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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.