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Singapore Travel Agent LicenceTA04059Search and compare fares on Laters.com, then split your flight cost into biweekly or monthly payments with PayPal credit.
Yes. Book any airline, any route, any fare class on Laters.com and you can check out with PayPal, no matter how that airline handles payment on its own site. There's no payment surcharge and no booking fee for choosing it. PayPal is a credit option here, not free money: some plans carry interest, a credit check may apply, and what you owe is still due on a schedule. Information on PayPal
Plenty of airlines simply don't offer PayPal at checkout. Try booking directly with Ryanair, Spirit, easyJet, Southwest, or Norwegian and you won't find it as an option. Book the same flight through Laters.com, though, and PayPal sits right there at checkout, because the payment method belongs to our booking flow, not to each airline's own site.
Depending on where you live, you may see pay-in-4 style instalments, longer monthly financing plans, or a revolving credit line, with availability varying by market. All are subject to approval, a credit check may apply, and some plans carry interest, so read the terms before you commit. You must be 18 or older to use PayPal's pay-later options, and it's worth borrowing only what you can comfortably repay.
Figures as published by PayPal, verified against PayPal’s country terms.
PayPal's split-pay options for flights reach travellers across North America, with Pay in 4 and longer Pay Monthly financing rooted in the US market. Coverage extends into Oceania, where Australia gets its own Pay in 4 structure, and into the UK and parts of Europe. Availability, and which plan shows up, shifts by region, so check the grid below for your market 3 markets offer interest-free instalments. 1 market offers longer monthly financing.
Pay in 4 is interest-free with no late fees; soft credit check may apply. Pay Monthly is an interest-bearing loan with fixed APR 9.99%–35.99% and is not available in AK, CT, HI, WA. PayPal Credit is a revolving line of credit.
Plans as published by PayPal for United States (US), verified .
Pay in 4: up to A$1,999.99, 25% upfront plus three fortnightly interest-free instalments; no late fees or sign-up fees; soft credit check may apply.
Plans as published by PayPal for Australia (AU), verified .
In the UK, PayPal Pay in 3 is regulated by the FCA as Deferred Payment Credit.
Plans as published by PayPal for United Kingdom (GB), verified .
PayPal generally calls its short-term split option "Pay in 4", the label used in the US and Australia. The UK is the exception on this list: it runs on Pay in 3 instead, regulated there as Deferred Payment Credit. Basket limits, interest rates and fees differ by country and plan, and PayPal shows the exact terms at checkout before you confirm.
PayPal is not always the right fit, whether that is down to where you live or how you shop, and Laters.com keeps other Buy Now Pay Later providers on hand so you can still spread the cost of your flight.
Klarna splits a fare into interest-free instalments or defers the full balance for a short window, though a credit check applies and late payments can be reported.
Strongest across Europe and North America, where it sits alongside PayPal as a mainstream checkout option.
Afterpay's core plan divides the fare into four fortnightly payments, similar in shape to PayPal's own Pay in 4, but approval still runs on a credit check and missed payments can trigger fees.
Strongest in the US and Australia, the same markets where PayPal's Pay in 4 is popular.
Zip offers a short instalment plan for smaller fares and a larger financing option for pricier bookings, with interest or fees possible depending on the plan and a credit check at signup.
Strongest in Australia and North America, useful where a traveller wants a plan sized closer to PayPal's Pay Monthly than its Pay in 4.
Affirm spreads a flight over fixed monthly payments rather than a handful of biweekly instalments, and its plans can carry interest depending on the term and the traveller's credit.
Strongest in the US, where it plays a role closer to PayPal's Pay Monthly plan than to Pay in 4.
Sezzle breaks a fare into four instalments over a matter of weeks, a structure close to PayPal's Pay in 4, and approval still depends on a credit check with fees possible if a payment is missed.
Strongest in the US and Canada, where it gives North American travellers a second short-instalment option.
Tabby splits a fare into instalments in a similar four-payment shape to PayPal's Pay in 4, with eligibility and any fees resting on a credit check at checkout.
Strongest across the Middle East, filling a gap in markets where PayPal's own plans are not the natural fit.
PayPal gives you a few ways to break up a flight's cost. Pay in 4 spreads the fare over a handful of biweekly instalments, while the monthly financing options and PayPal Credit stretch payments further but come with interest that varies by creditworthiness. Every plan involves a credit check, and approval is never guaranteed
$500
Suits travellers who want a short, interest-free split into a few biweekly payments, though a soft credit check applies at checkout. First payment due at time of purchase; three interest-free payments after. Soft credit check may apply, no impact to credit score.
A revolving credit line for US travellers who want ongoing flexibility to charge fares over time, subject to approval and a credit check. $0 down at checkout; fixed interest rate varies by credit. Not available in AK, CT, HI, WA. No sign-up fees; no early payoff penalty.
A revolving credit line for US travellers who want ongoing flexibility to charge fares over time, subject to approval and a credit check. Revolving line of credit available in the US.
You repay PayPal directly on the schedule you choose. Your airline ticket is issued in full at booking, so the flight is confirmed even while instalments are still outstanding.
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 fly now pay later provider scores →
This score is Laters.com's own editorial assessment, built from PayPal's published plan terms, eligibility rules by market, and independent research into approval processes and traveller feedback. No brand pays to be rated, and every provider is scored against the same four criteria. 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.
PayPal covers more ground than most: a no-interest Pay in 4 for smaller fares, monthly financing up to $10,000 for bigger trips, and a revolving credit line in the US. The catch is the fixed APR on longer plans and a Trustpilot record that skews rough. Solid for planners who want options; less so for anyone chasing a flawless service reputation.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility9/10
Three distinct shapes: Pay in 4 (biweekly, $30–$1,500), Pay Monthly (3/6/12/24-month terms up to $10,000), and a revolving PayPal Credit line. Few providers span deferred, instalment, and long-term financing this way.
Interest Rate8/10
Pay in 4 carries 0% APR and no late fees, but Pay Monthly runs 9.99%–35.99% fixed. Clearly split by plan, though the fee-free short plan does the heavy lifting for cost-conscious flyers.
Eligibility8/10
Live across North America, the UK, and Australia, with Pay Monthly excluded in AK, CT, HI, and WA. UK travellers get Pay in 3 rather than Pay in 4, so the plan on offer shifts by market.
Approval Process7/10
Pay in 4 uses only a soft credit check with no score impact, but Pay Monthly and PayPal Credit involve a credit decision tied to the fixed 9.99%–35.99% APR band, which can add friction at checkout.
The table below prices one identical fare across each PayPal plan, so you can compare the schedules side by side. The fare itself does not change based on how you pay. Laters.com adds no booking fee or surcharge for using PayPal.
| 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 |
| Pay Monthly9.99%–35.99% APR | Nothing | Set at approval | Set at approval | Set at approval |
| PayPal Credit | Nothing | $1,000.00 monthly | $1,000.00 | Nothing |
This worked example is an illustration, not a quote for your booking. What you're offered depends on your market, your basket size, and PayPal's approval decision at checkout. We cost every provider on the same rows so you can compare them fairly. See <a href="https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later">Information on PayPal</a> for current terms.
The same 4 steps apply on every airline and every route on Laters.com.
Search Laters and compare flight prices across every airline we sell to find the fare that fits your trip.
At checkout, select PayPal and choose Pay in 4 or another available plan, then wait for PayPal's decision.
Pay over time on the plan you chose at checkout, whether biweekly, monthly, or via a revolving line, noting that interest or a credit check may apply.
Once PayPal confirms your payment, we issue your e-ticket, so you fly now and pay later on your chosen schedule.
Comparing PayPal against every other way to pay is the whole point of shopping here instead of going straight to the airline.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| PayPal built into checkout on all 650+ airlines | ✓ | Very few |
| The same PayPal plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with PayPal | ✓ | ✕ |
| Official PayPal 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 PayPal | ✓ | Varies |
Laters.com gives you more ways to pay for a flight, PayPal among them, so you're never stuck with one checkout option. Compare buy now, pay later terms across every airline we sell in a single search, then decide. For the current PayPal plans and terms
PayPal will split the fare on any route it sells, from a short domestic hop to a long-haul crossing, and the bigger the fare, the more a payment plan changes what you hand over today rather than what you owe in total
From
US$44
Pay in 4 · Sampled Nov 2025
From
US$80
Pay in 4 · Sampled Oct 2025
From
US$44
Pay in 4 · Sampled Sept 2025
From
US$43
Pay in 4 · Sampled Nov 2025
From
US$310
Pay in 4 · Sampled Feb 2026
From
US$223
Pay in 4 · Sampled Oct 2025
From
US$324
Pay in 4 · Sampled Dec 2025
From
US$333
Pay in 4 · Sampled Nov 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. PayPal 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 PayPal on Laters.com.
Yes, PayPal can be used to book flights on Laters, either as a standard payment method or split into a payment plan. In the US you can choose Pay in 4 or Pay Monthly financing, in Australia Pay in 4 is available, and in the UK PayPal offers Pay in 3. Basket limits and terms vary by plan and country, so check Information on PayPal before checkout to confirm what applies to your fare.
Your e-ticket is issued once PayPal approves and processes the payment or the first instalment of your chosen plan. Approval timing depends on which plan you pick and the checks tied to it, since Pay in 4 and Pay Monthly both involve a credit assessment before funds are released. If approval takes longer than expected, check your PayPal account for the plan status rather than assuming the booking has gone through.
For Pay in 4 in the US and Australia, PayPal states a soft credit check may apply, which does not affect your credit score. PayPal Pay Monthly financing, however, is a fixed-APR interest-bearing loan and may involve a more thorough credit assessment tied to your rate. Any credit check carries some risk to your application outcome, and missed payments on financed plans can still affect your credit standing, so review terms on paypal.com before booking.
PayPal's Pay in 4 and Pay Monthly plans are both listed with no late fees, but missing payments on an interest-bearing plan like Pay Monthly can still affect your credit standing since it is a regulated loan product. Unpaid balances on PayPal Credit, a revolving credit line, can also accrue interest and impact your account status. Always confirm current missed-payment consequences on paypal.com, since terms can change by market.
For pricier fares, PayPal's Pay Monthly financing supports baskets up to $10,000 in the US, spread over 3, 6, 12, or 24 months with a fixed APR between 9.99% and 35.99%, rather than the smaller $30 to $1,500 range covered by Pay in 4. It requires no down payment at checkout, but since it is interest-bearing, the total cost of your flight will be higher than paying in full. Pay Monthly is not available in Alaska, Connecticut, Hawaii, or Washington, so confirm eligibility on paypal.com.
No, PayPal's flight-related payment plans vary significantly by country. The US offers Pay in 4 and Pay Monthly financing plus PayPal Credit, Australia offers Pay in 4 up to A$1,999.99, and the UK uses Pay in 3 instead of Pay in 4. PayPal itself supports transactions across a wide range of global markets, but the specific instalment or financing plan on offer depends on where you live, so check paypal.com for your country's current options.
PayPal does not restrict its plans by cabin class, so premium-cabin fares can typically use the same plans as economy, provided the fare falls within the basket limits. In the US, Pay in 4 covers baskets between $30 and $1,500, while Pay Monthly financing extends up to $10,000, which better suits pricier premium tickets. Pay Monthly carries a fixed APR of 9.99% to 35.99% and is not available in Alaska, Connecticut, Hawaii, or Washington, so confirm your fare qualifies before booking.
Refund handling for a cancelled flight depends on the airline's and Laters' cancellation policy, plus how PayPal applies the refund to your specific plan. On instalment plans like Pay in 4, a refund is generally credited back toward outstanding instalments or returned to your PayPal balance, while on interest-bearing Pay Monthly plans any interest already charged may not automatically reverse. Because handling can vary by plan and situation, contact PayPal support or check paypal.com for how refunds apply to your booking.
It depends on the plan. PayPal states that Pay in 4 in the US and Australia may involve a soft credit check with no impact to your credit score, but Pay Monthly financing is a fixed-APR loan that can involve credit reporting, and missed payments on it may affect your credit standing. Because impact varies by plan and country, review the specific terms for your chosen option on paypal.com before you commit.
PayPal's Pay in 4 plan is listed as interest-free, split across four biweekly payments with 25% due upfront and the remaining three payments interest-free, and it carries no late fees. It remains a form of credit, though, and a soft credit check may apply even though it does not affect your credit score. Interest-free does not mean risk-free: you are still committing to a payment schedule, and basket limits ($30 to $1,500 in the US) apply, so confirm details on paypal.com.
Whether you earn airline miles or rewards depends on the airline's own frequent-flyer program and how the fare is ticketed at booking, not directly on PayPal's payment plan. Splitting payment through Pay in 4, Pay Monthly, or PayPal Credit does not change the ticket type itself. Check with the airline or Laters at the time of booking to confirm how miles are credited for your specific fare and payment method.
PayPal is a widely used payment platform with established account security measures, and using it for flight bookings means your card or bank details are not shared directly with the airline or Laters. That said, any credit-based plan, including Pay in 4 or Pay Monthly, still involves sharing financial information for eligibility checks. For the latest details on data handling and security practices, review PayPal's own policies at paypal.com.
Yes, sale and discounted fares on Laters can generally still be paid for using PayPal, including through Pay in 4 or Pay Monthly, as long as the fare total falls within the applicable basket limits for that plan. PayPal does not appear to exclude discounted fares from its plans based on available information. Because basket minimums and maximums vary by plan and country, confirm your sale fare qualifies at checkout or on paypal.com.
Generally, yes, you need a PayPal account to access Pay in 4, Pay Monthly, or PayPal Credit for a flight booking, since these plans are tied to your PayPal profile and its credit check process. Setting one up involves providing personal and financial details for verification. If you do not already have an account, visit paypal.com to see current sign-up requirements before attempting to book.
You can track upcoming and completed instalments for plans like Pay in 4 or Pay Monthly directly through your PayPal account activity or the PayPal app, where scheduled payment dates and amounts are listed. For PayPal Credit, statements show your revolving balance and minimum payments due. Since payment schedules and any applicable interest vary by plan, check your account regularly and refer to paypal.com for how each plan displays your schedule.
Changing or cancelling a flight booked through a PayPal plan is handled through the airline's and Laters' change or cancellation policy first, separate from your PayPal payment schedule. If a refund is due, PayPal typically applies it against any outstanding instalments on plans like Pay in 4, though interest already accrued on Pay Monthly financing may not be affected. Because outcomes depend on your specific plan and fare rules, contact PayPal support or check paypal.com for guidance on your booking.
Here's what travellers say about splitting flight costs with PayPal.
PayPal started in 1998 as a way to send money online without handing your card details to a stranger on the internet. It grew into one of the most recognised digital wallets around, used for everything from splitting a dinner bill to paying rent to, now, booking a flight. Millions of people already have a PayPal account sitting on their phone, which is part of why it shows up at checkout on airlines almost everywhere, effectively every airline we sell.
Buy Now Pay Later through PayPal is a form of credit, not free money, and approval isn't guaranteed. Some plans carry interest, and a credit check (often a soft one) may apply depending on the plan and the country. For the details that actually govern your account, go straight to the source: Information on PayPal.
Borrow only what you're confident you can repay on the schedule you agree to. A flight is worth splitting up. A payment plan you can't keep up with isn't worth the trip.
Booking with PayPal on Laters.com works the way you'd hope. Search your flight, pick your fare, and choose PayPal at checkout alongside the other payment options. You'll then see which of PayPal's plans your basket qualifies for and can pick the one that fits, whether that's spreading the cost over a few weeks or a longer monthly plan.
Once PayPal approves the plan, your e-ticket is issued and sent to your inbox, so you fly with your seat confirmed while the payments continue in the background. Laters.com doesn't add a payment surcharge or a booking fee for using PayPal. Every instalment after that goes straight to PayPal, not to us, so your PayPal account is where you'll track balances, due dates, and any card or bank details on file. For plan terms, remember to check Information on PayPal before you commit.
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 PayPal 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 PayPal’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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