The most popular BNPL providers for North American travellers are available at Laters.com checkout for flights to New York. Approval is instant, your e-ticket arrives immediately, and you can split a transatlantic or cross-country fare into manageable instalments without touching your savings.
Available in the US, UK, Canada, Australia, and 20+ other markets
Klarna splits your New York fare into four equal payments, charged every two weeks with zero interest. Approval takes seconds at checkout and works on both domestic and international routes into JFK, LGA, or EWR. Your booking is confirmed and your e-ticket issued the moment the first instalment clears.
Available in the US, Australia, New Zealand, Canada, and the UK
Afterpay divides your New York flight cost into four fortnightly payments, all interest-free. It is a favourite among US and Australian travellers booking transatlantic or transpacific routes, and the soft credit check means most applicants are approved within moments. No hidden fees, no surprises at the gate.
Compare 50+ airlines to New York and split your fare with Klarna, Afterpay, or Affirm.
50+ airlines to New York (JFK) · BNPL at checkout · Instant e-ticket delivery
Available in the United States and Canada
Affirm is the go-to for US-based travellers who want longer repayment windows on pricier fares. Choose from 3, 6, 12, or up to 36 monthly instalments depending on the fare amount. Rates vary by plan, but the total cost is always shown upfront before you confirm, so there are no surprises.
Available in the US and Australia
Zip (formerly Quadpay in the US) splits your New York fare into four equal payments over six weeks. It works across domestic US routes as well as long-haul international bookings, making it a practical choice for travellers flying in from Sydney, London, or Los Angeles. A small account fee applies per instalment.
From search to e-ticket in under three minutes.
Enter your origin city, select New York (JFK) 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.
New York · JFK · US
Value for Money
5/10
Flight Frequency
9/10
BNPL Availability
8/10
Airport Experience
6/10
Visa Ease
7/10
Destination Appeal
9/10
Editorial snapshot
Flying to New York rewards the planner. Book domestic routes four to six weeks out for the best fares; international travellers should aim for eight to twelve weeks ahead, especially for summer and December. The sheer number of airlines means competition keeps prices honest on most corridors. It suits the culture obsessive, the business traveller, and anyone who wants a city that will outlast their itinerary by approximately forty years.
Score based on Laters booking data and editorial review, 2026
January and February offer the lowest fares into New York, with many international carriers discounting heavily after the holiday rush. Summer (June to August) brings peak demand and prices to match. December is the most expensive month of the year, driven by holiday travel and the city's famous Christmas atmosphere.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Post-holiday lull; cold but uncrowded museums and galleries. |
| February | Budget | Low | Cheapest month overall; Fashion Week drives brief mid-month spike. |
| March | Mid | Medium | Spring break lifts demand; book early for school-holiday weeks. |
| April | Mid | Medium | Cherry blossoms in Central Park; pleasant temperatures for walking. |
| May | Mid | Medium | Memorial Day weekend pushes fares up toward month end. |
| June | Peak | High | Summer season begins; Pride Month draws large international crowds. |
| July | Peak | High | Hottest and busiest month; Independence Day fares spike sharply. |
| August | Peak | High | Peak summer; humidity high but outdoor events plentiful. |
| September | Mid | Medium | US Open tennis; shoulder season begins after Labor Day weekend. |
| October | Mid | Medium | Fall foliage in Central Park; comfortable temperatures for sightseeing. |
| November | Mid | Medium | Thanksgiving week is the busiest domestic travel period of the year. |
| December | Peak | High | Holiday lights and Rockefeller Center tree; most expensive month to fly. |
Cheapest month
February — average fares around $280 one-way
Peak season warning
June to August and December: fares typically rise 40-65% above the annual average. Book 10-14 weeks ahead for peak periods.
Fares are estimates based on typical prices and may vary by date and availability.
IATA: JFK · 25 km from Midtown Manhattan · 18 km from Downtown Brooklyn
JFK is New York's primary international gateway, with six active terminals handling carriers from every major world region. Terminal 4 is the largest and busiest, home to Delta's international operations and many overseas airlines. Immigration queues can be lengthy during peak hours, so build at least 90 minutes into your connection time if transiting.
| Transport | Cost (approx) | Duration |
|---|---|---|
| AirTrain + Subway (E/J/Z) | USD 10-11 total | 50-70 min to Midtown |
| Shared ride shuttle | USD 20-30 per person | 45-75 min depending on traffic |
| Yellow taxi / rideshare | USD 55-85 flat rate to Manhattan | 35-60 min, longer in rush hour |
IATA: LGA · 13 km from Midtown Manhattan · 8 km from Astoria, Queens
LaGuardia serves primarily domestic US destinations and a handful of Canadian routes, with Delta and American Airlines dominating the schedule. The recently rebuilt Terminal B is genuinely impressive, though Terminal C and D remain older. There is no rail link, so ground transport times are entirely at the mercy of New York traffic.
| Transport | Cost (approx) | Duration |
|---|---|---|
| M60 Select Bus + Subway | USD 2.90 (subway fare) | 40-60 min to Midtown |
| Rideshare (Uber/Lyft) | USD 25-50 depending on surge | 20-45 min to Midtown |
| NYC Express Bus Q70 | USD 2.90 | 10-15 min to Jackson Heights subway |
IATA: EWR · 24 km from Midtown Manhattan · 26 km from Downtown Manhattan
Newark is United Airlines' major East Coast hub and also handles a solid roster of international carriers. Technically in New Jersey, it is well-connected to Manhattan via the AirTrain and NJ Transit rail link. Terminal C is United's home and the most modern of the three terminals; Terminals A and B are older but functional.
| Transport | Cost (approx) | Duration |
|---|---|---|
| AirTrain + NJ Transit to Penn Station | USD 15-17 total | 35-50 min to Midtown |
| Shared ride shuttle | USD 25-35 per person | 40-70 min depending on traffic |
| Yellow taxi / rideshare | USD 60-90 to Midtown Manhattan | 30-55 min, longer in peak hours |
Check-in tips
At Laters.com checkout you can split seat upgrades, lounge access passes, or extra baggage allowances into instalments alongside your fare, using Klarna, Afterpay, or Affirm. No need to pay for the extras upfront.
Make every dollar of your New York trip work harder with these add-ons, split into instalments.
Secure a window seat for your first view of the Manhattan skyline on approach.
Available with Klarna and AffirmNew York shopping is serious; add a checked bag before you leave home.
Available with all providersUS medical costs are among the world's highest; cover yourself before you fly.
Split across 3 paymentsBundle your Manhattan hotel with your flight and spread the total cost.
Available with Klarna and ZipPre-book a private transfer from JFK and skip the taxi queue on arrival.
Available with AfterpayStay connected across all five boroughs from the moment you land.
Available with all providersMost travellers flying to New York arrive via JFK or EWR from major European, Asian, and Latin American hubs, while domestic US passengers use all three airports. London, Los Angeles, and Toronto are consistently among the busiest origin cities.
London to New York
British Airways, Virgin Atlantic, American Airlines · 7h 30m · Direct
Pay in 3 from $140/instalmentLos Angeles to New York
Delta, American Airlines, JetBlue Airways · 5h 30m · Direct
Pay in 3 from $67/instalmentToronto to New York
Air Canada, Porter Airlines, American Airlines · 1h 30m · Direct
Pay in 3 from $60/instalmentParis to New York
Air France, Delta, Norse Atlantic Airways · 8h 15m · Direct
Pay in 3 from $127/instalmentDubai to New York
Emirates · 14h 10m · Direct
Pay in 4 from $163/instalmentTokyo to New York
Japan Airlines, ANA, Delta · 14h 0m · Direct
Pay in 4 from $180/instalmentMexico City to New York
Aeroméxico, American Airlines · 4h 50m · Direct
Pay in 3 from $93/instalmentSydney to New York
Qantas, American Airlines · 21h 0m · Via Los Angeles
Pay in 4 from $245/instalmentFrankfurt to New York
Lufthansa, United Airlines · 9h 0m · Direct
Pay in 3 from $150/instalmentFares are estimates based on typical prices and may vary by date and availability.
New York's three airports attract a remarkable breadth of carriers, from full-service flag carriers to low-cost transatlantic options. These are the airlines that most consistently offer competitive fares and reliable service on routes into the city.
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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 New York flight on Laters.
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