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5 sites where Canadians can book vacations now and pay later

Itching for a holiday but don’t have the cash right now? These sites let you book your dream vacation now and pay it off later.


There’s plenty of companies that offer layby holidays, with flexible payment plans and the option to pay off your holiday in as much as 12 months.

Some also offer an interest-free period, which means that your finances don’t have to hold you back from going on that last-minute vacation or scoring a great deal on a trip you find.

Of course, like with any loan or credit product, you’ll need to make sure you make payments on time to avoid paying interest (if there is an interest-free period) and any additional fees.

As always, read what you’re getting before you sign on the dotted line!


1. Air Transat

Already known for its budget-friendly flights and vacations, did you know that Air Transat also lets you lock in a Caribbean, Central America or Europe package or cruise with a deposit and pay for the rest of it later?

  • Lock in your package price with a $250 deposit
  • You’ll need to pay off the remaining balance within 45 days of travel.
  • You won’t pay any interest or extra fees, but the balance (less than $250 deposit) must be paid in a single payment.


2. Contiki

Spend less time worrying about payments and more time choosing the perfect itinerary – Contiki has loads to choose from.

  • Secure your tour for just $200, letting you take advantage of Contiki’s regular deep discounts before you need to pay the whole trip off
  • Flexible deposits means you can even change your tour choice within 60 days of departure for US and Canada trips, or within 45 days for all other regions.
  • Pay zero change fees if you’re within the change period

Go to the Contiki website

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3. G Adventures

Never miss a trip with Lifetime deposits that never expire and payment plans that mean you never need to pay for a full trip upfront.

  • Only a $250 deposit is required to reserve your spot.
  • Trip can be paid in smaller payments up until 60 days prior to departure.
  • Hold this fee policy: The Holding an Option is available for tours and lets you hold the price or space in a tour for 48 hours. The option will expire and your space will be released unless you confirm within 48 hours.
  • Lifetime deposits policy: A confirmed tour which has been cancelled will be added to the the lifetime deposit which is the value of the deposit made on that tour. Lifetime deposits never expire.

Go to the G Adventures website



Found a stellar all-inclusive deal but just short on funds? TripCentral will let you book your trip and then pay it off over the next year.

  • Pay off your trip in 12 fixed monthly instalments
  • You’ll not pay any penalties or late fees, but you will pay interest
  • Available on trips (including vacations and cruises) of $500 or more


Known for its deep discounts on trips, including buy-one-get-one offers and up to 60% off last-minute trips, lets you bag a bargain and pay for it when you can.

  • Pay off your trip in 12 fixed monthly instalments
  • Similar to a loan, you will be required to pay interest
  • When you book, opt to pay with Uplift Pay Monthly (subject to approval)

Want to book layby holidays online? Use one of our coupons:



Up to 30% off site-wide

Available on trips from 1 April 2021 - 31 October 2022 when you pay in full by 31 March 2021. Destinations include Canada, USA, London, Spain, Australia, New Zealand and more. T&Cs apply.

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G AdventuresG Adventures

G Adventures

Up to $400 off worldwide cruises

Available for cruises from August 2021 - January 2022. Destinations include Greece, Caribbean Islands, Maldives, Thailand, Cuba, Croatia, Sri Lanka, Indonesia and more. T&Cs apply.

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Up to 25% off worldwide tours + $99 deposits

Available on select dates in 2021 and 2022 to Australia, New Zealand, USA, Canada, Europe, Thailand and more. T&Cs apply.

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G AdventuresG Adventures

G Adventures

Get $100 travel credit

Sign up to G Adventures ad receive amazing offers. Destinations include India, Thailand, Indonesia, Peru, Africa, Greece, France, Spain, Costa Rica, Mexico, Egypt, New Zealand. Australia and more. T&Cs apply.

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Subscribe to receive latest deals

Subscribe to the newsletter and be updated on the latest Contiki news, deals and trips.

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Popular Contiki coupon codes

Last checked Code description Code
25 Nov 2020 Up to 30% off site-wide ********
25 Nov 2020 Up to $400 off worldwide cruises ********
24 Nov 2020 Up to 25% off worldwide tours + $99 deposits ********
21 Feb 2020 Get $100 travel credit ********
15 Jul 2020 Subscribe to receive latest deals ********

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