like a digital credit card with 0% interest for 4 months on purchases over £99. This is another option available at checkout if you need more time to pay. (Credit subject to status, 19.9% APR variable after 4 months.

Need more help? If you have questions about your Pay in 3 plan, you can visit the [PayPal Pay in 3 FAQ page】for detailed information. You can also reach out to our customer service or PayPal’s customer support for assistance. We’re here to help make your financing experience smooth and worry-free.

Enjoy the freedom to style your home now and pay over time with PayPal Pay in 3. It’s just one more way Evoke Home is making beautiful furniture more accessible and budget-friendly for you.