Fly now, pay later is a great option to travel without having to worry about paying upfront. Fortunately, you can do this through many providers.
Travel now and pay later is a payment option that allows you to book your travel arrangements without paying the full amount upfront. Instead, you can pay for your trip in instalments over a period of time.
With the possibility to split your travel expenses for repayment in split, you can conveniently fly now and pay later with much comfort compared to when you pay the price in full at a go which might destroy some other plans.
There are many vacations with payment plan providers, getting one should not be a difficult thing as you can hop for your flight in minutes after credit approval.
Best Fly Now Pay Later Providers for your trips
Here below are the platforms that will allow you to take flights now and pay back later:
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Uplift
Limit
Varies
Interest
0%
Credit Check
Soft
Uplift is a travel-focused buy now pay later platform that allows customers to finance their travel purchases over time. Here are some additional uplifting points about the platform:
Wide Range of Travel Products: Uplift partners with a variety of travel companies, including airlines, hotels, rental car agencies, and vacation package providers. This means that customers can use Uplift to finance a wide range of travel purchases, making it a versatile option for those planning a trip.
Fast and Easy Application Process: Uplift’s application process is quick and easy. Customers can apply for financing online and receive a decision in a matter of minutes. This makes it a convenient option for those who need to finance their travel purchases on short notice.
Flexible Payment Plans: Uplift offers a range of payment plans to fit different budgets and needs. Customers can choose from plans with fixed monthly payments or plans with flexible payments that adjust based on their spending. This makes it easier for customers to manage their finances and stay on top of their payments.
With a primary focus on travel and hundreds of direct integration to hospitality platforms, you will be able to fly now and pay later on its partnering merchants’ websites.
Klarna
Limit
Varies
Interest
0%
Credit Check
Soft
When it comes to merchants that will allow you to fly now and pay later, you will see a lot of them that allow checking out through Klarna.
The company’s goal is to make online shopping easier and more convenient for consumers while also helping merchants increase sales and conversions.
Klarna offers a variety of payment options, including “Pay Later” and “Slice It.” Pay Later allows customers to defer payment for their purchases, either by paying the full amount within 30 days or by splitting the cost into four equal payments. Slice It, on the other hand, allows customers to spread the cost of their purchase over several months.
With the different payment options, you can decide to pay for your vacation within a few weeks or fly now and spread the payments over months.
One of the key advantages of using Klarna is that it simplifies the checkout process for customers. Rather than having to enter their payment details every time they make a purchase, customers can simply log in to their Klarna account and complete the transaction with a few clicks.
Klarna offers a virtual card feature which will also allow you to pay for your flights in instalments on platforms that are not directly integrated.
Travelup
Limit
$1,500
Interest
0%
Credit Check
Soft
Travelup offers a range of travel-related services, including flights, hotels, car hire, and travel insurance.
It was founded in 2004 and has grown to become one of the leading online travel agencies. With its fly now, pay later product, you can book hundreds of airlines with payment plans.
Travelup allows customers to book flights with over 400 airlines, including popular carriers such as British Airways, Emirates, and Virgin Atlantic. The agency also offers competitive rates on hotel bookings worldwide and has a wide range of accommodation options to suit all budgets and preferences.
In addition to flights and hotels, Travelup provides car hire services in over 30,000 locations worldwide, allowing customers to book a car for their entire trip or just for the duration of their stay. The agency also offers travel insurance to protect customers against unexpected events such as trip cancellations, medical emergencies, and lost or stolen luggage.
Travelup prides itself on providing excellent customer service and has a team of experienced travel advisors who are available to assist customers with their travel plans. The agency’s website is user-friendly, and customers can easily search for and book their preferred travel services online.
With the range of services possible using Travelup, you can have a full vacation and pay back in instalments.
Zilch
Limit
$1,500
Interest
0%
Credit Check
Soft
Zilch is another fly now, pay later platform that has a unique payment model through its virtual card.
Unlike the other vacation now-to-pay-later providers on this list, its operations are offered through its virtual MasterCard that you can access when you log into your Zilch account.
If you have a list of travel agency websites you want to use to book your flights, pay for hotels and other things, you can checkout with the Zilch virtual card.
This Zilch card is valid anywhere MasterCard is accepted and for safety, you will need to unlock the card by logging in to your Zilch account before you will be able to use it to settle a fly now, pay later order.
When it comes to its payment plans, this typically spans from 6 to 12 weeks, with equal weekly or bi-weekly instalments. You can make additional payments or pay off your balance early without any penalties and you will even earn cash back when you pay in full.
To enable you to manage your experience, it also offers a mobile app that allows you to keep track of your payments, view your balance and payment history, and get real-time notifications about your account.
Fly Now Pay Later
Limit
$1,500
Interest
0%
Credit Check
Soft
Fly Now Pay Later is another company that provides a travel booking service that allows you to book flights and pay for them later in instalments.
This provider partners with various airlines and travel providers to offer you a range of travel options.
To use Fly Now Pay Later, you first need to create an account on the company’s website and then search for flights or other travel options.
Once you find a flight you want to book, you can select the Fly Now Pay Later option at checkout and choose the instalment plan that works best for you.
You can choose to pay for your flight over 3, 6, 9, or 12 months, and there is no interest charged on the payments.
However, there is a one-time booking fee that varies depending on the total cost of the flight and the length of the payment plan you selected.
Afterpay
Limit
$600
Interest
0%
Credit Check
Soft
When it comes to popularity, this is a brand well-known in the payment plan industry with a presence on hundreds of travel agencies that can allow you to fly now, and pay later.
Afterpay has many features that make it an appealing platform when it comes to splitting purchase payments for instalment repayment.
When you want to fly now and pay later through Afterpay, you can choose to pay in 6 weeks or spread the payments over 6 months or repay in 12 months.
With flight booking companies supporting it directly at checkout, you will be able to split your vacation flights on brands like Alternative Airlines, Jetstar, and Webjet amongst others.
While your favourite airlines might not have it on their portals, you might still be able to use your Afterpay purchasing power to fly now and pay later on the platforms through its virtual card which can be generated to help you complete your booking to be repaid later.
When you schedule your flight and checkout using Afterpay, the first payment is made at the time of checkout, and the remaining three payments are automatically deducted from your account on the following scheduled dates.
Affirm
Limit
$17,500
Interest
0%
Credit Check
Soft
Affirm is another BNPL provider that has a good presence on travel platforms that will allow you to access fly now, pay later options.
Interestingly, it has players that include American Airlines, CheapOair, and JustFly amongst its flight partners and with the likes of Expedia, Vrbo, Priceline and others forming a good vacation family that supports split payment with Affirm, you can have a full sojourn experience and pay later using your purchasing power.
Akin to some of the other big players that have support for merchants in the travel industry, it also provides a virtual card through which you can handle your booking in case the portal you want to use does not have it on the page where you will checkout.
With up to $17,500 ups for use, there is no doubt you could be able to handle all your travel expenses through this portal if your credit standing allows up to that.
While it provides a mobile app and a web portal where you can manage your account, you do not necessarily need to have access to them when you want to book now to pay later as through its Chrome extension, you will still be able to handle your split payment schedule when you are visiting any travel-related merchant’s portal.
Zip
Limit
$1, 000
Interest
0%
Credit Check
Soft
This is another split payment provider you can use to fly now and pay later at many travel agencies’ portals.
Alternative Airlines also supports Zip for flight booking hence, you will be able to see it if you use this company for handling your itineraries.
If you prefer brands that include the likes of Emirates, CheapOair, Delta, and Trivago for your flights, you can still fly now and pay back later using your Zip account. This is possible through its virtual card which you can generate when checking out on any of the platforms.
Zip has a presence on thousands of shopping portals and you can also use it to buy all the items you will need before travelling for your vacation.
Its services are offered through its website and mobile apps but it has a Chrome browser extension which you can opt for when directly shopping on a flight booking portal.
You might want to get the Zip physical card before you travel. This card which is prepaid can be used at millions of locations when you travel and you will have to pay back later in instalments.
Perpay
Limit
Varies
Interest
0%
Credit Check
None
Another good option you can use to fly now and pay back later for your vacation is Perpay.
If you have a bad credit history and are bothered you might be rejected by the fly now, pay later providers on this list, Perpay might be the right answer for you.
To determine your eligibility for a pay-later flight, it uses your income as the base criteria, unlike others that perform credit checks.
One good feature you will like about using Perpay to fly now and pay later is how it helps in building good credit for you.
When you are on its Plus plan, you can build a healthy credit history and usually, it requires you to pay extra on monthly basis but this is only charged when you checkout so, you will not pay when you do not use its service and your credit history will be reported to the major credit bureaus that include Experian, Equifax and TransUnion.
In addition to your credit history getting reported to the credit bureaus when you are on the Plus plan, it also gives you access to smaller payment options and higher spending limits as well as access to monitor your credit score growth on the go via your Perpay dashboard.
Since your eligibility to be granted access to funds for your fly now, pay later order requires that you should have a verifiable source of income, it means you must be employed before you will be able to use it to cater for your vacation needs.
Ensure to provide your true net pay as this is verifiable because the payment before your flight order is confirmed will be through payroll direct deposit that aligns with your employer’s pay cycle like weekly, or monthly depending on your employment contract.
Perpay’s services are offered through its website and mobile apps and when on the Plus plan, you can also have the physical card for seamless checking out on any travel agency website.
ViaBill
Limit
$1,500
Interest
0%
Credit Check
Soft
ViaBill is another interesting pay-in-4 provider you can use to fly now with payment plans.
With direct integration, you can use it to shop at hundreds of merchants’ locations when visiting the merchants online as well as offline.
There is the ViaBill Plus account that will give you access to more online stores and you can also seamlessly pay for your purchases at a store walk-in.
Apart from the above extra features that you enjoy as a Plus user, you will also have access to its virtual card which you can link to your Apple Pay or Google Pay wallet for easy checkout at store locations.
Other benefits that come with ViaBill+ include enjoying a limit of up to $1,500 and when needed, you can extend your flight instalment payment up to 4 – 24 months.
While the Plus account appears like an interesting package, it comes at a cost of $5.99 charged monthly when you are on ViaBill pay-in-4 settlement schedules.
This provider is not different compared to the other buy now pay later apps on this list when it comes to performing a soft credit check which does not have an effect on your credit score.
In cases where you do not see ViaBill when you visit your preferred travel website, you can still split your flight booking payment by using its virtual card which you can access when you log in to your ViaBill Plus account.
ViaBill, similar to some of the other buy now pay later apps on this list is only available when you are booking your flight at merchants with a direct partnership or you can opt to pay through its virtual card if you are a Plus user as that upgraded plan gives you access to this virtual card that can be used at millions of shopping portals.
When you are planning to travel, it involves a lot of thinking especially funds to handle the things needed to ensure you have an amazing one without overwhelming yourself.
Fortunately, there are many payment companies that will allow you to fly now and pay back later.
With a lot of them supporting the use of virtual cards you can use to split the booking payment, the flight part of your planning is sorted and you can channel the funds into handling other aspects of your vacation plans.
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