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PayPal Pay in 3 is not available for certain merchants and goods. We may also decide not to offer PayPal Pay in 3 as an option based on our internal checks.
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 will get a decision instantly, but not everyone will be approved based on our internal checks.
I also noticed mines was no longer available and I used PayPal a lot over many years always paying on time finished off all my payment plans now can't get it on anything very strange would have been good to use over Christmas 😞