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Book now pay later flights

12 sites that let you buy a ticket without paying right away.

Sometimes you need to book a flight pronto — whether for a personal emergency, business trip or much-needed vacation — even though your bank account isn’t ready to fork over the funds. We researched 13 websites that let you buy flight tickets today but pay for the remainder later, usually with a small fee or initial deposit. Just make sure you have a plan to pay for the tickets in-full later on, as interest rates and late fees may apply.

Websites offering Book-now-pay-later flight options

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1. Expedia

Opt for a monthly payment plan when you book hotel and flight packages.

Choose the monthly payments with Affirm when you book your hotel and flight bundles with Expedia. Select a three, six or 12-month payment plan — but plan to pay interest on your balance.

  • Fees: APRs vary between 10% and 30%.
Happy woman checking her mobile phone in window seat on airplane

2. CheapOair

Book a flight and pay it off over three, six or 12 months.

CheapOair helps folks find discounted flights and offers Affirm as a payment method at checkout. Affirm lets you choose between three payment plans so you can pay the tickets off gradually. But your balance could earn interest along the way.

  • Fees: APRs vary between 10% and 30%.
Closeup of jet engine

3. Hawaiian Airlines

Considering an island getaway but need some extra time to decide? Save those cheap seats.

Forgoing the pay-later option, Hawaiian Airlines offers a generous fare-hold period that holds your reservation until you’re ready to pull the trigger. Choose to save your seats for three or seven days for a nonrefundable fee that doesn’t count towards your airfare.

Traveling with others? You can only hold one seat.

  • Fees: $4.99 to $16.50, depending on your route.
Man looking out airplane window into sunrise

4. OneTravel

Book tickets for your next flight, and take up to one year to pay it off.

OneTravel works with Affirm offering a monthly payment program, giving you three, six or 12 months to pay for your travel. But you’ll pay interest on your balance.

  • Fees: APRs vary between 10% and 30%.
View of airplane taking off from runway

5. CheapAir

Stick to your budget by opting for a monthly payment option.

CheapAir can help you locate discount flights for global travel. Through Affirm, buy a ticket today and pay for it gradually, choosing either three, six or 12 months as your payback timeline.

  • Fees: APRs vary between 10% and 30%.

6. JustFly

Book flights with major airlines like Delta, United, Spirit, Alaska and more.

Choose Easy monthly payments at checkout to foot the bill with Affirm — it’ll show you exactly how much interest you’ll pay, depending on the plan you choose.

For example, a flight that costs $144 might accrue about $4 interest over three months, $7 interest over six months or $12 interest over 12 months with an APR of about 15%. Of course, actual interest rates depend on the APR you qualify for.

  • Fees: APRs vary between 10% and 30%.
Young boy playing with toy airplane sitting in window seat on airplane

7. Qatar Airways

Take up to 72 hours to pay for your flight.

If you’re waiting for a transfer of funds or need a few days to decide, Qatar’s Hold My Booking feature lets you reserve a ticket for up to 72 days, as long as it’s booked at least three days prior to departure. And you’ll pay a nonrefundable fee to secure your spot.

  • Fees: Vary depending on the route and length of time before you pay.
Aerial shot of airplane on runway

8. American Airlines

Get six months to pay off a flight worth $150 or more without earning interest.

The Fly Now Payment Plan from American Airlines lets you purchase a flight and pay it off over six months, interest-free. The catch? You have to open an American Airlines credit card and charge it.

American Airlines offers four different credit cards to choose from — including one with no annual fee.

  • Fees: Depend on your credit score when you apply for the American Airlines credit card.
Aerial view of two airplanes taxiing on runways

9. United Airlines

Save a seat on the plane — and take as long as one week to pay.

United Airlines’ FareLock tool lets you hold a seat at a set rate for either three or seven days. Just choose FareLock under Purchase Options at checkout.

The nonrefundable fee to hold the seat isn’t applied to the cost of the ticket, and FareLock may not be available on all flights.

  • Fees: Variable depending on the flight and how long you hold your seat.
Frontier Airplane

10. Frontier

Use Uplift, a travel loan provider, to split the cost of your airfare into 12 monthly payments.

Since Frontier is a budget airline, the price of flying is pretty low to begin with — you can usually book a roundtrip flight within the US for less than $200. But if you need more time, choose Pay Monthly at checkout to secure your spot with no deposit required.

That said, Frontier only lets you pay via Uplift if your tickets cost at least $150. You’ll also pay interest over time because Uplift is technically a travel loan provider.

  • Fees: APRs vary between 4.01% and 35.99%
Airplane at gate with sun shining

11. KLM

Pay with PayPal and be billed later on for international flights on this airline based in the Netherlands.

KLM flies to 304 destinations around the world. If you need some time to cover the cost, just check out with a PayPal account and choose the Bill Me Later option. You’ll have six interest-free months to pay.

  • Fees: None if you pay within six months.
Plane landing at sunset on runway

12. South African Airways

Some destinations on SAA give you up to three days to pay your flight in full.

South African Airways lets you lock in a fare and take up to three days to pay for it — enough time to complete a transfer from another account. You won’t pay a fee, but not all flights are eligible.

  • Fees: None

What are the book-now-pay-later terms with these sites?

ProviderRequired depositTerms
CheapOair$0Choose a 3, 6 or 12-month payment period through Affirm.
Expedia$0Choose a 3, 6 or 12-month payment period through Affirm. Only available on flight + hotel bundles.
American Airlines$0Open an American Airlines credit card and use it to pay.
JustFly$0Choose a 3, 6 or 12-month payment period through Affirm.
KLM$0Select PayPal’s Bill Me Later option.
Hawaiian Airlines$6-$16.50Holds your seat for 3 or 7 days.
United AirlinesVariesFareLock will hold your seat for 3 or 7 days.
Frontier$0Choose Pay Monthly at checkout to break the cost into 12 monthly payments.
OneTravel$0Choose a 3, 6 or 12-month payment period through Affirm.
CheapAir$0Choose a 3, 6 or 12-month payment period through Affirm.
STA Travel$49-$299Send a deposit at checkout and pay the rest by the payment deadline.
South African Airways$0Select Pay later at payment and pay it off within three days.
Qatar AirwaysVariesReserve a ticket up to 72 days by paying a fee up front, then pay in full later on.

Can you pay for flights in installments?

Sometimes, but it depends on the provider’s options. Flight search engines that offer Affirm as a payment method let you pay off flights in installments.

Which airlines offer Affirm?

No airlines offer Affirm, but a host of travel search engines do. These include:

You can also find other travel brands that use Affirm to help customers afford tickets or reservations, like resort company Great Wolf Lodge.

Traveling during COVID-19
The CDC continues to advise caution when traveling within or outside the US, though it no longer requires self-quarantine or a COVID-19 test for fully vaccinated travelers as of April 2021. It recommends that you delay travel if you are not fully vaccinated to protect yourself and your family from getting or spreading the virus.

When traveling, follow safety measures that include wearing a mask in public, social distancing and washing your hands. If you are diagnosed with, have symptoms of or are waiting for COVID-19 test results — or are otherwise at risk of illness — do not attend gatherings or travel for 14 days.

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Bottom line

Whether you’re pining for a vacation or need quick travel to see family, sometimes you have to book fast. A book-now-pay-later policy can help you get where you need to be.

Another way to save some cash on travel? Snagging a travel coupon.

Frequently asked questions

Will Affirm check my credit score?

Yes. When you apply to use Affirm as a payment method, it’ll check your eligibility for financing by performing a soft pull on your credit.

Soft credit pulls won’t affect your credit score.

Is Affirm legit?

Yes. Affirm is a popular lender available at checkout with merchants like Walmart, Yeti and select travel sites.

Still, like any financial provider, it comes with some risk. Before signing up, be sure to weigh the pros and cons of Affirm evenly.

Will using book now pay later for a flight affect my credit score?

It depends whether you’re borrowing money or not. Using a payment method like Affirm could affect your credit score, because you’re essentially taking out a loan. If you default on that loan, your score will take a hit.

On the other hand, if you’re holding a reservation for a fee until you make the purchase, your credit score goes untouched — you’re not actually borrowing money.

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