Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Vacation payment plans: book now pay later

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

Scheduling a vacation can be the perfect motivation to keep on keeping on, especially when you’re tired of the daily grind. Vacation payment plans 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.

8 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. 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

3. 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

4. JetBlue Vacations

JetBlue Vacations teamed up with MarcusPay (by Goldman Sachs) to offer repayment plans for its package getaways. You can book an all-inclusive resort stay, complete with roundtrip airfare, and set up a monthly payment plan — though APRs range from 10.99% to 25.99%.

  • Applicable on bookings from $750 to $10,000
  • No deposit required upfront
  • Loan rates from 12 to 18 months
overwater bungalows bora bora from expedia

5. 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

6. 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

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
overwater bungalows bora bora from expedia

8. 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

Buy now pay later vacation rentals

Book a dreamy rental for your next vacation — whether that’s a romantic studio in Paris, a beach bungalow in Florida or a private pool in Palm Springs— and pay using Affirm on these sites:

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

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.

It looks like we don't have any coupons at the moment.

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.


Disney cruises from $705 per person to the Caribbean

T&Cs apply.

Disney Cruise Line deals starting from $213/night to Caribbean and other destinations

T&Cs apply.

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.


Cyber Monday 2021 sale on flights

Expires 13 May 2022

Cheap flights to Los Angeles from $76 One Way, $151 Round Trip

Book flights to Los Angeles, Burbank, and Long Beach with Spirit, United Airlines, American Airlines, Hawaiian Airlines and more.
Traveling during COVID-19
The CDC continues to advise caution when traveling within or outside the US, However, it no longer requires self-quarantine or a COVID-19 test for fully vaccinated domestic travelers as of April 2021. International travelers need to get tested three days prior to flying out of the US and within three days after returning, even if you are fully vaccinated. It recommends that you delay travel if you’re not fully vaccinated to protect yourself and your family from getting or spreading the virus.

If you’re planning a trip outside the US, bear in mind that many countries have placed restrictions on US tourists. Check the US embassy website for updates before booking international travel.

Current vacation and package deals


Up to 75% off travel deals

Huge savings on travel deals, including hotels, vacation rentals, vacation packages, flights, car rentals and sightseeing tickets.

Up to $1,000 to spend on board with Norwegian Cruise Line

Just book your next cruise vacation with Priceline Cruises and get up to $1,000 to use as a liquor, dining, and spa credit, along with other purchases made on the ship! T&Cs apply.

$150 off select flight + hotel packages

T&Cs apply

Vacation packages now under $400

Expires 31 Dec 2025
Flight and hotel included for getaways to: Miami, Orlando, Las Vegas, NYC, Honolulu, Los Cabos, and more. T&Cs apply

Check out the great deals at TurnKey Vacation Rentals

Expires 31 Dec 2029
T&Cs apply

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

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site