25+ airlines to Toronto (YTO)BNPL at checkoutInstant e-ticket deliveryFlag of Canada

Flights to Toronto: Search, Compare and Pay in Installments

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

Scenic view of Toronto, CA
Where from?Add a city
Where to?TorontoAll airports
WhenOut – Back
Who1, Economy

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

Trustpilot
Google4.7/ 5 on Google

Reviewed by the Laters.com editorial teamUpdated

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
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

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. 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. 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. 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
Cyan cartoon hand making a peace sign with black outline sticker style illustration

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.

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
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.
SeptemberPeakHighTIFF 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.

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)Free5 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.
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

$53× 3

Pay in 3, on a $160 fare

Los AngelestoToronto

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

From

$93× 3

Pay in 3, on a $280 fare

ChicagotoToronto

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

From

$50× 3

Pay in 3, on a $150 fare

VancouvertoToronto

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

From

$67× 3

Pay in 3, on a $200 fare

MiamitoToronto

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

From

$70× 3

Pay in 3, on a $210 fare

Mexico CitytoToronto

Aeroméxico, Air Canada · 4h 30m · Direct

From

$78× 4

Pay in 4, on a $310 fare

From Europe

LondontoToronto

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

From

$105× 4

Pay in 4, on a $420 fare

ParistoToronto

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

From

$113× 4

Pay in 4, on a $450 fare

FrankfurttoToronto

Lufthansa, Air Canada · 9h 15m · Direct

From

$123× 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.

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

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

Air France

Direct · Klarna · Affirm

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
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.

Rated 4.7 on Google

What Travellers Say

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

4.7/5 on Google Reviews

FAQ

Frequently Asked Questions about Flights to Toronto

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

Which 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.

What 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.

Can 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.

Does 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.

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.

How 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.

What 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.

How 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.

How 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.

Which airlines fly from Canada with pay-later options?

WestJet is one of the airlines you can book with flexible payment on Laters.com. See our WestJet flights guide for routes and BNPL eligibility.

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