PayPal has the Pay in 3 option for short-term plans of up to six weeks but for long-term financing, you can opt for the credit line.
There are a few buy now pay later providers with much coverage as PayPal, thanks to its proprietary payment service also allowing instalment purchases at several retailers.
With different plans and interest-free offerings, you can spread the cost of your orders for months with flexible monthly payments.
PayPal
Max. Amount
Varies
Credit Check
Varies
Type
BNPL/Credit
Tip: Pay in 3 is for orders between £30 to £2,000 up to a maximum of six weeks instalment while the PayPal Credit allows up to four months for purchases starting from £99. Both are interest-free but the credit option will charge interest on unpaid balances with a representative APR of 23.9%.
It is one of the easiest to use for buy now pay later purchases as it rides mostly on your existing information with only a few steps required for first-time financing.
There are two options with PayPal Pay in 3 widely available at many merchants supporting it at checkout.
With Pay in 3, you can enjoy bi-weekly payments on cart values starting from £30 which cannot exceed £2,000 for up to six weeks.
It is interest-free and does not use a hard inquiry to determine eligibility hence, it will not impact your credit score.
The alternative is PayPal Credit which can be used to make payments for orders that cost more than £2,000 but must be up to a minimum of £99.
Unlike Pay in 3, the credit line option involves a hard inquiry and will have a temporary impact on your credit score if you apply.
The reason you may want to choose PayPal Credit is if the order requires a higher amount than the Pay in 3 offer and also for a longer-term plan.
When your cart value is within £2,000 and can be repaid within six weeks, Pay in 3 should be the option since you will avoid the hard inquiry with PayPal Credit.
They are both interest-free but if you do not pay the required amount before your due date when you have an active PayPal Credit purchase, an APR of 23.9% will apply.
Even though they are PayPal buy now pay later options, both are treated as separate features hence, you can use them side by side for payment plans.
Popular Retailers that Accept PayPal for Pay Later
Below is a list of popular stores where you can pay later with PayPal Credit and Pay in 3:
Generic Merchandisers that Accept PayPal Pay in 3 and Credit
eBay
eBay is one of the best destinations to enjoy spread payments using your PayPal account. You may only be provided the Pay in 3 option on new products but PayPal Credit is available for all orders with the required minimum value.
Take note of autopay if enabled on your eBay account. You may want to disable it from your PayPal setting before using either the Pay in 3 or credit option to avoid paying the full cost.
Argos
A popular varied-product retailer with items ranging from electronics, appliances, furniture, jewellery, and clothing, to many others.
House Of Fraser
It offers products in different categories including fashion, beauty, homeware, and accessories. In addition to being one of the shops that accept Frasers Plus, you can spread payments using your PayPal account.
Marks and Spencer
While M&S is known for its good clothing inventory, you can get food items, furniture, and beauty products when shopping on the platform.
Next
It deals majorly in fashion and home care products with items ranging from clothing, furniture, lighting, beauty, and appliances among others.
The Hut
A popular shopping destination known for its multiple financing options, including being one of the online stores that accept Newpay, PayPal, Laybuy, and others for payment plans on clothing, footwear, and homeware products.
Wowcher
It is a deals website offering discounts in several categories including restaurants, travel, electronics, and others.
The Range
It offers products across multiple categories, including clothing, homewares, furniture, garden supplies, DIY, arts and crafts, and leisure goods.
Furniture and Sofa Stores that Accept PayPal Pay in 3 and Credit
DFS
It specialises in sofas, living room furniture, and home accessories.
DFS is also one of the top retailers that accept V12 Finance and a better PayPal Credit alternative for high-ticket purchases on the platform as it allows for up to 12 months with no interest.
IKEA
One of the top furniture and home goods retailers with inventory having items for indoor and outdoor living spaces.
Wayfair
An online shopping portal dedicated to furniture, home improvement, and decor products.
Sofa.com
It is known for its handmade furniture, available online and in physical retail stores across various cities, and at numerous House of Fraser locations.
Online Carpets
The platform offers various carpets, such as plush, Berber, and Saxony, alongside laminate, vinyl, and hardwood flooring options. You can also purchase artificial grass on the website.
Dreams
A good destination to purchase mattresses, sofa beds, headboards, and other furniture offerings. You can use the Sleepmatch feature to determine the best for your needs.
Just Fabrics
Its inventory includes materials such as cotton, linen, velvet, wool, and outdoor fabrics, available in various patterns, colours, and textures for home decor and upholstery.
Homebase
Its product lineup includes everything from DIY tools and building materials to home decor, furniture, and gardening supplies.
Bensons for Beds
The portal has a good selection of beds, frames, mattresses, headboards, and bedroom furniture in various styles and sizes.
Electronic Stores that Accept PayPal Pay in 3 and Credit
Currys
A leading retailer specializing in a wide range of consumer electronics, appliances, and tech products
While it is one of the options available to enjoy buy now pay later on Currys, you can opt for alternatives when shopping for electronics on the portal.
One of the direct-to-use instalment options other than PayPal is Your Plan, a credit line that allows up to 12 months with no interest on purchases of £99 or more.
AO
Its collection includes a variety of appliances for the kitchen, laundry room, and home, such as washing machines, dishwashers, refrigerators, ovens, vacuum cleaners, and small kitchen appliances.
Samsung
The option is available for its range of electronics, including the Galaxy series of smartphones, TVs, home appliances, and smart home devices.
Xiaomi
A brand known for its smartphones including the Redmi and Xiaomi series. You can also spread payments for Poco phones, and other devices on the portal.
Asda Mobile
The PayPal Pay Later options are available to utilise for instalments when purchasing mobile phones on the Asda Mobile website.
EE Store
The online retailing portal allows shopping for different items including gaming consoles, smartphones, printers, and other electronic-related items.
Euronics
It deals majorly in home entertainment systems and appliances with collections including TVs, washing machines, refrigerators, dishwashers, and other products.
HP
The company’s product lineup includes laptops, desktops, workstations, printers, scanners, monitors, and accessories, catering to consumers and businesses.
Scan Computers
Another good destination for purchasing computers and accessories. It also houses different types of guitars, cameras, and other electronics.
ShopTo
An online retailer specializing in video games, consoles, accessories, and related electronics from brands like PlayStation, Microsoft, and Nintendo.
Clothing & Footwear Stores that Accept PayPal Pay in 3 and Credit
Sports Direct
One of the largest sports-goods retailers known for offering a range of equipment, apparel, footwear, and accessories
You can also enjoy instalment purchases through Studio Pay and Frasers Plus which have interest-free offers like PayPal financing options.
ASOS
A global online fashion and beauty retailer offering different products, including men’s and women’s clothing, shoes, accessories, and activewear.
MandM
Another popular platform with a vast inventory of branded collections. It has items from casual and sportswear to outdoor gear and formal attire.
H&M
A top portal for shopping ranges of items including clothing, accessories, and home goods.
Boohoo
This retailer deals in trendy clothing, accessories, and shoes. Its collection includes casual and party outfits, formal and activewear.
Beauty Shops that Accept PayPal Pay in 3 and Credit
Boots
Its items include over-the-counter medicines, prescription services, vitamins, skincare, cosmetics, toiletries, and fragrances.
Zara
While it is known for its clothing and footwear collections, it has beauty products, including makeup, fragrances, and hair care essentials.
Dyson
Its product range includes vacuum cleaners, air purifiers, fans, heaters, hair care devices, headphones, hand dryers, and lighting
Cult Beauty
Part of THG plc offering a selection of skincare, makeup, haircare, and wellness products.
Sephora
Another popular destination with a good collection of skincare products, also for hair, makeup, and fragrances.
Jewellers that Accept PayPal Pay in 3 and Credit
Ernest Jones
A leading jewellery retailer with pieces from renowned brands such as Boss, Tissot, and Gucci, alongside its exclusive collections.
T.H.Baker
Another well-known jeweller with outlets spread across cities. You can get engagement rings, wedding bands, and luxury watches on its portal.
Tiffany
Despite its vast jewellery collection, this brand has grown into other products including home and accessories, fragrances, and gift items.
Goldsmiths
One of the oldest brands in the UK jewellery market with showrooms in several locations. It is an official retailer for Rolex with more products from other top brands.
H. Samuel
It is another good destination to purchase quality jewellery from well-known brands including Citizen, Garmin, and Sekonda.
Football Apparel Stores that Accept PayPal Pay in 3 and Credit
LFC Store
An official store of Liverpool Football Club.
United Direct
The official apparel retail platform for Manchester United.
Arsenal Direct
Retails everything relating to the Gunners, including clothing and souvenirs for the Arsenal Football Club.
Chelsea FC Store
You can get everything about Chelsea Football Club, including clothing, gift items, and other products.
Man City Shop
Manchester City Football Club manages it and maintains an inventory of products that the fans can purchase.
Tools Shops that Accept PayPal Pay in 3 and Credit
Axminster Tool
The company deals in woodworking tools and machinery. Its products include power and hand tools, wood joining equipment, and others.
It is one of the online shops that accept Novuna Finance hence, you have an alternative to PayPal when shopping on the platform.
LEGO
It offers a range of products, including the latest LEGO sets, exclusive items, mini-figures, and themed collections from popular franchises such as Star Wars, Harry Potter, and Marvel.
B&Q
The platform is into DIY and home improvement items, including building materials, plumbing supplies, and electrical equipment to garden furniture, tools, and home decor items.
Plumbworld
Its inventory includes bathroom suites, showers, toilets, basins, kitchen sinks, taps, heating solutions, and various plumbing tools and accessories.
Screwfix
This retailer specialises in hardware and construction supplies, including power tools, plumbing and electrical equipment, building materials, and home improvement items.
Sports & Fitness Shops that Accept PayPal Pay in 3 and Credit
Evans Cycles
It is one of the popular destinations for the purchase of bicycles, cycling accessories, and apparel.
In addition to its acceptance of PayPal, Studio Pay, and Frasers Plus for order financing, you can also utilise the Cycle To Work Scheme to spread the costs of your purchases on the website and when you visit its physical stores.
Home Gym Supply
This retailer focuses on fitness equipment for home use. Its products include treadmills, exercise bikes, rowing machines, weight benches, and strength training equipment.
Bass Pro Shop
It deals in outdoor recreation gear and apparel, offering products for hunting, fishing, camping, boating, and other activities.
Tredz
Another good platform to purchase bicycles, apparel, and related accessories. It also retails home training equipment.
Mirafit
It also offers a range of products, including weight benches, power racks, dumbbells, kettlebells, resistance bands, and various strength training accessories.
Flights & Accommodation Portals that Accept PayPal Pay in 3 and Credit
Jet2
It offers low-cost flights and holiday packages to numerous destinations across Europe and beyond.
TUI
Another travel package booking portal with services in flights, hotels, tours, cruises, and custom experiences.
Airbnb
The platform allows you to discover and book accommodations from single rooms and apartments to entire homes and unique stays like castles and treehouses.
British Airways
It is the flag carrier airline of the United Kingdom with an extensive international route network, serving destinations across Europe, North America, Asia, Africa, and beyond.
Trip.com
It offers several travel services, including flight bookings, hotel reservations, car rentals, and vacation packages.
Expedia
You can also enjoy travel bookings on the portal including flights, stays, and other holiday packages.
Complete List of Stores that Accept PayPal Pay Later Options
You can check the table below for your favourite stores where you can enjoy instalments with PayPal:
STORE | CATEGORY |
|---|---|
B&Q | Tools & DIY |
BedGuru | Furniture |
99Bikes | Sports & Fitness |
Adidas | Clothing & Footware |
Airbnb | Flights & Accommodation |
AO | Electronics |
Argos | Generic |
Arsenal Direct | Sports Apparel |
Asda Mobile | Electronics |
ASOS | Clothing & Footware |
Astley Clarke | Jewellery |
Axminster | Tools & DIY |
Bass Pro Shop | Sports & Fitness |
Bensons for Beds | Furniture |
Big Furniture Warehouse | Furniture |
Boden | Clothing & Footware |
Boohoo | Clothing & Footware |
Boots | Beauty |
Burrells | Jewellery |
Cash Converters | Electronics |
Chelsea FC Store | Sports Apparel |
Comet | Electronics |
Crew Clothing Company | Clothing & Footware |
Cult Beauty | Beauty |
Currys | Electronics |
DFS | Furniture |
Dormeo | Furniture |
Dreams | Furniture |
Dunelm | Furniture |
Dyson | Beauty |
eBay | Generic |
Ebuyer | Electronics |
EEStore | Electronics |
Electrical Discount UK | Electronics |
Emma Sleep | Furniture |
Ernest Jones | Jewellery |
Euronics | Electronics |
Evans Cycles | Sports & Fitness |
Expedia | Flights & Accommodation |
F. Hinds | Jewellery |
Farnell | Tools & DIY |
FatFace | Clothing & Footware |
Fishpools | Furniture |
Fitshop | Sports & Fitness |
Fraser Hart | Jewellery |
George at Asda | Clothing & Footware |
Goldsmiths | Jewellery |
Grass Warehouse | Artificial Grass |
Grass247 | Artificial Grass |
H. Samuel | Jewellery |
H&M | Clothing & Footware |
Happy Beds | Furniture |
Hillier Jewellers | Jewellery |
Home Gym Supply | Sports & Fitness |
Homebase | Furniture |
House of Frasers | Generic |
HP | Electronics |
Iceland | Grocery |
IKEA | Furniture |
Jet2 | Flights & Accommodation |
Just Fabrics | Furniture |
Lace & Favour | Clothing & Footware |
LEGO | Tools & DIY |
LFC Store | Sports Apparel |
Lufthansa | Flights & Accommodation |
Man City Shop | Sports Apparel |
MandM | Clothing & Footware |
ManoMano | Tools & DIY |
Maplin | Electronics |
Marks and Spencer | Generic |
Merlin Cycles | Sports & Fitness |
Mirafit | Sports & Fitness |
Nasty Gal | Clothing & Footware |
National Tool Hire | Tools & DIY |
New Look | Clothing & Footware |
Next | Generic |
Nomow | Artificial Grass |
Office | Clothing & Footware |
Online Carpets | Furniture |
Outdoor and Country | Clothing & Footware |
Phones Direct | Electronics |
Plumbworld | Tools & DIY |
Safety Boots UK | Clothing & Footware |
Samsung | Electronics |
Scan Computers | Electronics |
School Uniform Shop | Clothing & Footware |
Screwfix | Tools & DIY |
Sephora | Beauty |
ShopTo | Electronics |
Silentnight | Furniture |
Simply Beds | Furniture |
Sofa.com | Furniture |
SportsDirect | Clothing & Footware |
Sweet Squared | Beauty |
T.H. Baker | Jewellery |
The Bike Factory | Sports & Fitness |
The Fragrance Shop | Beauty |
The Range | Generic |
The Hut | Generic |
Tiffany | Jewellery |
Toolden | Tools & DIY |
Toolstop | Tools & DIY |
Tredz | Sports & Fitness |
Trip.com | Flights & Accommodation |
TUI | Flights & Accommodation |
United Direct | Sports Apparel |
Vape Green | Grocery |
Vape Club | Grocery |
Warren James | Jewellery |
Wayfair | Furniture |
Wheelbase | Sports & Fitness |
Wowcher | Generic |
Xiaomi | Electronics |
Zara | Beauty |
With several online shops accepting PayPal Pay in 3 and credit, it is one of the top buy now pay later options for spread payments. However, avoid defaulting as this can impact your credit score since activities may be reported to the major bureaus.
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