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    Flights to Toronto— Search, Compare & Pay in Instalments

    âś“ 600+ airlines searchedâś“ 0% interest optionsâś“ Instant e-ticket

    Scenic view of Toronto, CA

    Reviewed by the Laters.com editorial teamUpdated 10 August 2026

    BNPL at checkout

    Pay for Your Toronto Flight in Instalments

    Affirm, Afterpay, Klarna, and Sezzle are all available at Laters.com checkout for flights to Toronto. Approval takes seconds, your instalment schedule is locked in at booking, and your e-ticket lands in your inbox the moment the payment goes through, with no waiting and no awkward phone calls.

    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.

    Toronto – BNPL providers

    Toronto on Laters.com: key facts

    Airlines flying to Toronto
    25+
    Airport
    YTO
    From downtown Toronto · 18 km from Mississauga city centre
    27 km
    Cheapest month to fly
    January
    Laters Destination Score
    7.3 / 10
    New York to Toronto, direct
    1h 20m

    Score based on Laters booking data and editorial review.

    Affirm

    Pay in 3, 6, or 12 months

    Affirm splits your Toronto fare into equal monthly payments with fixed interest rates disclosed upfront, so there are no hidden fees and no deferred interest surprises. For a typical New York to Toronto fare of around USD 180, a 3-month plan works out to roughly USD 60 per instalment. Approval is instant and a soft credit check means your score stays untouched.

    Available in the United States and Canada

    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 divides your Toronto flight into four equal fortnightly payments, completely interest-free as long as you pay on time. On a USD 200 fare from Chicago, that is four payments of USD 50 spread over six weeks. There is no hard credit check, and your e-ticket is issued the moment your first instalment clears.

    Available in the United States, Canada, Australia, New Zealand, UK

    Klarna

    Pay in 3 interest-free

    Klarna's Pay in 3 option splits your Toronto fare into three equal payments taken over 60 days, with zero interest and no fees if paid on schedule. It works particularly well for travellers booking transatlantic routes where fares can run USD 400–600, and spreading the cost makes the trip genuinely more manageable. Approval is near-instant at checkout.

    Available in the US, Canada, UK, and across Europe

    Sezzle

    Pay in 4 interest-free

    Sezzle splits your fare into four interest-free payments over six weeks, with the first instalment due at checkout. It is a solid option for Canadian travellers booking domestic routes into Toronto from Vancouver or Calgary, where fares typically sit in the CAD 150–300 range. Rescheduling a payment once per order is free if your timing shifts.

    Available in the United States and Canada

    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 Toronto Flights with BNPL

    From search to e-ticket in under three minutes.

    1. 1

      Search Toronto flights

      Enter your origin city, select Toronto (YTO) 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 Toronto e-ticket arrives in your inbox immediately. Your BNPL provider manages payments automatically. Pack your bags.

    Proprietary research

    Laters Destination Score: Toronto

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

    Toronto – destination score

    What is the Laters Destination Score?

    Toronto · YTO · Canada, 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 Toronto 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.

    Toronto, Canada

    7.3/10

    Laters Destination Score

    Value for Money
    6.5
    Flight Frequency
    8.5
    BNPL Availability
    8
    Airport Experience
    7.5
    Visa Ease
    8
    Destination Appeal
    7.5
    Price calendar

    When to Book Flights to Toronto

    January and February are the sweet spot for budget fares to Toronto: demand craters after the holidays and carriers compete hard for the seats. July and August are peak season, driven by summer tourism and major festivals. September spikes again around the Toronto International Film Festival, so book that window at least eight weeks out.

    Toronto – when to book
    MonthPrice BandDemandTravel note
    JanuaryBudgetLowPost-holiday lull; best fares of the year available.
    FebruaryBudgetLowCold but quiet; great for museum-heavy city trips.
    MarchMidMediumSpring break pushes demand up from US cities.
    AprilMidMediumPleasant weather; cherry blossoms in High Park.
    MayMidMediumWarming up; good value before summer peaks.
    JunePeakHighPride Toronto draws large crowds; book early.
    JulyPeakHighPeak summer; highest fares and fullest hotels.
    AugustPeakHighCanadian National Exhibition runs all month.
    September
    Arrival guide

    What to Know About Toronto Airport

    Toronto Pearson International Airport, IATA YYZ · 27 km from downtown Toronto · 18 km from Mississauga city centre.

    Pearson is Canada's largest and busiest airport, operating across two terminals: Terminal 1 handles Air Canada and Star Alliance partners, while Terminal 3 serves most other carriers including WestJet and US airlines. International arrivals clear customs in the CBSA hall before connecting to ground transport. The airport is large but well-signposted, and the UP Express train platform sits directly below Terminal 1's arrivals level.

    Toronto – airport guide
    TransportCost (approx)Duration
    UP Express TrainCAD 12.35 one-way25 min to Union Station
    Taxi / RideshareCAD 50–70 estimated30–50 min to downtown, traffic-dependent
    TTC Bus (Route 900)CAD 3.30 with Presto card45–60 min to Kipling subway station

    Billy Bishop Toronto City Airport

    Billy Bishop Toronto City Airport, IATA YTZ · 3 km from downtown Toronto · 10 km from Midtown.

    Billy Bishop sits on the Toronto Islands, connected to the mainland by a short pedestrian tunnel and a ferry. Porter Airlines operates most flights here, making it the go-to for travellers arriving from Montreal, Ottawa, or New York. The terminal is small, modern, and refreshingly uncongested compared to Pearson, so you can be out and in a taxi within 15 minutes of landing.

    TransportCost (approx)Duration
    Pedestrian Tunnel (free shuttle)
    More than just the fare

    Split More Than Just the Fare to Toronto

    Make the most of your Toronto trip by spreading the extras across easy instalments.

    Seat Selection

    Available with Affirm and Afterpay

    Lock in a window seat for skyline views on approach to Pearson.

    Extra Baggage

    Split across 3 or 4 payments

    Pack winter layers or summer gear without the gate-day baggage panic.

    Travel Insurance

    Available with Klarna

    Canada's healthcare costs make travel insurance a genuinely smart call.

    Hotel Package

    Available with Affirm and Klarna

    Bundle a downtown Toronto hotel and pay across multiple instalments.

    Airport Transfer

    Available with Afterpay

    Pre-book a transfer from Pearson and skip the taxi queue on arrival.

    Travel SIM

    Available with Sezzle

    Stay connected across Toronto's sprawling neighbourhoods from day one.

    Popular routes

    Popular Flights to Toronto

    Most travellers flying to Toronto come from major US cities along the eastern seaboard, with strong transatlantic traffic from London, Paris, and Frankfurt. Domestic routes from Vancouver and Calgary are among the highest-volume corridors in Canadian aviation.

    From North America

    →

    New YorktoToronto

    Air Canada, Porter Airlines, American Airlines, Delta · 1h 20m · Direct

    From

    $53Ă— 3

    Pay in 3, on a $160 fare

    →

    Los AngelestoToronto

    Air Canada, WestJet, American Airlines · 4h 55m · Direct

    From

    $93Ă— 3

    Pay in 3, on a $280 fare

    →

    ChicagotoToronto

    Air Canada, United Airlines, American Airlines · 1h 30m · Direct

    From

    $50Ă— 3

    Pay in 3, on a $150 fare

    Top carriers

    Airlines Flying to Toronto

    Toronto Pearson is served by a deep roster of international and domestic carriers. These are the airlines most frequently chosen by Laters.com travellers booking flights into YYZ.

    Air Transat

    Direct · Affirm · Afterpay

    Canada's leisure specialist flies direct from London, Paris, and other European cities at competitive fares, ideal for transatlantic travellers.

    Porter Airlines

    Direct · Affirm · Klarna

    Flies into Billy Bishop City Airport, putting you three kilometres from downtown: the most convenient arrival experience in Toronto by some distance.

    United Airlines

    Direct · Affirm · Afterpay

    Strong US network with multiple daily departures from Newark, Chicago, and Houston direct to Toronto Pearson.

    American Airlines

    Direct · Affirm · Klarna
    AA

    Connects Toronto to New York JFK, Miami, Dallas, and Philadelphia with reliable frequency and competitive fares year-round.

    Air France

    Direct · Klarna · Affirm
    Explore more

    Other Destinations Near Toronto

    These destinations are popular with travellers who also searched for Toronto flights on Laters.com.

    New York City

    United States · from $120

    The city that never stops comparing itself.

    Montreal

    Canada · from $90

    French flair, North American pace.

    Chicago

    United States · from $130

    Deep dish, deep culture, deep winter.

    Orlando

    United States · from $180

    Theme parks and year-round sunshine.

    Atlanta

    United States · from $160

    Southern food, serious music scene.

    Vancouver

    Canada · from $200

    Mountains, ocean, and very good coffee.

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

    FAQ

    Frequently Asked Questions about Flights to Toronto

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

    01Which airlines fly direct to Toronto?

    Air Canada, Porter Airlines, WestJet, United Airlines, American Airlines, Delta, and Air Transat all operate direct flights to Toronto Pearson International Airport (YYZ). British Airways and Air France offer direct transatlantic service from London and Paris respectively. You can compare all available routes and fares on Laters.com.

    02What is the cheapest month to fly to Toronto?

    January and February typically offer the lowest fares to Toronto, with average one-way prices noticeably lower than summer peaks. Demand drops sharply after the holiday season, making mid-winter an ideal window for budget-conscious travellers. Booking 6–8 weeks in advance during this period generally locks in the best rates.

    03Can I use BNPL to book flights to Toronto on Laters.com?

    Yes. Laters.com supports Affirm, Afterpay, Klarna, and Sezzle at checkout for Toronto flights. You select your plan, get an instant approval decision, and receive your e-ticket immediately, with no waiting and no paperwork. Your instalment schedule is fixed at booking so there are no surprise charges later.

    04Does using BNPL affect my credit score?

    This depends on the provider. Affirm may perform a soft credit check that does not affect your score. Afterpay and Klarna typically do not perform hard credit checks for standard instalment plans. Always check the provider's terms before completing your booking.

    Deal alerts

    Get Toronto Flight Deals by Email

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

    Pay in full

    • Pay with crypto
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    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

    Flying into Toronto rewards the planner who books 6–8 weeks ahead: fares from US East Coast cities routinely dip under USD 150 in the off-peak window, and transatlantic deals from London can be found below USD 400 in January. The city suits travellers who want a genuinely cosmopolitan experience: serious food, serious film, and a waterfront that actually delivers on the postcard promise.

    What works well

    • Strong BNPL coverage
    • World-class food
    • Easy US access

    What to watch

    • Pricey in summer
    • Book early Sep
    Pearson runs across two terminals, and the UP Express sits right below Terminal 1's arrivals level, so the trip downtown is quicker than the airport's size suggests. Four instalment providers cover the North American routes, which matters when a New York fare at USD 160 or a Los Angeles one at USD 280 still adds up over a long weekend. US citizens skip the visa question entirely, everyone else just needs an eTA. Just don't sleepwalk into September without a booking; TIFF fills the city and the fares to match.
    Editorial snapshotLaters.com editorial team
    Peak
    High
    TIFF sends accommodation and fares soaring.
    OctoberMidMediumFall colours; fares ease after TIFF wraps.
    NovemberMidMediumShoulder season; good deals before holidays.
    DecemberPeakHighHoliday travel and winter festivals spike prices.

    Before you pick a month

    Cheapest month
    January — average fares around $130 one-way.
    Peak season warning
    July–September and December: fares typically rise 40–65% above average. Book 8–10 weeks ahead.

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

    Free
    5 min to mainland, then 10 min walk to downtown
    Taxi / RideshareCAD 15–25 to downtown10–20 min to downtown core
    Ferry (to mainland)Free2 min crossing, then connect to streetcar or taxi

    Check-in tips

    • Use the UP Express to avoid unpredictable highway traffic to Pearson.
    • Terminal 1 and Terminal 3 at Pearson are not connected airside; confirm your terminal before arriving.
    • Billy Bishop has no luggage storage; arrange hotel check-in before heading out.

    Splitting the extras

    1. At Laters.com checkout you can split seat upgrades, extra baggage allowance, or lounge access passes into instalments alongside your Toronto fare, which is useful for longer transatlantic routes where the extras add up fast.
    →

    VancouvertoToronto

    Air Canada, WestJet, Flair Airlines · 4h 40m · Direct

    From

    $67Ă— 3

    Pay in 3, on a $200 fare

    →

    MiamitoToronto

    Air Canada, American Airlines · 3h 05m · Direct

    From

    $70Ă— 3

    Pay in 3, on a $210 fare

    →

    Mexico CitytoToronto

    Aeroméxico, Air Canada · 4h 30m · Direct

    From

    $78Ă— 4

    Pay in 4, on a $310 fare

    From Europe

    →

    LondontoToronto

    Air Canada, British Airways, Air Transat · 8h 10m · Direct

    From

    $105Ă— 4

    Pay in 4, on a $420 fare

    →

    ParistoToronto

    Air France, Air Transat, Air Canada · 8h 30m · Direct

    From

    $113Ă— 4

    Pay in 4, on a $450 fare

    →

    FrankfurttoToronto

    Lufthansa, Air Canada · 9h 15m · Direct

    From

    $123Ă— 4

    Pay in 4, on a $490 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.

    Direct Paris CDG to Toronto Pearson service, with a premium cabin worth considering on a nine-hour crossing.

    Lufthansa

    Direct · Klarna · Affirm

    Frankfurt to Toronto direct, with solid onward connections across Europe making it a strong choice for continental European travellers.

    650+AirlinesAll airlinesBook flights across 650+ airlines and pay later, your way.Compare all airlines→
    05
    Do I need a visa to visit Canada?

    Citizens of many countries, including the US, UK, EU member states, and Australia, do not need a visa to visit Canada for short stays, though most international visitors require an Electronic Travel Authorization (eTA) before boarding. US citizens and permanent residents are exempt from the eTA. Always verify the latest entry requirements at the official Government of Canada immigration website before travelling.

    06How do I get from Toronto Pearson Airport to the city centre?

    The Union Pearson Express (UP Express) train runs directly from Pearson Airport (YYZ) to Union Station in downtown Toronto in approximately 25 minutes, costing around CAD 12.35 one-way. Taxis and rideshares typically take 30–50 minutes depending on traffic and cost CAD 50–70. The TTC bus (Route 900 Airport Express) offers a budget option connecting to the subway network.

    07What is the best time of year to visit Toronto?

    July, August, and September are widely considered the best months to visit Toronto. Summer brings warm temperatures, the Toronto International Film Festival in September, Pride Toronto in June, and the Canadian National Exhibition in August. Spring (April–May) is pleasant and less crowded, though fares start climbing from late March.

    08How long is the flight to Toronto from major US cities?

    From New York, the flight to Toronto is typically around 1 hour 20 minutes. From Chicago it is about 1 hour 30 minutes, from Los Angeles approximately 5 hours, and from Miami around 3 hours. Many US routes offer direct service, making Toronto one of the more accessible international destinations from the eastern seaboard.

    09How quickly will I receive my e-ticket after booking on Laters.com?

    Your e-ticket is issued immediately after your booking is confirmed on Laters.com, regardless of which payment method you use. BNPL approval is processed in real time, so there is no delay between completing checkout and receiving your booking confirmation by email.

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