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Search and compare fares on Laters.com, then split the cost of your flight into payments with Affirm, a credit product subject to approval.
Yes. Book through Laters.com and Affirm works across every airline, every route, and every fare class we list, because the checkout runs through us, not the carrier. There's no payment surcharge and no booking fee for choosing Affirm. It's still a credit product: some plans carry interest, and approval depends on a credit check. Check how it works at Laters.com before you commit to a schedule.
Most airlines never added Affirm to their own checkout. Delta, United, American, British Airways, Qantas and Air Canada don't offer Affirm directly on their sites. Book the same flights through Laters.com instead, and Affirm shows up as a payment option regardless of which of those carriers you're flying, because the split happens at our checkout, not theirs.
Pay in 4 and the longer monthly financing plan are both available, though which one you see depends on your market, and financing terms vary by country. Every application is subject to approval after a credit check, and Affirm is only open to travellers aged 18 and over. Read the terms for your plan before you book, since a late fee may apply if a payment is missed.
Figures as published by Affirm, verified against Affirm’s country terms.
Affirm's flight financing has taken root in North America, with the US as its home market and Canada also covered under its own set of lending terms. Coverage extends across the Atlantic to the UK, where a regulated financing option is offered, and reaches into Oceania through Australia. Availability and which plans appear at checkout still varies by market, so travellers should confirm details on the Laters.comcomparison before booking. 3 markets offer interest-free instalments. 4 markets offer longer monthly financing.
Payment options provided by Affirm's lending partners (affirm.com/lenders). Your rate will be 0-36% APR based on credit, subject to eligibility check. Affirm Pay in 4 is 0% APR. A down payment may be required. Affirm, Inc., NMLS ID 1883087. California residents: loans made or arranged pursuant to California Financing Law license 60DBO-111681.
Plans as published by Affirm for United States (US), verified .
Payment options through Affirm Canada Holdings Ltd. Your rate will be 0-31.99% APR (where available and subject to provincial regulatory limitations), based on creditworthiness and subject to an eligibility check. Not all customers eligible for 0% APR. Options may not be available in all provinces/territories. A down payment may be required.
Plans as published by Affirm for Canada (CA), verified .
Affirm U.K. Limited provides consumer credit products and is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 756087.
Plans as published by Affirm for United Kingdom (GB), verified .
Plans as published by Affirm for Australia (AU), verified .
Affirm markets its short-term instalment option as Pay in 4 in the US and Canada, alongside monthly financing. The UK market carries only the monthly financing option, run through Affirm's FCA-authorised UK entity, with no Pay in 4 published there. Australia lists both plans. Limits, rates and eligibility checks differ by country and are confirmed by Affirm at checkout; see Laters.com for the latest details, or visit affirm.com directly.
Affirm isn't available everywhere, and its plans won't fit every traveller. That doesn't mean the door closes on paying for a flight over time.
Klarna splits a fare into smaller instalments or longer financing, and it tends to be strongest where shoppers want flexible timing on short-haul and long-haul bookings alike; some plans carry interest and a credit check.
Widely used across Europe and North America.
Afterpay is built around a straightforward four-instalment structure and is strongest for travellers who want a fixed, short repayment schedule rather than long-term financing, though a credit check still applies.
Popular across Australia and the US.
Zip's core plan spreads the cost into fixed instalments and holds up well for travellers who want predictable payments on top of every airline we sell, with eligibility and interest terms subject to a credit check.
Established in Australia and expanding through North America.
PayPal's Pay Later options range from short instalment plans to longer financing, and it tends to suit travellers already holding a PayPal balance or account, with interest and credit checks applying to some plans.
Broad reach across North America and Europe.
Tabby's instalment plan is aimed at splitting a fare into manageable chunks and is strongest for travellers booking within its home markets, where a credit check and any applicable fees still apply.
Focused on the Middle East market.
Sezzle offers a fixed four-payment structure that suits travellers who want a short, predictable schedule rather than monthly financing, and approval still depends on a credit check.
Mainly used across North America.
Affirm splits a fare a few ways: four fortnightly payments, or a monthly plan stretched across a longer term. Some plans carry interest and a credit check applies before you're approved, so what you owe depends on the plan and your creditworthiness. Full terms sit on Laters.com and on Affirm's own how-it-works page.
$500
Good for travellers who want to spread a fare into four fortnightly chunks; this plan is interest-free, though a down payment and a credit check may apply. Interest-free. A down payment may be required.
Suits longer trips or pricier bookings you'd rather pay off monthly; this plan can carry interest based on your credit, and a credit check is required. APR based on creditworthiness and eligibility check; not all customers eligible for 0% APR. US sample: 12 monthly payments at 15% APR. Canada rate subject to provincial limits.
Best for travellers who'd rather settle the fare outright at checkout using a stored card, with no repayment schedule to manage. Pay in full immediately with stored cards and buyer protection.
You repay Affirm directly on the schedule you choose. The airline gets paid in full at booking, so your e-ticket is issued no matter which plan you pick.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all provider scores →
This score draws on Affirm's published plan terms and APR ranges, its stated eligibility and credit-check criteria for each market, and independent research into traveller feedback. No brand pays Laters.com for its rating or placement. Last reviewed August 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Affirm splits into two real shapes: a 0% Pay in 4 for smaller fares and monthly financing that runs up to 36% APR in the US depending on credit. That range is the story here. Approval is checked upfront and a down payment can be required, so the fare you're quoted may not be the fare you get.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Pay in 4 covers short-term splitting, monthly financing stretches over several months, plus pay in full. Three shapes, but no basket minimums or maximums are published, so fit for a given fare isn't guaranteed.
Interest Rate8/10
Pay in 4 runs at 0% APR, but financing spans 0-36% APR in the US and 0-31.99% APR in Canada, and Affirm states not all customers qualify for the 0% tier.
Eligibility7/10
Covers four markets (US, Canada, UK, Australia) across three regions, but the UK only carries the financing plan, not Pay in 4, per the supplied country data.
Approval Process7/10
Every plan runs an eligibility check, financing rates depend on creditworthiness, and a down payment may be required on Pay in 4, which can hold up ticketing at checkout.
This table prices the same flight fare across each Affirm plan side by side. The fare itself doesn't change with how you pay: Laters.com adds no booking fee or surcharge for choosing a payment plan over paying upfront.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 40% APR | $250.00 | $250.00 every 2 weeks, 3 times | $1,000.00 | Nothing |
| Monthly payments0-36% APR (US); 0-31.99% APR (Canada) | Nothing | Set at approval | Set at approval | Set at approval |
| Pay in FullNot a credit product | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
Treat the figures above as an illustration, not a quote. What Affirm actually offers depends on your market, your fare, and the outcome of its eligibility check. Every provider on Laters.com is run through the same worked example so you can compare them fairly.
The same 4 steps apply on every airline and every route on Laters.com.
Search flights across every airline we sell on Laters and compare fares side by side to find the trip you want.
At checkout, select Affirm and choose "Pay with Affirm" to get its decision, which follows a credit check and is not guaranteed.
Pay over time on the plan you pick at checkout, whether that's the Pay in 4 schedule or a monthly financing option with an APR.
Once payment is confirmed, your e-ticket is issued. See how it works at Laters.com before you fly now and pay later.
Booking an Affirm flight shouldn't mean settling for whatever one airline happens to offer. Here's what sets Laters.com apart.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Affirm built into checkout on all 650+ airlines | ✓ | Very few |
| The same Affirm plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Affirm | ✓ | ✕ |
| Official Affirm partner | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Affirm | ✓ | Varies |
Laters.com gives you more ways to pay, from Affirm's plans to cards and crypto, and lets you compare BNPL terms across every airline we sell in one search. Check current rates and eligibility at Affirm before you book, since a credit check and possible interest apply.
Affirm can split the fare on any route we sell it for, from a short domestic hop to a long-haul transfer, and the bigger the fare, the more a plan reshapes what you actually pay today rather than at booking.
Delta Airlines, JetBlue Airways
From
US$833
Pay in 4 · Sampled Feb 2026
American Airlines
From
US$310
Pay in 4 · Sampled Feb 2026
American Airlines
From
US$223
Pay in 4 · Sampled Oct 2025
American Airlines
From
US$324
Pay in 4 · Sampled Dec 2025
American Airlines
From
US$333
Pay in 4 · Sampled Nov 2025
American Airlines
From
US$144
Pay in 4 · Sampled Nov 2025
American Airlines
From
US$273
Pay in 4 · Sampled Dec 2025
American Airlines
From
US$320
Pay in 4 · Sampled Dec 2025
Each fare is the lowest we have seen on that route, shown in the currency it was found in. Fares are indicative and change with date and availability. Affirm settles in its supported currencies at checkout, which may differ from the currency shown here.
Everything you need to know about paying for flights with Affirm on Laters.com.
Yes, Affirm is available at checkout as a payment option for flights booked through Laters.com. You can choose Pay in 4, spread the fare over monthly payments, or pay in full, depending on what Affirm approves for your order. Eligibility depends on a credit check and the fare amount, so approval is not guaranteed for every traveller. Confirm current terms at Laters.com or on affirm.com before booking.
Your e-ticket is issued once Affirm approves your payment plan and the booking is confirmed with the airline. Approval on Pay in 4 or monthly financing typically comes back within the checkout flow itself, but timing can vary based on the credit check Affirm runs. If Affirm needs more information to verify your application, ticketing may take longer. Always check your booking confirmation email and Affirm account to make sure the ticket has been issued.
Yes, Affirm performs an eligibility check when you apply for Pay in 4 or monthly financing, and your approval and rate depend on your creditworthiness. Monthly financing carries an APR of 0-36% in the US and 0-31.99% in Canada based on this check, while Pay in 4 is 0% APR but a down payment may still be required. A credit check can appear on your credit file, and missed payments afterward may affect your credit standing and lead to fees. Review the full terms at affirm.com before applying.
Missing a payment on an Affirm plan can affect your credit standing and may result in additional fees, depending on the specific loan terms attached to your plan. Affirm's monthly financing plans are based on a credit check, so a missed payment is treated like missed credit repayment and can be reported accordingly. It's worth contacting Affirm directly if you think you'll miss a due date, since terms vary by loan. Check your loan agreement or affirm.com for the exact consequences that apply to your plan.
For a costly fare, Affirm's monthly financing plan is generally built to spread larger purchases over several months rather than just a few weeks. It carries an APR of 0-36% in the US or 0-31.99% in Canada based on your creditworthiness, so the total cost depends on the rate you're offered after the eligibility check. Pay in 4 remains interest-free but splits the cost over a shorter two-week cadence, which means larger fares mean larger individual instalments. Compare the total repayment amount for each option on affirm.com before choosing.
Affirm currently supports flight payments in the US, Canada, the UK, and Australia, though the plans on offer differ by market. In the US and Canada you can choose Pay in 4 or monthly financing, in the UK only monthly financing is offered, and in Australia both Pay in 4 and financing are available. Availability and specific plan terms can change, so confirm what's offered in your country on affirm.com or at Laters.com before booking.
Affirm doesn't restrict its plans by cabin class in the facts available, so premium and business-class fares can potentially be financed the same way as economy tickets, subject to approval. Because these fares are typically larger, monthly financing with its 0-36% (US) or 0-31.99% (Canada) APR range may be the more realistic option than the shorter Pay in 4 plan. Approval still depends on Affirm's eligibility check and your creditworthiness. Check affirm.com for guidance on how larger transaction amounts are assessed.
If your flight is cancelled or refunded, the airline or Laters.com processes the refund according to the fare rules, and Affirm applies that refund to your outstanding loan balance. Any payments you've already made are typically credited back through Affirm rather than paid to you directly if a balance remains, though exact handling depends on how much of the loan you've repaid. Because financing plans involve interest or fees depending on your rate, a partial refund may not eliminate everything you owe. Contact Affirm support or check affirm.com for how a specific cancellation will be handled.
It can. Affirm's monthly financing plans involve a credit check when you apply, and how that appears on your credit file depends on Affirm's reporting practices and the lender involved. Consistent, on-time payments are generally neutral to positive, but a missed payment can affect your credit standing and may include fees. Pay in 4 is interest-free but still may involve an eligibility check, so treat any Affirm plan as a credit product with real consequences. See affirm.com for details on how Affirm reports to credit bureaus.
Pay in 4 is described as interest-free, splitting your fare into four payments made every two weeks. That said, a down payment may still be required at checkout, and approval depends on an eligibility check rather than being guaranteed. Interest-free doesn't mean cost-free in every case, since some plans on Affirm still carry fees depending on your specific agreement. Always read the terms shown at checkout or on affirm.com so you know exactly what you'll owe and when.
Airline miles and loyalty points are earned through the airline's own frequent flyer program based on your ticket purchase, not through the payment method itself, so paying with Affirm generally doesn't block you from earning miles on an eligible fare. What Affirm plan you choose, whether Pay in 4 or monthly financing, doesn't change how the airline calculates your miles. It's worth checking the specific airline's loyalty terms, since some fare classes earn differently regardless of payment method. Confirm mileage-earning fare details with the airline or through Laters.com when booking.
Affirm operates as a regulated lender, working through lending partners in the US, Affirm Canada Holdings Ltd. in Canada, and Affirm U.K. Limited, which is authorised and regulated by the Financial Conduct Authority in the UK. Because Affirm underwrites your application, it collects the financial information needed to run a credit check and approve your plan. As with any credit product, you're sharing personal and financial details as part of the application process, so only apply through official checkout flows on Laters.com or affirm.com. Review Affirm's privacy policy on affirm.com for full details on how your data is handled.
Affirm can generally be applied to discounted or sale fares the same way it's applied to standard-priced tickets, since the plan is based on the total transaction amount at checkout rather than the fare type. Whether you're approved, and for which plan, still depends on Affirm's eligibility check and the total price of the booking. A down payment may still be required even on a sale fare if you choose Pay in 4. Confirm that Affirm appears as a payment option for the specific fare you're booking on Laters.com.
No, you can typically apply for an Affirm plan directly during checkout without a prior account, since Affirm evaluates each application through its eligibility check at the point of purchase. You'll need to provide personal and financial information for that check, and approval isn't guaranteed. Once approved, Affirm sets up your account and loan agreement for you to manage repayments. You can review how account setup works at affirm.com, including its how-it-works guide such as Laters.com.
Once your Affirm plan is set up, you can track upcoming instalments, due dates, and remaining balance through your Affirm account or app. This applies whether you're on the interest-free Pay in 4 plan or a monthly financing plan with an APR based on your creditworthiness. Staying on top of the schedule matters, since a missed payment can affect your credit standing and may carry fees. Log into affirm.com directly to see your current payment status.
Changing or cancelling a flight follows the airline's own fare rules and any change or cancellation fees the airline charges, separate from your Affirm loan agreement. If you receive a refund or credit from the airline, it gets applied toward your outstanding Affirm balance rather than cancelling your repayment obligation outright. Because monthly financing plans can carry an APR of 0-36% (US) or 0-31.99% (Canada), any interest already accrued may still apply depending on how much of the loan is repaid. Check the fare conditions on Laters.com and your Affirm loan terms on affirm.com before requesting a change.
Real travellers who booked flights with Affirm share what the checkout actually felt like, from approval to e-ticket. See how it worked for them, and check Laters.com for full plan terms.
Affirm is a US-based fintech that built its name on letting people pay for purchases over time instead of all at once, and it has grown into one of the more recognisable names in the pay-later space across North America, the UK and Australia. It works with retailers and travel sellers to offer instalment plans at checkout, ranging from short pay-in-4 splits to longer monthly financing, rather than a single one-size-fits-all product. It doesn't cover every airline, but it's built to work with every airline we sell here, so the flight you want is generally the flight you can split. Affirm reports that a plan choice will not affect your credit score in the way a missed payment might, but the details of how approval and reporting work shift by market and by plan. For the current terms, plan availability, and how Affirm assesses applications, its own site is the best source: Laters.com. As with any credit product, the sensible approach is to borrow only what you're confident you can repay on the agreed schedule. You can find more information on Affirm's Help Center.
Booking a flight with Affirm on Laters.com works the way any flight search does, right up until payment. Search and pick your flight, and at checkout you'll see Affirm listed among the payment options. Choose it, and Affirm will run an eligibility check before showing you which plans you qualify for, whether that's a Pay in 4 split or a longer monthly financing plan, each carrying its own terms and, for some plans, an APR. Laters.com doesn't add a payment surcharge or a booking fee for choosing Affirm over paying in full. Once Affirm approves the plan, your e-ticket is issued and sent to you, and from that point your repayments go directly to Affirm on the schedule you agreed, not to Laters.com.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
Four questions sit behind the Affirm button at any airline checkout. Our full guide answers them.
Regulatory summaries are general and change over time; they are not legal advice, so confirm current requirements with the relevant regulator or a qualified adviser.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Visit Affirm’s own terms for current terms, eligibility criteria and country-specific plan availability. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in August 2026.
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