paypal credit and paypal pay in 3 are trading names of paypal (europe) s.à r.l. et cie, s.c.a. 22-24 boulevard royal l-2449, luxembourg. paypal credit: terms and conditions apply. credit subject to status, uk residents only, buy it direct acts as a broker and offers finance from a restricted range of finance providers. paypal pay in 3: paypal pay in 3 is not regulated by the financial conduct authority. pay in 3 eligibility is subject to status and approval. uk residents only. pay in 3 is a form of credit, may not be suitable for everyone and use may affect your credit score. see product terms for more details.