Pay in 3 option missing

[StuL62]

Pay in 3 option not showing.used it for 2 or so years or more,never missed payment and always paid off every transaction early,EVERY TIME.PAYPAL has never had to take a payment date collection on any transactions EVER.why has it gone missing from my account despite the above???

[Gazcally]

The exact same thing is happening to me! Used this option for years paid back every time on time. PayPal is moving from PayPal Europe to PayPal UK maybe this has something to do with it, otherwise I'm lost and very frustrated

[PayPal_Ayesha]

Hello @StuL62 and @Gazcally,

Welcome to PayPal Community Forum and thank you for posting!

I am sorry to know that you're not getting PayPal Pay in 3 option and I understand this can be frustrating sometimes. Please be informed that Pay in 3 may not be available for certain merchants. Our system may also decide not to offer PayPal Pay in 3 as an option based on our internal checks. Pay in 3 is decided based on a variety of factors. Our decision process is automated. Some details our system reviews include your financial position, the information you provided within your application, and information about your usage and history with your PayPal account.

Regards,
Ayesha

[Sandles84]

Hi can anyone help me I have always used pay 3 with PayPal for a very long time spent so much using it and never had a problem or been been declined until the 1st of Aug I then realised I had missed a PayPal credit payment,so assumed this was why? as soon as I realised I paid it straight away,my paypal credit has not been affected but pay 3 has gone from my acc everywhere I read says you can apply again after 35 days but still not an option? Is it gone for good 😭

[1929Donna]

So PayPal Europe has now had to become PayPal U.K. as the British government are trying to control all financial institutions that offer services in the U.K. . This is a concerted effort to deny British customers the ability to pay in 3 . Even if you have never missed a payment PayPal will remove the option for you based on your credit score . As part of the new regulations PayPal will credit check you . The U.K. government are saying pay in 3 unregulated credit is triggering debt in people who cannot afford to pay . Hello why do you think people choose pay in 3 ? Pay in 3 options led to a massive drop in credit card use as why pay 29% interest on a credit card when Pay in 3 is an option . Klarna did this last year & now PayPal . Hundreds of thousands of people lost the ability to pay in 3 overnight . So I have Zilch & Clearpay whom might I add are working out just fine for now . PayPal just made a huge mistake probably lost half their customers in one fell swoop . So the poor get poorer & the Rich get richer . Same old story of take away the ways to pay no one can afford to play !

[kernowlass]

@1929Donna 

Why not just save x3 instalments of funds and then buy the item outright?