Fly Now Pay Later

Fly Now Pay Later review: Pros, cons and costs

Find out whether paying through Fly Now Pay Later and splitting the cost of your trip is right for you.

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Fly Now Pay Later lends you the cost of your holiday if you book through certain travel companies, and allows you to repay it in instalments, with interest. As well as covering flights, the service also includes hotels, car hire and insurance. But is there a catch? And how does it work? We explain in our review.

How does Fly Now Pay Later work?

You choose your trip from an online partner of Fly Now Pay Later, such as lastminute.com or LycaFly. When you check out, pay by clicking on the “Fly Now Pay Later” button, which is when your credit application will begin. You’ll quickly find out how much you can borrow (it offers loans between £100 and £3,000), and the repayment plans available to you, after Fly Now Pay Later has checked your credit history. If you’re happy with the terms, you can finalise your booking. You’ll repay the cost over 3–12 instalments, which will begin either just before you fly or soon afterwards, depending on what Fly Now Pay Later offers you.

Deal

Book now and pay later with Fly Now Pay Later at lastminute.com (Rep. 49.0% APR)

Book your dream holiday now and pay for it in instalments thanks to lastminute.com's partnership with Fly Now Pay Later. T&Cs apply.

What else do I need to know?

Fly Now Pay Later is a finance product – it’s offering you a loan to pay for your holiday and it charges interest.

Here’s a representative example

The APR ranges from 0% to 44.99%. If you were looking to borrow £800 over 12 months, you would repay in 12 monthly instalments of £76.63, and the total amount payable would be £919.49. The representative APR is 29.99%. This means that most customers will be offered that rate or better.

Which retailers offer Fly Now Pay Later?

Check out our full list of Fly Now Pay Later retailers to browse a range of trips that will allow you to hop on a plane now and pay later.

Features of shopping with Fly Now Pay Later

  • Travel specific. Spread the cost of your trip away across a specified time period, split into 3-12 instalments.
  • Borrow a large amount. You can borrow from £100 to £3,000, depending on your credit profile and travel plans.
  • Interest charges. By booking with Fly Now Pay Later, you accept that your booking will incur some level of interest. The total amount you will be charged, with all interest fees included, is presented to you at checkout.
  • No hidden fees. Fly Now Pay Later claims to be 100% transparent – the total you see at checkout is always what you’ll actually pay.
  • No early repayment charges. Fly Now Pay Later will collect your payments automatically but additional payments can be made earlier without a fee.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

How much does Fly Now Pay Later cost to use?

The overall amount presented to you when you check out is your total, which includes applicable fees and interest rates. Fly Now Pay Later may request a deposit on bookings, which is also included.

What happens if I can’t make a payment?

Fly Now Pay Later does not charge late fees. However, if you’re very late with your monthly payments, it might refuse you if you try to use the service again.

If you are experiencing money worries and cannot repay, contact Fly Now Pay Later by sending an email to support@flynowpaylater.com or you could call 020 3389 6549.

Does Fly Now Pay Later perform a credit check?

Yes, Fly Now Pay Later will carry out a credit check before it offers you a payment plan and rate.

How to sign up for Fly Now Pay Later

When you choose your trip online at a partnered retailer’s website, such as lastminute.com and LycaFly, and you choose to pay with Fly Now Pay Later, you are creating your account.

What can I do if something goes wrong?

If you encounter a problem with Fly Now Pay Later, you can use the list of handy frequently asked questions on the site. Can’t find your query on there? Give Fly Now Pay Later a call on 020 3389 6549, or email the team at support@flynowpaylater.com.

Is Fly Now Pay Later safe?

Yes. The service is UK-based and fully regulated by the Financial Conduct Authority.

Pros and cons of Fly Now Pay Later

  • Fly now, pay for it later. With this provider you can book your trip of a lifetime when you want to and cover the costs later on, without having to wait until payday.
  • No late fees. Fly Now Pay Later will not charge you fees for late payments.
  • No early repayment charges. If you wish to clear your balance earlier than your scheduled repayment date, you can do so free of charge.
  • Range of payment plans. The service offers users the ability to split their purchase over 1-12 months and in 3 to 12 instalments.
  • Interest charges. When booking with Fly Now Pay Later, your booking will incur some level of interest. The total amount you will be charged, with all interest fees included, is presented to you at checkout.
  • Limited retail partners. To use the service you will need to book your trip through one of Fly Now Pay Later’s retail partners, which reduces your ability to shop around.

The verdict

Fly Now Pay Later is one of the first buy now, pay later providers offering the service in the travel industry. We think the company is transparent about the service and the costs, but it’s important to keep in mind the interest charges before agreeing to the terms.

We like that Fly Now Pay Later charges no late fees, even if you miss a payment. You should always be clear about how much you owe, based on Fly Now Pay Later’s commitment to transparency, and support is offered if you are struggling to meet your repayment plan. However, as Fly Now Pay Later is only available with certain travel retailers, you should be aware that it may work out cheaper to shop around and book elsewhere. It is also possible to fund your trip through other types of credit, to avoid interest charges, such as a 0% credit card if you pay off the balance within the interest-free period.

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