Use may affect your credit score or make credit less accessible or more expensive for you. Pay in 3 is a form of credit, may not be suitable for everyone. Pay in 3 eligibility is subject to status and approval. PayPal Pay in 3: PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Credit subject to status, UK residents only, Wiggle Ltd (In Administration) acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit: Terms and conditions apply. Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd.