Laters.comLaters.comLaters.comLaters.com
    40+ airlines to San Francisco (SFO)✦BNPL at checkout✦Instant e-ticket deliverySan Francisco logo

    Flights to San Francisco— Search, Compare & Pay in Instalments

    ✓ 600+ airlines searched✓ 0% interest options✓ Instant e-ticket

    Scenic view of San Francisco, US

    Reviewed by the Laters.com editorial teamUpdated 29 June 2026

    BNPL at checkout

    Pay for Your San Francisco Flight in Instalments

    Affirm, Afterpay, and Klarna are all available at Laters.com checkout for flights to San Francisco. Approval takes seconds, your e-ticket arrives instantly, and you can split a cross-country or international fare into manageable monthly payments without touching your savings.

    Book flights across 650+ airlines and pay later, your way. Split the cost, pay in 4, or spread larger fares, with 40+ providers in a single checkout.

    San Francisco – BNPL providers

    San Francisco on Laters.com: key facts

    Airlines flying to San Francisco
    40+
    Airport
    SFO
    From Union Square · 29 km from the Golden Gate Bridge
    21 km
    Cheapest month to fly
    January
    Laters Destination Score
    6.7 / 10
    New York to San Francisco, direct
    5h 45m

    Score based on Laters booking data and editorial review.

    Affirm

    Pay in 3, 6, or 12 months

    Affirm lets you split your San Francisco fare into monthly payments over 3, 6, or 12 months. Rates range from 0% to 36% APR depending on your credit profile and the plan you choose. No hidden fees, no late surprises — you see the full cost before you confirm.

    Available in the United States

    Laters.com

    Book flights across 650+ airlines and pay later, your way. Split the cost, pay in 4, or spread larger fares, with 40+ providers in a single checkout.

    Follow

    Afterpay

    Pay in 4 interest-free

    Afterpay splits your SFO fare into four equal fortnightly payments, all interest-free. It works for travellers booking from the US, Australia, or Canada, and approval is near-instant at checkout. Your booking is confirmed and your e-ticket issued the moment the first payment clears.

    Available in the United States, Australia, Canada, UK

    Klarna

    Pay in 4 or monthly

    Klarna offers a pay-in-4 option for shorter-term splits or a monthly financing plan for larger transatlantic and transpacific fares into SFO. The soft credit check at approval won't affect your credit score. Widely accepted across North America and Europe, it's the most globally portable option on this list.

    Available in US, UK, Canada, Australia, and 20+ markets

    Zip

    Pay in 4 interest-free

    Zip divides your San Francisco flight cost into four equal fortnightly instalments with zero interest. It's a solid choice for US-based travellers who want a straightforward split without a long financing term. Approval is quick, and the e-ticket lands in your inbox immediately after the first payment.

    Available in the US and Australia

    40+ProvidersFly now pay later with 40+ providersSplit the cost, pay in 4, or spread larger fares, with 40+ providers in a single checkout.See all ways to pay→
    3 simple steps

    How to Book San Francisco Flights with BNPL

    From search to e-ticket in under three minutes.

    1. 1

      Search San Francisco flights

      Enter your origin city, select San Francisco (SFO) as destination, pick your travel dates and passenger count, and compare airlines side by side.

    2. 2

      Choose BNPL

      Select your pay-later provider on the payment screen and pick your instalment plan. Instant approval — no hard credit check for most plans.

    3. 3

      Fly now, pay later

      Your San Francisco e-ticket arrives in your inbox immediately. Your BNPL provider manages payments automatically. Pack your bags.

    Proprietary research

    Laters Destination Score — San Francisco

    Scored by our editorial team using booking data, traveller feedback, and independent research. No destination pays to be rated.

    San Francisco – destination score

    What is the Laters Destination Score?

    San Francisco · SFO · United States, scored out of 10 on 6 measures.

    1. 1Value for Money
    2. 2Flight Frequency
    3. 3BNPL Availability
    4. 4Airport Experience
    5. 5Visa Ease
    6. 6Destination Appeal

    Every destination we sell flights to is scored on the same 6 measures, so you can compare San Francisco with anywhere else before you choose where to go. Compare every destination →

    Score based on Laters booking data and editorial review, 2026. No destination pays to be rated.

    San Francisco, United States

    6.7/10

    Laters Destination Score

    Value for Money
    4
    Flight Frequency
    9
    BNPL Availability
    8
    Airport Experience
    7
    Visa Ease
    6
    Destination Appeal
    Price calendar

    When to Book Flights to San Francisco

    January through March is the sweet spot for cheap flights to San Francisco: demand drops after the holiday season, the city's famous fog rolls in, and fares on domestic and many international routes hit their annual lows. Summer is the most expensive period, driven by school holidays and tech-conference season, with July and August commanding the steepest premiums.

    San Francisco – when to book
    MonthPrice BandDemandTravel note
    JanuaryBudgetLowPost-holiday lull; Chinese New Year festivities start late month.
    FebruaryBudgetLowChinese New Year parade draws crowds; book flights early.
    MarchBudgetMediumSt. Patrick's Day parade; spring shoulder season begins.
    AprilMidMediumCherry blossoms in Japantown; mild and increasingly sunny.
    MayMidMediumBay to Breakers race; fares begin climbing toward summer.
    JunePeakHighPride Month and the iconic Pride Parade; book well ahead.
    JulyPeakHighFourth of July fireworks; peak summer demand, highest fares.
    AugustPeakHighFog season at its thickest; still the busiest travel month.
    Arrival guide

    San Francisco Airport — What You Need to Know

    San Francisco International Airport, IATA SFO · 21 km from Union Square · 29 km from the Golden Gate Bridge.

    SFO operates across four terminals — Terminal 1, 2, 3, and the International Terminal — connected airside by a train and landside by the free AirTrain loop. United Airlines dominates with its hub operations in Terminals 1 and 3, while international carriers concentrate in the International Terminal's Boarding Areas A and G. US Customs queues can be long on busy transatlantic and transpacific arrivals; budget at least 60-90 minutes for immigration if arriving internationally.

    San Francisco – airport guide
    TransportCost (approx)Duration
    BART (Bay Area Rapid Transit)USD 10-11 to downtown30 min to Powell St / Union Square
    Rideshare (Uber / Lyft)USD 35-55 to downtown25-50 min depending on traffic
    TaxiUSD 45-65 to downtown25-50 min depending on traffic

    Oakland International Airport

    Oakland International Airport, IATA OAK · 20 km from downtown Oakland · 35 km from Union Square, San Francisco.

    Oakland Airport is a practical alternative for budget travellers, served primarily by Southwest Airlines and a handful of domestic low-cost carriers. Getting into San Francisco from OAK requires a free shuttle to the BART Coliseum station, then a 30-minute BART ride across the bay. Factor in the extra transit leg when comparing fares — a USD 30 saving on the ticket can evaporate in cab fare.

    TransportCost (approx)Duration
    More than just the fare

    Split More Than Just the Fare to San Francisco

    Make every dollar of your San Francisco trip work harder with these add-ons.

    Seat Selection

    Available with all providers

    Lock in a window seat for bay-view approaches into SFO on long-haul flights.

    Extra Baggage

    Split across 3 or 4 payments

    San Francisco's shopping and markets make a spare checked bag worth it.

    Travel Insurance

    Available with Klarna, Affirm

    US medical costs are among the world's highest; coverage is non-negotiable here.

    Hotel Package

    Pay in instalments at checkout

    Bundle your Union Square or Mission District hotel with your SFO flight.

    Airport Transfer

    Available with Afterpay, Zip

    Pre-book a transfer from SFO to avoid surge-priced rideshares on arrival.

    Travel SIM

    Add at checkout, pay later

    A US data SIM keeps Google Maps running on those steep San Francisco hills.

    Popular routes

    Popular Flights to San Francisco

    The majority of travellers flying into SFO come from New York, Los Angeles, Seattle, and Chicago on domestic routes, with strong international traffic from London, Tokyo, and Sydney. Domestic fares are highly competitive thanks to multiple carriers on every major corridor.

    From North America

    →

    New YorktoSan Francisco

    United, Delta, American, JetBlue · 5h 45m · Direct

    From

    $45× 4

    Pay in 4, on a $179 fare

    →

    Los AngelestoSan Francisco

    United, Southwest, Alaska, Delta · 1h 20m · Direct

    From

    $30× 3

    Pay in 3, on a $89 fare

    →

    SeattletoSan Francisco

    Alaska Airlines, United, Southwest · 2h 30m · Direct

    From

    $36× 3

    Pay in 3, on a $109 fare

    Top carriers

    Airlines Flying to San Francisco

    Dozens of carriers compete for seats into SFO, keeping fares honest on most major corridors. These are the airlines that fly most frequently and offer the broadest choice of schedules and cabin classes.

    United Airlines

    Direct · Affirm · Klarna

    United's SFO hub means the most daily departures, widest route network, and strong Polaris business-class options on transpacific routes.

    Alaska Airlines

    Direct · Afterpay · Zip

    Alaska dominates West Coast routes, offering frequent SFO services from Seattle, Portland, and LA with a generous Mileage Plan loyalty program.

    Delta

    Direct · Affirm · Afterpay
    DE

    Delta operates high-frequency SFO services from New York JFK and Atlanta, with solid premium cabin options and reliable on-time performance.

    British Airways

    Direct · Klarna · Clearpay
    BA

    British Airways flies direct London Heathrow to SFO daily, making it the go-to choice for UK travellers wanting a non-stop transatlantic crossing.

    ANA (All Nippon Airways)

    Direct · Klarna · Affirm
    Explore more

    Other Destinations Near San Francisco

    Travellers who searched for San Francisco flights also compared fares to these popular North American and Pacific destinations.

    Los Angeles

    United States · from $69

    Hollywood, beaches, and year-round sunshine.

    Las Vegas

    United States · from $79

    The desert city that never dims its lights.

    Orlando

    United States · from $149

    Theme parks, sunshine, and family adventures.

    Atlanta

    United States · from $139

    The South's most forward-thinking city.

    Honolulu

    United States · from $259

    Pacific islands, surf, and volcanic drama.

    Vancouver

    Canada · from $189

    Mountains, ocean, and Canada's coolest food scene.

    Fares are estimates based on typical prices and may vary by date and availability.

    FAQ

    Frequently Asked Questions about Flights to San Francisco

    Everything you need to know before booking your San Francisco flight on Laters.

    01Which airlines fly direct to San Francisco (SFO)?

    United Airlines, Alaska Airlines, Delta, American Airlines, Southwest, British Airways, Virgin Atlantic, ANA, Japan Airlines, Qantas, Air China, and Aeroméxico are among the carriers operating direct services to SFO. United has the largest hub presence, with dozens of daily departures on domestic and international routes. You can compare all available direct and connecting options on Laters.com.

    02What is the cheapest month to fly to San Francisco?

    January is typically the cheapest month to fly to San Francisco, with average one-way domestic fares starting around USD 89 from major East Coast cities. February and early March also offer competitive pricing before spring demand picks up. Avoid June through August and the December holiday window, when fares can run 40-65% above the annual average.

    03Can I pay for flights to San Francisco in instalments on Laters.com?

    Yes. Laters.com supports Affirm, Afterpay, Klarna, and Zip at checkout for SFO flights. You choose your plan at the payment step, approval takes seconds, and your e-ticket is issued immediately — no waiting, no manual processing. Plans range from pay-in-4 interest-free options to longer monthly financing for larger fares.

    04Does using BNPL for flights affect my credit score?

    It depends on the provider. Afterpay and Zip typically use a soft check that doesn't affect your credit score. Affirm may perform a soft or hard inquiry depending on the plan length you select; they disclose this before you confirm. Klarna's pay-in-4 option uses a soft check. Always read the provider's terms at checkout for the most accurate information.

    Deal alerts

    Get San Francisco Flight Deals by Email

    Be first to hear about San Francisco flight deals, BNPL promotions, and flash sales from Laters. No spam, unsubscribe anytime.

    Pay in full

    • Pay with crypto
    • All ways to pay

    Fly now pay later

    • Klarna
    • Splitit
    • Afterpay
    • Tamara
    • PayPal
    • Grab PayLater
    • Clearpay
    • Affirm
    • Tabby
    • Zip
    • Atome
    • All fly now pay later providers

    Airlines

    • American Airlines
    • Frontier Airlines
    • Singapore Airlines

    © 2026 Laters.com. Formerly Fly Fairly. All rights reserved.

    Singapore Tourism Board licensed travel agentSingapore Travel Agent LicenceTA04059
    9

    Flying into SFO rewards those who plan ahead. Domestic fares from the East Coast and Midwest tend to be most competitive in January through March and again in September. Transatlantic routes from London and Frankfurt see their lowest prices in the same shoulder windows. The city suits curious, independent travellers who want culture, food, and walkable neighbourhoods rather than a beach or a theme park.

    What works well

    • Iconic scenery
    • World-class food
    • Strong BNPL coverage

    What to watch

    • Expensive city
    • ESTA required
    Forty-plus airlines fly into SFO, so there's no shortage of ways in, but nothing about the arrival is cheap: expect a cost-of-living index above 97 and mid-range daily costs of USD 146 once you land. The ESTA takes 72 hours to clear, so sort that before you even think about fares. What you're paying for is real: the Golden Gate Bridge, Alcatraz, the Mission's murals, sourdough at Boudin, cioppino at the Wharf. Affirm, Afterpay, Klarna and Zip are all sitting at checkout if you'd rather spread that cost than feel it all at once.
    Editorial snapshotLaters.com editorial team
    SeptemberMidMediumWarmest month of the year; fares ease after Labor Day.
    OctoberMidMediumHalloween in the Castro draws large crowds to the city.
    NovemberMidMediumThanksgiving week spikes fares; book domestic routes early.
    DecemberPeakHighGhirardelli Square tree lighting; holiday fares at a premium.

    Before you pick a month

    Cheapest month
    January — average fares around $89 one-way.
    Peak season warning
    June through August and December: fares typically rise 40-65% above the annual average. Book 10-14 weeks ahead.

    Fares are estimates based on typical prices and may vary by date and availability.

    BART (via OAK Connector shuttle)USD 11-12 to Powell St45-55 min total to Union Square
    Rideshare (Uber / Lyft)USD 50-75 to Union Square35-55 min depending on Bay Bridge traffic

    San Jose Mineta International Airport

    San Jose Mineta International Airport, IATA SJC · 80 km from Union Square, San Francisco · 20 km from downtown San Jose.

    SJC is the smallest of the three Bay Area airports and is most useful for travellers whose final destination is the South Bay or Silicon Valley rather than San Francisco itself. Southwest, Alaska, and United operate the most frequent services. Getting to central San Francisco from SJC typically requires a rideshare or rental car; the Caltrain connection involves a bus transfer and takes over 90 minutes.

    TransportCost (approx)Duration
    Rideshare (Uber / Lyft)USD 70-100 to Union Square50-75 min depending on traffic
    VTA Bus + CaltrainUSD 6-10 total90-110 min to San Francisco 4th & King

    Check-in tips

    • Enroll in Global Entry before you fly — it cuts US Customs time to under five minutes.
    • SFO's AirTrain is free between terminals; allow 15 minutes for connections.
    • International Terminal security lanes open early; arrive 3 hours before long-haul departures.

    Splitting the extras

    1. At Laters.com checkout you can split seat upgrades, extra baggage allowances, or lounge access passes into instalments alongside your fare — useful when a transatlantic or transpacific ticket to SFO already stretches the budget.
    →

    ChicagotoSan Francisco

    United, American, Southwest · 4h 15m · Direct

    From

    $37× 4

    Pay in 4, on a $149 fare

    →

    TorontotoSan Francisco

    Air Canada, United · 5h 30m · Direct

    From

    $78× 4

    Pay in 4, on a $310 fare

    →

    Mexico CitytoSan Francisco

    Aeroméxico, United · 4h 40m · Direct

    From

    $55× 4

    Pay in 4, on a $220 fare

    From Europe

    →

    LondontoSan Francisco

    United, British Airways, Virgin Atlantic · 10h 30m · Direct

    From

    $130× 4

    Pay in 4, on a $520 fare

    From East Asia

    →

    TokyotoSan Francisco

    ANA, Japan Airlines, United · 9h 15m · Direct

    From

    $170× 4

    Pay in 4, on a $680 fare

    From Oceania

    →

    SydneytoSan Francisco

    Qantas, United · 14h 30m · Direct

    From

    $223× 4

    Pay in 4, on a $890 fare

    Each figure leads with the instalment; the fare beside it is the whole fare that instalment splits. Fares are estimates based on typical prices and may vary by date and availability.

    ANA's Tokyo Haneda to SFO route is one of the best-rated transpacific services for cabin quality, meal standards, and punctuality.

    Aeroméxico

    Direct · Klarna · Affirm

    Aeroméxico links Mexico City and Guadalajara to SFO with competitive fares and solid Club Premier frequent-flyer earn rates.

    650+AirlinesAll airlinesBook flights across 650+ airlines and pay later, your way.Compare all airlines→
    05Do I need a visa to visit San Francisco from the UK or Australia?

    Citizens of the UK, Australia, and most Western European countries can enter the US under the Visa Waiver Program (VWP) without a full visa. You will need to apply for an ESTA (Electronic System for Travel Authorization) online before departure, which costs USD 21 and is valid for two years. Apply at least 72 hours before your flight. Travellers from countries not on the VWP list must apply for a US B-2 tourist visa; check the US Department of State website (travel.state.gov) for the current list.

    06How do I get from San Francisco Airport (SFO) to the city centre?

    The fastest and cheapest option is BART (Bay Area Rapid Transit), which departs directly from the SFO International Terminal station and reaches downtown Powell Street in about 30 minutes for around USD 10-11. Rideshares (Uber and Lyft) cost USD 35-55 and take 25-50 minutes depending on traffic. Taxis are available from the designated rank and cost roughly USD 45-65 to Union Square.

    07What is the best time of year to visit San Francisco?

    September and October are widely considered the best months to visit San Francisco. The famous fog retreats, temperatures are at their warmest (often 18-22°C), and summer crowds have thinned. Spring (April to May) is also pleasant, with mild weather and lower hotel rates than peak summer. If you're chasing low prices over perfect weather, January through March offers the best fares and a quieter city.

    08How long is the flight from London to San Francisco?

    Direct flights from London Heathrow to San Francisco International typically take around 10 hours 30 minutes westbound. The return leg (SFO to LHR) is generally shorter at around 9 hours 45 minutes due to favourable jet stream winds. British Airways, United Airlines, and Virgin Atlantic all operate non-stop services on this route.

    09When does my e-ticket arrive after booking on Laters.com?

    Your e-ticket is issued immediately after your first instalment payment is confirmed at checkout — regardless of whether you're paying in full or using a BNPL plan. You'll receive your booking confirmation and ticket details by email within minutes. If you don't see it, check your spam folder or contact Laters.com support.

    10Are there any hidden fees when booking flights on Laters.com?

    Laters.com displays the full fare breakdown — including taxes and carrier-imposed fees — before you confirm your booking. The BNPL interest or fee structure (if any) is disclosed by the provider during the approval step, before you commit. There are no Laters.com booking fees added on top of the fare.

  1. Delta Airlines
  2. Scoot
  3. All Airlines
  4. Destinations

    • Bali
    • Tokyo
    • Maldives
    • Dubai
    • Santorini
    • All destinations

    Company

    • About us
    • Is Laters.com legit?
    • Press
    • Blog

    • How it works
    • Manage booking

    Legal

    • Terms
    • Privacy

    Over a million travelers a year
    find flights on Laters.com

    Trustpilot
    4.8

    Laters.com is rated 4.8 out of 5 on Trustpilot and 4.8 out of 5 on Google from 99 Google reviews.

    Rated 4.8 on Google

    What Travellers Say

    Real reviews from real customers who booked flights with Laters.com.

    4.8/5 on Google Reviews