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Book now pay later: Vacations with payment installments

Book your dream getaway today — with extra time to gather the funds.

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Young people walking to the sea to surf

Scheduling a vacation can be the perfect motivation to keep on keeping on, especially when you’re tired of the daily grind. These sites let you book a dream vacay with only an initial deposit, so you have time to save and pay the balance later.

But missing your payments risks losing your reservation, or in some cases, hurting your credit score. Layaway vacations are best for travelers who can stick to a budget and commit to a payment plan.

7 sites offering book now, pay later vacations

overwater bungalows bora bora from expedia

1. Expedia

Score super low prices on flight and hotel bundles with Expedia — and choose Monthly payments at checkout to finance with Affirm.

We like Expedia because it has a knack for finding all-inclusive resort deals for less than $1000 a person, including the flight

  • 3-, 6- or 12-month payment plans
  • APR ranges from 10% to 30%
overwater bungalows bora bora from expedia

2. Contiki

18-to-thirty-somethings can book Insta-worthy tours around the world, using Uplift to fund their adventure upfront. If financing isn’t your style, you can also pay with an $200 deposit and cover the balance 45 days before departure without accumulating interest.

  • FlexDeposits let you cancel your trip and save the credit or transfer it to a friend
  • Cancel or change your trip up to 30 days before departure without penalty
overwater bungalows bora bora from expedia

3. G Adventures

Deposits for action-packed G Adventures layaway vacations start at $250 — and if you need to change or cancel, that credit is good for life. Pay the full balance closer to departure.

  • Its Holding an option tool lets you reserve a spot for up to 48 hours without paying a cent
  • Vacation styles range from wellness tours to National Geographic tours
  • Full payment deadline varies by tour type
overwater bungalows bora bora from expedia

4. Southwest Vacations

Use Uplift to finance your trip with a monthly payment plan — just choose Pay monthly at checkout. You’ll complete a short loan application and it gives you a decision instantly.

  • Book flight and hotel bundles, plus activities
  • Travel before the loan is paid off
  • Set up automatic payments
overwater bungalows bora bora from expedia

5. United Vacations

You’ve got two options with United Vacations: either send an initial deposit of $250 and pay the rest at least 45 days before departure — no financing or short-term loans required — or finance your trip using Uplift.

  • Specializes in resort and upscale hotel getaways
  • Schedule automatic payments or set up email reminders
  • Use multiple credit cards to fund the trip
overwater bungalows bora bora from expedia

6. Luxury Escapes

Book a getaway at a dreamy resort or hotel and sign up for a Latitude Financing payment plan, with a 12-month interest-free period. You’ll have to make monthly payments along the way, and interest is a whopping 24.99% after the promotional period ends.

  • 7-day refund guarantee if you change your mind
  • Apply for approval — it runs a credit check
  • Provided by Latitude Finance Australia
overwater bungalows bora bora from expedia

7. Funjet Vacations

Plan your getaway at least six weeks in advance and choose the Deposit option at checkout. From there make an initial deposit starting at just $50 — then schedule a final payment date or pay for your vacation at regular intervals, with zero interest.

You can also finance your Funjet layaway vacation with Uplift.

  • Schedule email reminders to stay on top of payments
  • Deposit costs vary, depending on your purchase

What layaway vacation options are available from these companies?

Brand nameType of coverage
Southwest VacationsUplift
United VacationsUplift or initial deposit and pay in full 45 days before departure
ContikiUplift or initial deposit and pay in full 45 days before departure
G AdventuresInitial deposit from $250 and pay in full closer to departure
Luxury EscapesLatitude payment plan
FunjetUplift or initial deposit and pay in full closer to departure
ExpediaAffirm

All-inclusive vacation payment plans

The most common way to set up an all-inclusive vacation payment plan is to use a service like Uplift or Affirm. These companies function as short-term loan providers for travel products, so you can break the total sum into monthly payments. However, read the terms and conditions and understand the risk, because interest on your balance accumulates over time, and late payments could affect your credit score.

If you don’t need to borrow the money, you could set up your own payment plan — without using a financing provider. Choose a travel company that lets you book a trip with an initial deposit so you can cover the balance at your own pace, as long as you can meet the final payment deadline.

BookVIP.com BookVIP.com

5 nights in beautiful all inclusive Cabo San Lucas Resort now: $799/person

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Disney vacation payment plans

Disney lets you book a vacation package with an initial deposit of only $200. Then, make payments at your convenience, as long as the balance is paid in full 45 days before departure. That way, you can take advantage of an amazing deal or limited time promotion, without immediately forking over the funds. Log into your Disney World account to make payments. No interest or extra fees apply, since you’re not taking out a loan. However, if you don’t pay the balance in time, you could lose your reservation.

CruiseDirect CruiseDirect

3 night Bahamas cruises from $702 on Disney cruises!

Exclusive-up to $500 to spend onboard, plus 10% off shore excursions!

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Hawaii vacation payment plans

Our best recommendation for Hawaii vacation payment plans is to use either United Vacations or Expedia. These companies have strong reputations for finding fabulous flight and resort deals in tropical places like Hawaii. Choose United Vacations if you have $250 on hand for a deposit today and are confident that can save enough money in time for the full payment deadline. On the other hand, if you’ll need a loan to finance your Hawaii vacation, Expedia can be a solid choice since it partners with Affirm — which is a legit lender.

Choice Hotels Choice Hotels

Up to 15% off advance bookings

Book and pay for your stay at least 7 days in advance and save. Available at select hotels in the US, including New Yoek, Florida, Hawaii, California and more. T&Cs apply

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Travelocity Travelocity

Over 75% off bookings with top cruise lines

Book cheap Royal Caribbean cruises from just $156 to the Bahamas, Caribbean, Alaska, Hawaii, South Pacific and more. T&Cs apply.

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Bottom line

Layaway vacation packages can be a wonderful way to put a getaway on the calendar without draining your bank account — as long as you’re prepared to pay the balance in full. After planning your trip, browse travel discounts and promo codes to save on extras like car rentals, tours and more.

Frequently asked questions


Current vacation and package deals

Travelocity Travelocity

Vacation packages now under $400

Flight and hotel included for getaways to: Miami, Orlando, Las Vegas, NYC, Honolulu, Los Cabos, and more. T&Cs apply

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Vrbo Vrbo

US vacation rentals starting under $50 per night

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Orbitz Orbitz

Vacation with freedom and flexibility - free cancellation hotels

T&Cs apply

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Tours4fun Tours4fun

Up to 30% off tours, activities, and vacation packages

T&Cs apply

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Insight Vacations Insight Vacations

Save 10% on 2021 Trips to the Americas

Terms and Exclusions Apply, See Site for Details

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Hotwire Hotwire

Save up to $422 on Flight + Hotel Packages

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Hilton Hotels & Resorts Hilton Hotels & Resorts

Enjoy $25/day for food and drinks when you book dine and unwind package

T&Cs apply

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U by Uniworld U by Uniworld

Looking to go on a solo vacation this summer?

Join our solo-traveler experts for a week of discovering new places. T&Cs apply

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CheapTickets CheapTickets

See all vacation packages under $399

Trip-planning just got a whole lot easier—and cheaper! We're serving up exclusive vacation deals around the globe, where you can book your flight and hotel together for under $399.

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