Vergleichen Sie Tarife über 600+ Fluggesellschaften auf Laters und teilen Sie die Kosten Ihres Flugs mit Atome — ein Kreditprodukt, mit dem Sie den Flugpreis in monatliche Raten aufteilen können, vorbehaltlich Genehmigung und geltender Bedingungen. Ihr E-Ticket wird nach Zahlungsbestätigung ausgestellt, sodass Ihre Buchung vor Ihrer Reise gesichert ist.
Redigiert von Adinda Irawan
Atome funktioniert für jeden Flug auf Laters — jede Fluggesellschaft, jede Route, jede Tarifklasse. Wählen Sie Atome an der Kasse und Ihr E-Ticket wird nach Genehmigung der Zahlung ausgestellt. Atome ist in Südostasien und darüber hinaus verfügbar und ein Kreditprodukt, daher ist eine Genehmigung nicht garantiert und eine Bonitätsprüfung ist erforderlich.
Most airlines don't offer Atome at their own checkout. Singapore Airlines, Malaysia Airlines and AirAsia across Southeast Asia have no native Atome option, and neither do Cathay Pacific or Hong Kong Airlines out of Hong Kong. Book any of them through Laters.com instead, and Atome sits right there at checkout. You select Atome, pick a plan that fits your budget, and the e-ticket is issued once payment is confirmed.
Pay in 3 is Atome's flagship plan and runs interest-free across the Southeast Asian and East Asian markets we cover, while longer pay-monthly plans stretch the cost further but some carry interest and a soft credit check applies. This holds whether you're booking a long-haul business seat or a short domestic hop, and all plans are subject to approval and available to travellers aged 18 and over. Check the Atome Malaysia instalment plans for how longer terms work in your market.
Zahlen wie von Atome veröffentlicht, überprüft gegen die Länderbedingungen von Atome.
Atome ermöglicht es Reisenden in Südostasien und darüber hinaus, Flüge in Raten zu zahlen oder die Kosten über einen längeren monatlichen Plan zu verteilen. Beide sind Kreditprodukte, abhängig von Berechtigung und Bonitätsprüfung. Vollständige Plandetails, Gebühren und Verfügbarkeit nach Land finden Sie in den Karten unten.
$500
Pay in 3 is interest-free when you keep to the schedule, splitting the fare into three monthly payments. Miss one and a late fee may apply, and a credit check applies before Atome confirms the plan for your booking. Atomes Flaggschiff-BNPL-Produkt in Südostasien; normalerweise erste Zahlung an der Kasse, dann zwei weitere monatliche Zahlungen.
Pay Monthly stretches the fare over a longer run of instalments for travellers who want smaller payments spread further out. This is a credit plan: some tenures carry interest, a credit check applies, and a late fee may apply if a payment is missed, so read the terms Atome offers at checkout before you commit. Grokipedia vermerkt längere Pläne mit minimalen Gebühren; genaue Laufzeiten/Bedingungen nicht bestätigt.
Pay in 3 is the name used across Atome's Southeast Asian markets, though the exact schedule (when the first instalment is debited) can vary by country. Your e-ticket is issued in full once the booking is confirmed. Check how Atome works in Singapore for current terms.
Nur zur Veranschaulichung. Die obigen Zahlen werden aus dem von Ihnen festgelegten Flugpreis berechnet: einfache Division für die zinsfreien Pläne und der illustrative Zinssatz des Plans über seine angegebene Laufzeit für monatliche Finanzierung. Sie stellen kein Angebot, kein Angebot oder keine Vorhersage dar, was Ihnen gewährt wird. Laters.com ist nicht der Kreditgeber und nimmt nicht an der Entscheidung teil: Welche Pläne angezeigt werden, die Ratenbeträge, etwaige Zinsen und Gebühren sowie Ihre Berechtigung werden allein vom Anbieter bestimmt und hängen von einer Kredit- oder Berechtigungsprüfung, Ihrem Land und Ihrem Warenkorb ab. Die einzige Möglichkeit, Ihre tatsächlichen Pläne zu sehen, besteht darin, diese Zahlungsmethode an der Kasse auszuwählen. An diesem Punkt genehmigt oder lehnt der Anbieter, nicht Laters.com, den Kauf ab. Alle Pläne, Zinssätze, Gebühren und Bedingungen sind nur Schätzungen und unterliegen der Genehmigung und Änderungen.
Atome bedient Reisende in Südostasien, Ostasien und Südasien. Wenn Sie Flüge aus diesen Regionen buchen, können Sie Ihren Flugpreis als Kreditvereinbarung in Raten aufteilen, abhängig von Berechtigung und Bonitätsprüfung. Bestätigen Sie die Verfügbarkeit Ihres Landes im Raster unten. Dieser Leitfaden führt Ratenpläne in 7 Märkten auf.
Pläne wie von Atome für Singapur (SG) veröffentlicht, verifiziert .
Pläne wie von Atome für Malaysia (MY) veröffentlicht, verifiziert .
Pläne wie von Atome für Indonesien (ID) veröffentlicht, verifiziert .
Pläne wie von Atome für Philippinen (PH) veröffentlicht, verifiziert .
Pläne wie von Atome für Thailand (TH) veröffentlicht, verifiziert .
Pläne wie von Atome für Vietnam (VN) veröffentlicht, verifiziert .
Pläne wie von Atome für Sonderverwaltungsregion Hongkong (HK) veröffentlicht, verifiziert .
Across Southeast Asia this short-term plan is usually called Pay in 3, and that is the label you will see in Singapore, Malaysia, Indonesia, Thailand, the Philippines, Vietnam and Hong Kong. Repayment works the same way almost everywhere: one instalment taken at purchase, then further instalments at fixed intervals after, interest-free when paid on time. Approval is not guaranteed, and Atome's longer monthly plans carry interest. Limits, fees and rates differ by country and are shown by Atome at checkout, so check how Atome's plans work before you book.
Here, you compare flights across every airline we sell, then choose an Atome plan at the Laters.com checkout. You pick the flight first, split it with Atome at that same checkout, and any instalments left simply continue on the schedule you agreed to.
Every row below points back to one thing: whoever operates the flight, and whatever Atome plan gets approved, Laters.com is who you booked with. That means one place to go if a date needs changing, a name needs fixing, or a refund is owed. Approval for a plan isn't guaranteed, and some plans carry interest, so read the terms before you split the fare.
| Das erhalten Sie | Laters.com | Buchen Sie direkt bei der Fluggesellschaft | Sieger |
|---|---|---|---|
| Flight search | Compare available flights across airlines before choosing how to pay. | Search one airline and its partner itineraries. | Laters.com |
| Atome eligibility | Atome eligibility is confirmed in the Laters.com payment step for eligible bookings. | Payment options are confirmed in the airline's own checkout. | Unentschieden |
| Ways to pay | Choose Atome where it is shown alongside the other payment methods for your booking. | Choose from the airline's own available payment methods. | Laters.com |
| Fare conditions | The fare conditions and airline extras remain tied to the fare you select. | The fare conditions and airline extras remain tied to the fare you select. | Unentschieden |
| Payment surcharges | Laters.com adds no booking fee or payment surcharge for using Atome. | Some airlines publish payment fees in particular markets; American Airlines says a £4.50 fee may apply to some UK card or PayPal payments. | Laters.com |
Verdicts compare the feature in each row, not every traveller's available payment method. Atome says shoppers can split purchases into three interest-free payments or use more time with a small fee at participating brand partners; availability is confirmed at checkout. Sources checked 23 September 2026: Atome Singapore and American Airlines payment-fee disclosure.
Unsere redaktionelle Bewertung von 0 bis 10 für die Funktionalität eines Anbieters für Jetzt kaufen, später zahlen bei der Flugbuchung.
Jeder Anbieter an unserer Kasse wird nach denselben 4 Maßstäben bewertet, sodass Sie sie vor der Wahl Ihrer Zahlungsart direkt vergleichen können. Alle Bewertungen von Anbietern für Jetzt fliegen, später bezahlen anzeigen →
Each of the four criteria above is scored out of 10 against Atome's published plan terms, published rates and eligibility criteria for flight bookings. The headline figure is the unweighted average of those four scores, rounded to one decimal, and no brand pays to be rated on Laters.com. Zuletzt überprüft September 2026.
Laters.com ist der Händler für jede Buchung auf dieser Seite: Wir verkaufen das Ticket und verdienen an dem Flugpreis, der unabhängig davon gleich ist, welche Zahlungsmethode Sie wählen. Kein Zahlungsanbieter zahlt uns für die Platzierung, das Ranking oder seine Zahlungsbewertung, und diese Seite enthält keine Affiliate-Links.
Für Reisende in Südostasien entwickelt, teilt Atome einen einzelnen Flugpreis in drei monatliche Zahlungen auf, die erste fällig an der Kasse. Das zinsfreie Pay in 3 ist seine größte Stärke — obwohl eine Bonitätsprüfung erforderlich ist und eine Genehmigung nicht garantiert ist. Die Abdeckung von sieben Märkten macht es für in Asien ansässige Bucher wirklich nützlich; Reisende, die längere Rückzahlungsbedingungen benötigen, könnten das bestätigte Planspektrum begrenzt finden.
4 Maßstäbe, nach demselben Verfahren für jeden Anbieter an unserer Kasse bewertet.
Repayment Flexibility8/10
Pay in 3 covers short-term needs, while Malaysia's Pay in 6/9/12 and Singapore's Pay in 6/9 stretch fares for higher-cost fares. Flexibility narrows outside these two markets, where only Pay in 3 is confirmed.
Interest Rate7/10
Pay in 3 is interest-free everywhere it runs. Malaysia's longer plans carry a 1.5% monthly instalment rate and Singapore's Pay in 6 adds a 3% one-time fee, so the cost only appears once a traveller extends the term.
Eligibility7/10
Confirmed availability spans Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, but every one of those seven records shows only Pay in 3, not the longer plans.
Approval Process8/10
Pay in 3 debits the first instalment at checkout in Singapore and the Philippines with no processing fee noted on that plan. Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
This table prices one fare across Atome's plans for Malaysia, where its longer instalment terms are documented. The fare itself does not change for paying this way, since Atome adds no booking fee or surcharge on top.
| Plan | Heute fällig | Dann | Sie zahlen insgesamt | Kreditkosten |
|---|---|---|---|---|
| In 3 bezahlen | Nicht angegeben | Nicht angegeben | $1,000.00 | Nichts |
| Monatlich bezahlen | Nicht angegeben | Nicht angegeben | $1,000.00 | Nichts |
Treat the table as an illustration, not a quote. What a traveller is actually offered depends on their market and on approval, and every provider on Laters.com is costed on the same rows so the numbers can be compared fairly.
If you searched for airlines that accept Atome, here is the short answer: every airline on Laters.com can be booked and paid for with Atome. That holds on any route and any fare class, from short-haul low-cost tickets to long-haul business class, subject to Atome's own limits and its eligibility check at checkout. Which Atome plan you are offered is set by the country you book from, not by the airline you fly, so check the country section below for what Atome publishes where you are. Below, the split matters more than the name. On a full-service carrier, the checked bag, seat selection, meals and frequent-flyer earning are exactly as the airline sells them. On a low-cost airline, those extras are added à la carte at checkout, with Atome splitting the basket total either way. Paying with Atome does not change the fare, the baggage allowance or the miles earned. You fly as the airline's own passenger and simply split the cost.
Compare Singapore Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Malaysia Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Qantas fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare American Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare British Airways fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Lufthansa fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review AirAsia fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Scoot fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Cebu Pacific fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review easyJet fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Ryanair fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Frontier Airlines fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Falls Atome in deinem Land oder für deinen Flug nicht verfügbar ist, bietet Laters.com eine Reihe von anderen BNPL- und flexiblen Zahlungsoptionen, um die Kosten deines Flugtarifs zu verteilen.
Klarna offers short-term instalment plans alongside longer financing options for bigger purchases. Approval isn't guaranteed, some plans carry an APR, and a credit check may apply.
Coverage varies by market, so check current availability on Laters.com.
Afterpay splits the cost into four payments, a familiar rhythm for travellers who want a fare paid off before the trip. A missed payment can trigger fees, and approval depends on Afterpay's own checks.
Coverage varies by market, so check current availability on Laters.com.
Zip lets shoppers spread a fare over several instalments, with some plans carrying interest or fees depending on the term chosen. A credit check typically applies before approval.
Coverage varies by market, so check current availability on Laters.com.
Tabby splits a ticket into instalments at checkout, a structure many Southeast Asian and Gulf travellers already recognise from other BNPL apps. Approval isn't automatic, and a credit check may run first.
Coverage varies by market, so check current availability on Laters.com.
Sezzle divides the fare into four payments rather than one lump sum at booking. Missed instalments can bring fees, and Sezzle runs its own eligibility checks before approving a plan.
Coverage varies by market, so check current availability on Laters.com.
PayPal's instalment option lets travellers split a flight into scheduled payments rather than paying the fare in full upfront. Some plans carry interest, and approval depends on a credit check.
Coverage varies by market, so check current availability on Laters.com.
Alles, was Sie über die Bezahlung von Flügen mit Atome auf Laters.com wissen müssen.
Yes. Laters.com lets you check out flight bookings with Atome and choose from Pay in 3, Atome's flagship three-instalment plan, or longer Pay Monthly style financing where available. Which plans appear depends on the country you're booking from, since Atome runs on local terms across Southeast Asia and parts of Asia. A credit check applies to some plans, and longer tenures can carry an instalment rate, so review the terms shown at checkout before you confirm.
All of them on Laters.com. Atome sits at our checkout as a payment method, not something individual carriers switch on or off, so any flight you find and book through Laters.com can be paid this way where Atome is available in your country. We don't name specific airlines or a fixed count because the option follows the payment page, not the airline. A credit check and, on some plans, an instalment rate still apply regardless of which flight you book.
No. Laters.com adds no payment surcharge and no booking fee for choosing Atome, so the fare you see is the same fare you'd pay by card. Atome itself is not free money: Singapore's Pay in 6 carries a 3% one-time processing fee and Pay in 9 charges 0.75% per month, while Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Malaysia's longer Pay in 6/9/12 plans run at a 1.5% monthly instalment rate.
Your e-ticket is issued once Atome approves and confirms your payment plan at checkout on Laters.com. Approval isn't guaranteed, since Atome runs its own credit check on the application, and some plans carry an instalment rate on top of the fare. Once the plan is confirmed, the airline booking is ticketed the same way as any other payment method. If approval is delayed or declined, Laters.com will show you alternative payment options for the same fare.
It can involve one. Atome typically runs an eligibility and affordability check when you apply for a plan, and the type of check can vary by plan and by country, from Malaysia's Pay in 3 through to the longer Pay in 6, 9 or 12 month options. Approval is never guaranteed, and some of these longer plans carry a monthly instalment rate rather than being interest-free. Check how Atome's plans work for the specifics on eligibility before you book.
Missing a payment costs you. In Singapore, a missed instalment suspends your Atome account; Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Late or missed payments can also be reported to credit reference agencies.
Atome is available for flight bookings on Laters.com from Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, with Pay in 3 as the plan offered in each of these markets. Longer instalment plans such as Pay in 6, Pay in 9 and Pay in 12 are confirmed for Malaysia and Singapore, at rates that vary by tenure and market. The Philippines also allows Atome Card bills to be split into 3- or 6-month interest-bearing plans. Always confirm current country availability on Atome's own website before booking.
A longer plan usually fits better. For a bigger fare, Malaysia's Pay in 6, Pay in 9 or Pay in 12 spreads the cost further than Pay in 3, though it runs at a 1.5% per-month instalment rate rather than interest-free. Singapore's Pay in 9 carries a 0.75% monthly processing fee, while Pay in 6 there is a 3% one-time fee instead. Longer tenures mean smaller instalments but a higher total cost, so weigh that against just using Pay in 3 if the fare fits within its limits.
Not when you pay on time. Using a plan like Pay in 3 as intended generally has limited impact on your credit score, but that is not a guarantee. Missing a payment can affect your standing: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
A refund reduces or ends the remaining instalments, but the timing depends on Atome and the airline's refund process rather than being automatic on cancellation. Any instalments already paid, including one-off fees like Singapore's 3% Pay in 6 processing charge, are refunded according to Atome's own policy rather than by Laters.com directly. Until the refund is processed, scheduled payments may still be due, so keep an eye on your Atome account for updates. Contact Atome support if a refunded flight doesn't stop your instalment schedule promptly.
Yes. Atome's plans apply to the total fare you're charged, not to the route or number of stops, so a multi-stop or international itinerary is treated the same as a single direct flight. What determines which plans you see is the country you're booking from on Laters.com, not where the flight departs or lands. So a traveller booking from Malaysia sees Malaysia's Pay in 3 and longer 1.5% monthly plans, while one booking from Singapore sees Singapore's fee structure instead.
It can be. Pay in 3 is structured as three equal monthly interest-free instalments in markets like Malaysia and Singapore. The catch sits with missed payments: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Longer plans can carry a processing fee or monthly rate instead.
It depends on the fare and the plan's basket size in your market. Malaysia's Pay in 3 covers purchases from a minimum of RM100 up to RM5,099, which caps how much of a premium fare it can cover before you'd need a longer plan such as Pay in 6, 9 or 12. Those longer options run at a 1.5% monthly instalment rate in Malaysia, which suits a higher-value business class fare better than Pay in 3 alone. Check the exact basket limits on Atome's how-it-works page before booking a premium fare.
You'll need to sign up or log in to Atome at checkout to use it for a flight booking, since the plan and any credit check run through Atome's own app or account system rather than through Laters.com. New applicants go through Atome's eligibility check the same as returning users, and approval isn't guaranteed. Once your account is set up and a plan is approved, the flight is ticketed and future bookings can reuse the same account, subject to Atome's ongoing checks.
Repayments are tracked in Atome's own app or account portal, not through Laters.com, since Atome manages billing, due dates and fees. In Singapore, Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. In Malaysia, the app shows your plan and remaining instalment schedule.
On Laters.com, Atome is offered in the payment step for flight bookings where it appears at checkout, rather than being an airline-specific payment method. Choose your fare first, then confirm the Atome option, plan and total repayment amount before you book. Atome's Singapore payment guidance explains its checkout-based payment service.
For a Singapore Airlines fare on Laters.com, check the payment methods shown after selecting the itinerary. If Atome appears at that checkout, you can review the available Atome plan and its total cost before confirming; availability and eligibility can vary. See Atome Singapore for its current payment information.
For an AirAsia fare on Laters.com, select the itinerary and check whether Atome is presented in the payment step. Atome availability and eligibility are confirmed at checkout, so do not assume that an airline's own website offers the same option. See Atome Singapore for its current payment information.
Atome ist ein Buy-Now-Pay-Later-Anbieter für Asien, der in Singapur, Malaysia, Indonesien, Thailand, den Philippinen, Vietnam, Hongkong und mehreren anderen Märkten tätig ist. Das Flaggschiffprodukt ist der Pay-in-3-Plan, der deinen Flugtarif in drei monatliche Zahlungen aufteilt, wobei die erste normalerweise bei der Kasse fällig ist. Atome bietet auch längerfristige monatliche Finanzierung an, obwohl sich Laufzeiten und Bedingungen je nach Markt unterscheiden und hier nicht bestätigt werden. Als Kreditprodukt ist die Genehmigung nicht garantiert, und eine Bonitätsprüfung kann je nach deinem Land und Plan anfallen.
Auf Laters kannst du Flüge mehrerer Fluggesellschaften suchen und vergleichen und dann Atome an der Kasse auswählen, um die Kosten auf deinen gewählten Plan zu verteilen. Dein E-Ticket wird ausgestellt, sobald die Zahlung genehmigt und deine Buchung bestätigt ist.
Zum Reisen zu leihen ist eine echte finanzielle Verpflichtung. Überprüfe, ob der Rückzahlungsplan zu deinem Budget passt, bevor du einen Plan auswählst, und beachte, dass versäumte Zahlungen Konsequenzen haben können. Besuche die Website von Atome für aktuelle Bedingungen, Gebühren und Berechtigungskriterien in deinem Land.
Search your route on Laters.com, select Atome at checkout, and choose a plan before you confirm the booking. Pay in 3 splits the fare into three instalments and carries no interest when paid on time. Atome also offers longer plans like Pay in 6, 9 or 12 for travellers who want to spread a flight over more months. Those longer plans are interest-bearing and, like all Atome credit, subject to a credit check and approval before you're accepted. Once payment is approved, your e-ticket is issued and sent to your inbox, ready for the trip.
On this booking, Laters.com is the merchant selling the ticket and handling your itinerary. Atome is the payment method and credit provider here, not the seller of the flight. The price you see is the price you pay: Laters.com adds no card surcharge and no separate booking fee for choosing Atome over any other payment method. You don't need a credit card to book this way, since Atome settles the fare with the airline on your behalf once your plan is approved. Your repayment schedule, and any interest that applies to your chosen plan, is owed to Atome, not to Laters.com.
Laters.com verdient als Händler an dem Flugpreis, unabhängig davon, welche Zahlungsmethode Sie wählen; kein Zahlungsanbieter zahlt für die Platzierung auf dieser Seite.
Eine Flugbuchung und ein Rückzahlungsplan laufen nach unterschiedlichen Zeitplänen. Unser Leitfaden erklärt die praktischen Fragen, die Sie vor dem Aufteilen eines Flugpreises bedenken sollten.
Verantwortungsvolles Kreditverhalten bedeutet, sich nur zu Ratenzahlungen zu verpflichten, die Sie sich wirklich leisten können. Versäumte Zahlungen können zu Verzugsgebühren führen, können an Kreditauskunfteien gemeldet werden und können Ihre Kreditwürdigkeit und Ihre Fähigkeit, in Zukunft Kredite aufzunehmen, beeinträchtigen. Laters.com ist der neue Name für Fly Fairly; an Ihrer Buchung oder dem Support ändert sich nichts. Zuletzt überprüft vom Laters.com-Redaktionsteam am September 2026.
Echte Bewertungen von echten Kunden, die Flüge mit Laters.com gebucht haben.
Atome Flugangebote, Zahlungsaufschub-Promotionen und Flash-Sales direkt in Ihren Posteingang.
Die Angaben auf dieser Seite wurden zwischen und anhand dieser Quellen geprüft; Zahlen werden erneut geprüft, sobald ihre Quellen neue Daten veröffentlichen.
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