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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
|CheapOair||$0||Choose a 3, 6 or 12-month payment period through Affirm.|
|Expedia||$0||Choose a 3, 6 or 12-month payment period through Affirm. Only available on flight + hotel bundles.|
|American Airlines||$0||Open an American Airlines credit card and use it to pay.|
|JustFly||$0||Choose a 3, 6 or 12-month payment period through Affirm.|
|KLM||$0||Select PayPal’s Bill Me Later option.|
|Hawaiian Airlines||$6-$16.50||Holds your seat for 3 or 7 days.|
|United Airlines||Varies||FareLock will hold your seat for 3 or 7 days.|
|Frontier||$0||Choose Pay Monthly at checkout to break the cost into 12 monthly payments.|
|OneTravel||$0||Choose a 3, 6 or 12-month payment period through Affirm.|
|CheapAir||$0||Choose a 3, 6 or 12-month payment period through Affirm.|
|STA Travel||$49-$299||Send a deposit at checkout and pay the rest by the payment deadline.|
|South African Airways||$0||Select Pay later at payment and pay it off within three days.|
|Qatar Airways||Varies||Reserve a ticket up to 72 days by paying a fee up front, then pay in full later on.|
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.
No airlines offer Affirm, but a host of travel search engines do. These include:
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.
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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