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. You may find our Spend Smarter Guide helpful.
Frequently asked questions
All
in the
PayPal
app.
Easily and securely send, receive, and manage your payments—all in one place. Download the app on your phone or sign up for free online.
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Create your account
Start with your email and phone number. Then create a password. We’ll walk you through it.
Link your cards and bank account
Securely store all your preferred ways to pay—from debit and credit cards to your bank accounts.
Make sure you’ve got the app
Pay, send, and get paid fast. Pay now or pay later—all from one account.1
Send and receive money securely
Join the millions who trust PayPal to send to friends across the globe.1
Send money to friends & family abroad in over 110 countries - or get more delivery options with Xoom. Fees and restrictions apply.2
Shop, donate, transfer to your bank, and more.
Check out with more choices
Load your PayPal app with your cards and banks, and skip entering your info every time you pay.
Need some extra time? Choose Pay in 3.3
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How PayPal works
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