Klarna, Afterpay, and Affirm are all available at Laters.com checkout for flights to Chicago. Choose your plan, get approved in seconds, and your e-ticket lands in your inbox immediately. Split a Chicago fare into manageable instalments without touching your savings.
Available in the US, UK, Canada, Australia, and 20+ markets
Klarna splits your Chicago fare into four equal payments, charged every two weeks — zero interest, no hidden fees. Approval takes seconds at checkout, and your booking is confirmed instantly. A solid choice whether you're flying from New York, London, or Sydney.
Available in the US, Australia, New Zealand, Canada, UK
Afterpay divides your fare into four fortnightly payments — the first is due at booking, the rest follow automatically. No interest charges apply as long as you pay on time. Popular with US-based travellers booking domestic connections into O'Hare.
Compare 30+ airlines to Chicago and split your fare with Klarna, Afterpay, or Affirm.
30+ airlines to Chicago (ORD) · BNPL at checkout · Instant e-ticket delivery
Available in the United States and Canada
Affirm offers flexible monthly payment plans ranging from 3 to 36 months, making it well-suited for pricier transatlantic or transpacific fares into Chicago O'Hare. Interest rates vary by creditworthiness, so you'll see your exact terms before committing. No late fees and no surprises.
Available in the United States and Canada
Sezzle splits your Chicago flight into four interest-free payments over six weeks, with the first instalment due at checkout. It's a straightforward option for North American travellers who want to spread the cost without a credit check impacting their score. Confirmation is instant.
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Scored by our editorial team using booking data, traveller feedback, and independent research. No destination pays to be rated.
Chicago · ORD · US
Value for Money
7/10
Flight Frequency
9/10
BNPL Availability
8/10
Airport Experience
6/10
Visa Ease
7/10
Destination Appeal
7/10
Editorial snapshot
Flying to Chicago rewards the traveller who books early and stays flexible. Domestic fares from the East Coast are often under $120, while transatlantic routes from London or Frankfurt tend to be competitive in shoulder season. O'Hare suits frequent flyers who know its quirks; Midway is the smarter choice for budget carriers. Best suited to city-break enthusiasts, architecture obsessives, and anyone who takes food seriously.
Score based on Laters booking data and editorial review, 2026
August and September are Chicago's sweet spot: warm lake breezes, the city's best outdoor festivals, and fares that haven't yet hit holiday-season peaks. January and February are the cheapest months to fly, but the wind chill off Lake Michigan is not a metaphor. Book 6–8 weeks ahead for the best domestic fares; 10–14 weeks for international routes.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Coldest month; polar vortex possible, but fares are lowest. |
| February | Budget | Low | Valentine's weekend spikes city hotel rates slightly. |
| March | Mid | Medium | St. Patrick's Day dyeing of the Chicago River draws crowds. |
| April | Mid | Medium | Spring arrives late; weather unpredictable but pleasant. |
| May | Mid | Medium | Craft beer and food festivals begin; good value window. |
| June | Peak | High | Chicago Blues Festival draws large crowds to Grant Park. |
| July | Peak | High | Lollapalooza and summer tourism push fares to annual highs. |
| August | Peak | High | Best weather; book 10+ weeks ahead for reasonable fares. |
| September | Mid | High | Air and Water Show; shoulder season begins late month. |
| October | Mid | Medium | Fall foliage along the lakefront; pleasant temperatures. |
| November | Peak | High | Thanksgiving week is the single most expensive travel period. |
| December | Peak | High | Christkindlmarket and holiday travel keep fares elevated. |
Cheapest month
January — average fares around $89 one-way
Peak season warning
July, Thanksgiving week, and late December: fares typically rise 50–70% above average. Book 10–14 weeks ahead.
Fares are estimates based on typical prices and may vary by date and availability.
IATA: ORD · 27 km from the Loop · 32 km from Navy Pier
O'Hare is one of the world's busiest airports, with four passenger terminals handling everything from United's transatlantic hub to American's domestic network and international carriers from Lufthansa to Air China. Terminal 5 handles most international arrivals and has its own customs hall — factor in 45–75 minutes for immigration on busy days. The underground neon-lit walkway connecting Terminals 1, 2, and 3 is genuinely worth slowing down for.
| Transport | Cost (approx) | Duration |
|---|---|---|
| CTA Blue Line (El train) | USD 5 | 45 min to downtown Loop |
| Metered taxi / rideshare | USD 35–55 | 30–60 min depending on traffic |
| GO Airport Express shuttle | USD 35–40 per person | 45–75 min to city hotels |
IATA: MDW · 13 km from the Loop · 10 km from Wicker Park
Midway is Southwest Airlines' Chicago stronghold, handling the bulk of budget domestic traffic along with some Frontier and Spirit services. The terminal is compact and significantly easier to navigate than O'Hare, with shorter security lines on most days. No international customs hall here — all arrivals are domestic or pre-cleared.
| Transport | Cost (approx) | Duration |
|---|---|---|
| CTA Orange Line (El train) | USD 5 | 30 min to downtown Loop |
| Metered taxi / rideshare | USD 20–35 | 20–40 min to the Loop |
| Pace bus | USD 2 | 45–60 min to Midway CTA station |
Check-in tips
At Laters.com checkout you can split the cost of seat upgrades, extra baggage, and lounge access passes for O'Hare into instalments using Klarna, Afterpay, or Affirm — all confirmed instantly alongside your ticket.
Make your Chicago trip work harder by splitting every extra at checkout.
Lock in a window seat for the approach over Lake Michigan's shoreline.
Available with Klarna and AfterpayChicago's winters demand coats; extra baggage allowance keeps your packing honest.
Split with Affirm or SezzleO'Hare weather delays are real — travel insurance covers cancellations and missed connections.
Available with all providersBundle a Loop hotel with your fare and pay for both in instalments.
Split across 4 paymentsPre-book a transfer from O'Hare to your hotel and skip the taxi queue entirely.
Available with KlarnaA US data SIM keeps Google Maps running on the CTA without roaming charges.
Add at checkoutChicago O'Hare is a true hub airport — travellers arrive from New York, Los Angeles, London, Toronto, and Tokyo, among dozens of other cities. Most major US metros have multiple daily direct options, while international routes tend to cluster around United's global network.
New York to Chicago
American, United, Delta · 2h 30m · Direct
Pay in 3 from $37/instalmentLos Angeles to Chicago
United, American, Delta · 4h 10m · Direct
Pay in 3 from $43/instalmentLondon to Chicago
United, British Airways, American · 9h 20m · Direct
Pay in 4 from $120/instalmentToronto to Chicago
Air Canada, United, American · 1h 40m · Direct
Pay in 3 from $50/instalmentTokyo to Chicago
ANA, United, Japan Airlines · 13h 30m · Direct
Pay in 4 from $180/instalmentFrankfurt to Chicago
Lufthansa, United · 9h 45m · Direct
Pay in 4 from $128/instalmentMexico City to Chicago
Aeroméxico, United, American · 4h 00m · Direct
Pay in 3 from $73/instalmentMiami to Chicago
American, United, Spirit · 3h 10m · Direct
Pay in 3 from $38/instalmentFares are estimates based on typical prices and may vary by date and availability.
Chicago O'Hare is co-dominated by United and American Airlines, which together account for the majority of seats. Beyond the big two, a strong spread of international and budget carriers rounds out the options for every type of traveller.
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Fares are estimates based on typical prices and may vary by date and availability.
Everything you need to know before booking your Chicago flight on Laters.
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