in3 – Shop Now, Pay Later in 3 Interest-Free Installments empowers users in the Netherlands with a flexible, transparent, and entirely interest-free way to manage purchases. Whether you’re planning a major buy or covering an urgent expense, in3 lets you split the payment into three simple parts—without paperwork, interest, or surprises. From electronics to home furniture and beyond, it ensures affordability while keeping you in control of your budget.
Pay in 3 Interest-Free Installments
- Flexible payments without financial penalties.
- Break down your purchase into three equal installments with no interest or hidden fees.
- Make the first payment at checkout, then pay the remaining two every 30 days.
- Manage large or time-sensitive purchases without disrupting your cash flow.
- Enjoy complete cost transparency—what you see is what you pay.
Real-Time Spending Limit
- Know your purchasing power instantly.
- The app displays your current spending limit based on your personal profile and usage.
- Plan purchases with confidence by knowing how much you can spend before checkout.
- The spending limit updates automatically based on repayment history and account status.
Payment Overview and Reminders
- Keep payments on track effortlessly.
- View an organized timeline of upcoming, due, and completed payments.
- Enable push notifications to receive payment reminders before each installment.
- Option to pay off early at any time through the app without penalties.
- Avoid missed payments through clear communication and simplified scheduling.
Marketplace Access and Purchase Guidance
- Shop smartly from approved sellers.
- Browse an integrated overview of retailers and products available through in3.
- Explore offers on electronics, appliances, furniture, and more directly in the app.
- Quickly identify stores and items that support in3's installment method.
- Be inspired by curated categories and trending deals tailored to your interests.
Fast and Simple Sign-Up
- Instant approval, ready to use.
- Create an account in just minutes—no extensive credit checks required.
- In-app onboarding ensures a smooth, beginner-friendly experience.
- Receive your spending limit immediately after sign-up to begin shopping right away.
Secure and Trusted Platform
- Shop with assurance and data security.
- All transactions are secured with high-grade encryption protocols.
- Recognized as the best-rated “Buy Now, Pay Later” method in the Netherlands.
- Backed by a growing network of trusted online and in-store retail partners.
- in3 only works with vetted merchants to maintain safe, reliable shopping experiences.
Frequently Asked Questions
Q: Is interest charged on any installment?
No, all three installments are completely interest-free.
Q: When do I make the first payment?
The first payment is made at the time of purchase.
Q: Can I pay off my plan early?
Yes, you can complete your remaining payments anytime without fees.
Q: How is my spending limit determined?
Your limit is based on your account usage and is shown in-app.
Q: Will I receive reminders for future payments?
Yes, push notifications and payment overviews help keep you informed.
Q: Where can I use in3?
You can shop with partnered retailers listed in the app’s store overview.
Q: Do I need a credit check to use in3?
No, registration and spending approval are handled quickly without traditional credit checks.
Version History
v4.1.103 —— 6 Aug 2025
In-store payments enabled—use your in3 virtual card at selected physical retailers.
Same flexible payment options as online, now available offline.
v4.1.51 —— 19 Feb 2025
New features:
Display of new spending limit after all installments are paid.
Remaining outstanding amount shown after each payment.
Confetti celebration when all installments are completed.
Security updates—enhanced protection for user data and transactions.
Bug fix—resolved issue with unreliable notification toggle on long-signed-in devices.
