Klarna, Afterpay, and Affirm are available at Laters.com checkout for flights to the United States. Approval is instant, your e-ticket arrives the moment you confirm, and you can split a transatlantic or transpacific fare into manageable instalments without touching your savings account.
Available in the US, UK, Australia, Canada, and across Europe
Klarna splits your US flight fare into four equal fortnightly payments, with zero interest charged. It works on routes from London, Sydney, Toronto, and dozens of other cities. Approval takes seconds at checkout, and your booking confirmation lands in your inbox immediately.
Available in the US, Australia, New Zealand, Canada, and the UK
Afterpay divides your fare into four fortnightly payments, interest-free, with the first instalment due at booking. It is a strong option for travellers flying from Australia or New Zealand to the US West Coast, where fares can run high. No long-form credit check required.
Compare 35+ airlines to United States of America and split your fare with Klarna, Afterpay, or Affirm.
35+ airlines to United States of America (US) · BNPL at checkout · Instant e-ticket delivery
Available in the United States and Canada
Affirm offers monthly payment plans ranging from 3 to 36 months, making it ideal for pricier transcontinental or international fares into US hubs. Interest rates vary by plan and creditworthiness, so check your rate at checkout before confirming. Approval is soft-credit-check only.
Available in the US and Australia
Zip splits your fare into four equal payments spread over six weeks, with no interest if you pay on time. It suits travellers flying from Australia to Los Angeles or New York who want a straightforward split-payment option without a lengthy application. Your e-ticket is issued at booking.
From search to e-ticket in under three minutes.
Enter your origin city, select United States of America (US) 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.
United States of America · US · US
Value for Money
6.5/10
Flight Frequency
9/10
BNPL Availability
8.5/10
Airport Experience
6/10
Visa Ease
7/10
Destination Appeal
8.5/10
Editorial snapshot
Flying to the US rewards the organised traveller. Fares from Europe and Asia-Pacific drop meaningfully in January and February, while summer and the December holiday window push prices up sharply. The domestic network is vast, so build connection time into itineraries. BNPL works best when you lock in fares early and spread the cost over the months before you travel.
Score based on Laters booking data and editorial review, 2026
January and February are the sweet spot for US-bound fares: demand drops after the holiday rush and airlines discount heavily to fill seats. Summer, Thanksgiving week, and the Christmas-New Year window are the worst times to buy. Spring and autumn offer the best balance of price and weather across most US regions.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Post-holiday lull; excellent fares, quieter airports and attractions. |
| February | Budget | Low | Cheapest month overall; book 4-6 weeks ahead for best fares. |
| March | Mid | Medium | Spring break drives demand; prices rise mid-month. |
| April | Mid | Medium | Comfortable weather in most regions; moderate fares. |
| May | Mid | Medium | Memorial Day weekend spikes prices at month's end. |
| June | Peak | High | School holidays begin; fares climb 30-50% above average. |
| July | Peak | High | Independence Day and peak summer; book 10-12 weeks ahead. |
| August | Peak | High | Busiest travel month; last-minute fares are punishing. |
| September | Mid | Medium | Crowds thin after Labor Day; good value window opens. |
| October | Mid | Medium | Fall foliage peaks in New England; popular and fairly priced. |
| November | Peak | High | Thanksgiving week is the single most congested travel period. |
| December | Peak | High | Christmas and New Year fares rival summer peaks; plan early. |
Cheapest month
February — average fares around $380 one-way
Peak season warning
June-August and Thanksgiving-New Year: fares rise 35-55% above average. Book 10-14 weeks ahead.
Fares are estimates based on typical prices and may vary by date and availability.
IATA: JFK · 25 km from Midtown Manhattan · 20 km from Brooklyn
JFK handles the bulk of long-haul international traffic into New York, with six terminals served by over 90 airlines including American, Delta, JetBlue, British Airways, and Emirates. Customs and Border Protection queues can be lengthy during peak hours, so add at least 90 minutes to your post-landing timeline. Terminal 4 is the primary international arrivals hall and has been significantly upgraded in recent years.
| Transport | Cost (approx) | Duration |
|---|---|---|
| AirTrain + Subway (E/J/Z) | USD 8.75 (AirTrain) + USD 2.90 (subway) | 50-75 min to Midtown Manhattan |
| Yellow taxi (metered flat rate) | USD 70 flat rate to Manhattan | 35-60 min depending on traffic |
| Rideshare (Uber/Lyft) | USD 45-80 depending on surge | 35-70 min to Midtown |
IATA: LAX · 27 km from Downtown LA · 10 km from Santa Monica
LAX is the primary gateway for flights from Asia-Pacific and is the second-busiest airport in the US by passenger volume. Nine terminals are arranged in a horseshoe layout; international arrivals use the Tom Bradley International Terminal (TBIT). Congestion around the airport is notorious, so factor in significant ground transport time, particularly during evening rush hours.
| Transport | Cost (approx) | Duration |
|---|---|---|
| FlyAway Bus to Union Station | USD 9.75 per person | 30-50 min to Downtown LA |
| Rideshare (Uber/Lyft) from designated lot | USD 30-60 to central LA | 25-60 min depending on traffic |
| Taxi (metered) | USD 45-80 to central LA | 30-60 min |
IATA: ORD · 27 km from the Loop (Downtown Chicago)
O'Hare is one of the world's busiest hub airports and a major connection point for both domestic and international travel. United and American Airlines dominate operations here, with strong European connections via Lufthansa, British Airways, and others. Terminal 5 handles all international arrivals; allow time for connections as the terminals are spread across a large campus.
| Transport | Cost (approx) | Duration |
|---|---|---|
| CTA Blue Line train | USD 2.50 | 45 min to the Loop |
| Taxi (metered) | USD 40-55 to Downtown Chicago | 25-50 min depending on traffic |
| Rideshare (Uber/Lyft) | USD 30-55 to central Chicago | 25-50 min |
Check-in tips
At Laters.com checkout, you can split seat upgrades, extra baggage allowances, and lounge access passes into instalments alongside your fare. Klarna and Afterpay both cover these add-ons, so the full cost of your trip can be spread across payments.
Your US fare is just the start — split these extras too.
Choose a window seat for your first Grand Canyon flyover approach into Phoenix.
Available with Klarna and AfterpayRoad-tripping the US means souvenirs — add a checked bag before you fly.
Split across 4 paymentsUS medical costs are among the world's highest — cover is non-negotiable here.
Available with all providersBundle a New York or LA hotel with your fare and spread the total cost.
Klarna and Affirm acceptedPre-book a transfer from JFK or LAX to skip the taxi queue on arrival.
Available with AfterpayA US SIM keeps you connected from immigration to your first In-N-Out.
Add at checkoutThe majority of international travellers to the US fly into New York (JFK), Los Angeles (LAX), or Chicago (ORD). Long-haul routes from London, Sydney, Tokyo, and Toronto dominate booking volumes, with domestic connections fanning out from there.
London to United States of America
British Airways, Virgin Atlantic, American Airlines, Delta · 9h 15m · Direct
Pay in 4 from $130/instalmentSydney to United States of America
Qantas, United Airlines, American Airlines · 21h 30m · Via Los Angeles
Pay in 4 from $220/instalmentToronto to United States of America
Air Transat, American Airlines, United Airlines · 1h 30m · Direct
Pay in 3 from $60/instalmentTokyo to United States of America
Japan Airlines, ANA, United Airlines, Delta · 12h 00m · Direct
Pay in 4 from $180/instalmentMexico City to United States of America
Aeroméxico, American Airlines, United Airlines · 3h 45m · Direct
Pay in 3 from $73/instalmentSeoul to United States of America
Korean Air, Asiana Airlines, United Airlines · 11h 30m · Direct
Pay in 4 from $170/instalmentFrankfurt to United States of America
Lufthansa, United Airlines, American Airlines · 9h 30m · Direct
Pay in 4 from $123/instalmentSão Paulo to United States of America
LATAM Airlines, American Airlines, Delta · 10h 00m · Direct
Pay in 4 from $140/instalmentFares are estimates based on typical prices and may vary by date and availability.
Dozens of carriers connect the world to the United States, but a handful dominate the long-haul and transatlantic routes that most international travellers take. These are the airlines most frequently booked on Laters.com for US-bound flights.
Travellers who search for US flights on Laters.com frequently also consider these destinations in the Americas and beyond.
Mexico
Tacos, murals, and altitude.
Fares are estimates based on typical prices and may vary by date and availability.
Everything you need to know before booking your United States of America flight on Laters.
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