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 — no waiting, no awkward phone calls.
Available in the United States and Canada
Affirm splits your Toronto fare into equal monthly payments with fixed interest rates disclosed upfront — no hidden fees, 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, Canada, Australia, New Zealand, UK
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.
Compare 25+ airlines to Toronto and split your fare with Affirm, Afterpay, or Klarna.
25+ airlines to Toronto (YTO) · BNPL at checkout · Instant e-ticket delivery
Available in the US, Canada, UK, and across Europe
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 — spreading the cost makes the trip genuinely more manageable. Approval is near-instant at checkout.
Available in the United States and Canada
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.
From search to e-ticket in under three minutes.
Enter your origin city, select Toronto (YTO) as destination, pick your travel dates and passenger count, and compare airlines side by side.
Scored by our editorial team using booking data, traveller feedback, and independent research. No destination pays to be rated.
Toronto · YTO · CA
Value for Money
6.5/10
Flight Frequency
8.5/10
BNPL Availability
8/10
Airport Experience
7.5/10
Visa Ease
8/10
Destination Appeal
7.5/10
Editorial snapshot
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.
Score based on Laters booking data and editorial review, 2026
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.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Post-holiday lull; best fares of the year available. |
| February | Budget | Low | Cold but quiet; great for museum-heavy city trips. |
| March | Mid | Medium | Spring break pushes demand up from US cities. |
| April | Mid | Medium | Pleasant weather; cherry blossoms in High Park. |
| May | Mid | Medium | Warming up; good value before summer peaks. |
| June | Peak | High | Pride Toronto draws large crowds; book early. |
| July | Peak | High | Peak summer; highest fares and fullest hotels. |
| August | Peak | High | Canadian National Exhibition runs all month. |
| September | Peak | High | TIFF sends accommodation and fares soaring. |
| October | Mid | Medium | Fall colours; fares ease after TIFF wraps. |
| November | Mid | Medium | Shoulder season; good deals before holidays. |
| December | Peak | High | Holiday travel and winter festivals spike prices. |
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.
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.
| Transport | Cost (approx) | Duration |
|---|---|---|
| UP Express Train | CAD 12.35 one-way | 25 min to Union Station |
| Taxi / Rideshare | CAD 50–70 estimated | 30–50 min to downtown, traffic-dependent |
| TTC Bus (Route 900) | CAD 3.30 with Presto card | 45–60 min to Kipling subway station |
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 — you can be out and in a taxi within 15 minutes of landing.
| Transport | Cost (approx) | Duration |
|---|---|---|
| Pedestrian Tunnel (free shuttle) | Free | 5 min to mainland, then 10 min walk to downtown |
| Taxi / Rideshare | CAD 15–25 to downtown | 10–20 min to downtown core |
| Ferry (to mainland) | Free | 2 min crossing, then connect to streetcar or taxi |
Check-in tips
At Laters.com checkout you can split seat upgrades, extra baggage allowance, or lounge access passes into instalments alongside your Toronto fare — useful for longer transatlantic routes where the extras add up fast.
Make the most of your Toronto trip by spreading the extras across easy instalments.
Lock in a window seat for skyline views on approach to Pearson.
Available with Affirm and AfterpayPack winter layers or summer gear without the gate-day baggage panic.
Split across 3 or 4 paymentsCanada's healthcare costs make travel insurance a genuinely smart call.
Available with KlarnaBundle a downtown Toronto hotel and pay across multiple instalments.
Available with Affirm and KlarnaPre-book a transfer from Pearson and skip the taxi queue on arrival.
Available with AfterpayStay connected across Toronto's sprawling neighbourhoods from day one.
Available with SezzleMost 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.
New York to Toronto
Air Canada, Porter Airlines, American Airlines, Delta · 1h 20m · Direct
Pay in 3 from $53/instalmentLondon to Toronto
Air Canada, British Airways, Air Transat · 8h 10m · Direct
Pay in 4 from $105/instalmentLos Angeles to Toronto
Air Canada, WestJet, American Airlines · 4h 55m · Direct
Pay in 3 from $93/instalmentChicago to Toronto
Air Canada, United Airlines, American Airlines · 1h 30m · Direct
Pay in 3 from $50/instalmentParis to Toronto
Air France, Air Transat, Air Canada · 8h 30m · Direct
Pay in 4 from $113/instalmentVancouver to Toronto
Air Canada, WestJet, Flair Airlines · 4h 40m · Direct
Pay in 3 from $67/instalmentMiami to Toronto
Air Canada, American Airlines · 3h 05m · Direct
Pay in 3 from $70/instalmentFrankfurt to Toronto
Lufthansa, Air Canada · 9h 15m · Direct
Pay in 4 from $123/instalmentMexico City to Toronto
Aeroméxico, Air Canada · 4h 30m · Direct
Pay in 4 from $78/instalmentFares are estimates based on typical prices and may vary by date and availability.
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.
These destinations are popular with travellers who also searched for Toronto flights on Laters.com.
Canada
French flair, North American pace.
Fares are estimates based on typical prices and may vary by date and availability.
Everything you need to know before booking your Toronto flight on Laters.
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