Search flights on Laters.com, then split the fare with an Affirm plan at checkout.
Editado por Alex Yardley
Yes. You can use Affirm to book flights and buy plane tickets for any airline, any route, and any fare class when you check out through Laters.com. There is no payment surcharge and no booking fee for choosing Affirm over another payment method. Affirm is a credit product, so plans still carry the usual conditions: some come with interest, and approval is not guaranteed.
American Airlines, Delta and United don't offer Affirm directly in the US, and neither do British Airways, Lufthansa or Ryanair across the UK, Germany and the wider European market. Booking through Laters.com is what makes Affirm usable on all of them, since the plan sits with us at checkout rather than with the airline. At checkout, you select Affirm as your payment method, pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Depending on where you're based, Affirm's pay-in-4 and longer monthly financing plans are available across the US, Canada, UK and Australia, though which plans you see depends on your market. Pay-in-4 is typically interest-free, while monthly financing plans can carry interest depending on your creditworthiness, and every application goes through an eligibility check, subject to approval and open only to travellers 18 or older. Whether you're booking a long-haul in business or a short domestic hop, you can also pay with Visa at our checkout if you'd rather compare the two.
Affirm splits a fare a few different ways, and the cards below price each one in your selected currency. Set a flight budget first, then compare what each plan asks for today, what follows on the schedule, and the total you repay. At checkout, Affirm shows the real offer for your booking. A credit check applies, and some plans carry interest, so read the terms before you confirm.
$500
This plan is interest-free if you keep to the schedule, though a down payment may be required at checkout. Miss a payment and a late fee can apply, so treat the four instalments like any other bill. Sin intereses. Puede ser necesario un pago inicial.
Spreading the fare over several months can mean no interest at all, but most travellers are offered a rate based on their credit, set only after Affirm's check. The sample repayment shown is illustrative, not the rate you will actually be offered. TAE basada en tu solvencia crediticia y comprobación de elegibilidad; no todos los clientes son elegibles para TAE del 0%. Ejemplo en EE.UU.: 12 pagos mensuales al 15% TAE. La tasa de Canadá está sujeta a límites provinciales.
This isn't a credit product. Pay the full fare at checkout with a stored card and you get Affirm's buyer protection, with nothing to schedule and nothing to owe afterward. Pay in full immediately with stored cards and buyer protection.
Affirm's short-term plan is offered across its North American, UK and Australian markets, though which plans appear depends on where you're booking from. Whichever plan you choose, Affirm collects the repayments directly, and your airline issues the ticket in full once the booking is confirmed.
Solo a título ilustrativo. Las cifras anteriores se calculan a partir de la tarifa que establece: división simple para los planes sin intereses, y la tasa ilustrativa propia del plan durante su plazo establecido para financiación mensual. No son una oferta, un presupuesto ni una predicción de lo que se le ofrecerá. Laters.com no es el prestamista y no participa en la decisión: qué planes aparecen, los importes de las cuotas, cualquier interés y comisión, y si es elegible en absoluto están determinados únicamente por el proveedor, y dependen de una evaluación de crédito o elegibilidad, su país y su carrito. La única forma de ver sus planes reales es elegir este método de pago en el pago, momento en el cual el proveedor, no Laters.com, aprueba o rechaza la compra. Todos los planes, tasas, comisiones y términos son solo estimaciones y están sujetos a aprobación y a cambios.
Booking with Affirm on Laters.com works if you are shopping from the United States, Canada, the United Kingdom or Australia, four of the markets travellers ask about most. That is not the whole list, so check the grid below for your own country. Affirm publishes its plans under a few names: instalment plans split the fare into a handful of separate payments, while monthly financing spreads the cost over a longer run of monthly payments instead. Open your country in the grid for the exact product names, schedules and costs that apply there. This guide reflects what Affirm publishes per market. It does not confirm which of these products Laters.com can offer on a specific booking, since that depends on the checkout itself. Esta guía recoge planes a plazos en 3 mercados. Esta guía recoge la financiación en 4 mercados.
Opciones de pago proporcionadas por los socios de crédito de Affirm (affirm.com/lenders). Tu tasa será de 0-36% TAE según tu crédito, sujeta a comprobación de elegibilidad. Affirm Paga en 4 es 0% TAE. Puede ser necesario un pago inicial. Affirm, Inc., NMLS ID 1883087. Residentes de California: préstamos otorgados o gestionados conforme a la licencia de California Financing Law 60DBO-111681.
Planes publicados por Affirm para Estados Unidos (US), verificados .
Opciones de pago a través de Affirm Canada Holdings Ltd. Tu tasa será de 0-31,99% TAE (donde esté disponible y sujeta a limitaciones normativas provinciales), basada en tu solvencia crediticia y sujeta a una comprobación de elegibilidad. No todos los clientes son elegibles para TAE del 0%. Las opciones pueden no estar disponibles en todas las provincias/territorios. Puede ser necesario un pago inicial.
Planes publicados por Affirm para Canadá (CA), verificados .
Affirm U.K. Limited proporciona productos de crédito al consumo y está autorizada y regulada por la Financial Conduct Authority (FCA), número de referencia de empresa 756087.
Planes publicados por Affirm para Reino Unido (GB), verificados .
Planes publicados por Affirm para Australia (AU), verificados .
Affirm's short-term instalment plan is widely known as Pay in 4 across the US, Canada and Australia. In the UK, Affirm publishes only its monthly financing product for flights, not Pay in 4. Where offered, Pay in 4 takes one payment at purchase and further instalments at fixed intervals after, interest-free when paid on time. Approval is not guaranteed, and Affirm's longer monthly financing plans carry interest based on creditworthiness. Limits and rates differ by country and are shown by Affirm at checkout: see how Affirm's payment plans work before you book.
Here, you search every airline we sell in one place, then pick a Affirm plan at the Laters.com checkout, the same way Affirm outlines on its own site. You choose the flight first, the payment plan second, and any instalments left after booking keep running on the schedule you agreed to.
Once you book, Laters.com is who you deal with, not the airline and not Affirm directly. That means one team handles your booking, any change to it and any refund, whatever plane you end up on and whichever Affirm plan you were approved for. If a payment or a credit check goes differently than planned, you still only have one number to call.
| Lo que obtiene | Laters.com | Reservar directamente con la aerolínea |
|---|---|---|
| Affirm integrado en el proceso de compra de más de 650 aerolíneas | ✓ | Muy pocos |
| Los mismos planes de Affirm, sea cual sea la aerolínea con la que vuele | ✓ | ✕ |
| Compare todas las aerolíneas en una búsqueda y luego pague con Affirm | ✓ | ✕ |
| Otros proveedores de pago posterior, monedas estables y más de 100 formas de pago adicionales en el mismo proceso de compra | ✓ | ✕ |
| Sin recargo ni comisión de reserva por pagar con Affirm | ✓ | Varía |
Nuestra calificación editorial, de 0 a 10, sobre qué tan bien funciona realmente un proveedor de compra ahora, pague después cuando está reservando un vuelo.
Todos los proveedores en nuestro proceso de pago se califican con las mismas 4 medidas, por lo que puede compararlos de manera equitativa antes de elegir cómo pagar. Ver todas las puntuaciones de proveedores de vuele ahora, pague después →
Each of the four criteria above is scored out of 10 against Affirm's published plan terms, published APR ranges and eligibility rules for flight bookings. The headline score is the unweighted average of those four figures, rounded to one decimal, and no brand pays to be rated on Laters.com. Última revisión septiembre de 2026.
Laters.com es el comerciante para cada reserva en esta página: vendemos el billete y obtenemos ingresos de la tarifa, que es la misma independientemente del método de pago que elija. Ningún proveedor de pago nos paga por la colocación, clasificación o su Puntuación de Pago, y esta página no contiene enlaces de afiliados.
Affirm splits fares two ways: Pay in 4 every 2 weeks at 0% APR, or monthly financing that runs 0-36% APR in the US and 0-31.99% APR in Canada. Coverage sits at four markets, US, Canada, UK and Australia, with the UK offered financing only. A down payment may be required, and every longer plan depends on a creditworthiness check.
4 medidas, calificadas de la misma manera para todos los proveedores en nuestro proceso de pago.
Repayment Flexibility8/10
Pay in 4 (four payments every 2 weeks) sits alongside monthly financing running to 12 payments in the US sample, covering short and multi-month terms. Both cluster around instalments and financing, with no long-term deferred option, and UK travellers only see the financing plan.
Interest Rate8/10
Pay in 4 runs at 0% APR with no substitute fee disclosed. Monthly payments carry 0-36% APR in the US and 0-31.99% APR in Canada, and Affirm states not all customers qualify for the 0% rate, so the cost splits sharply by plan chosen.
Eligibility7/10
Affirm operates in four markets: US, Canada, UK and Australia. US and Canada get both Pay in 4 and financing, Australia gets both too, but the UK sees financing only, so one of four markets loses the interest-free short plan entirely.
Approval Process7/10
Financing in every listed market runs on a creditworthiness check, and Affirm's own note says a down payment may be required for Pay in 4. Canada's financing rate is also capped by provincial limits, adding a layer the traveller cannot see until checkout.
This table prices one fare across Affirm's plans for a US booking, since that market carries the fullest published detail. The fare itself does not change. Laters.com adds no booking fee or surcharge for choosing to pay this way.
| Plan | Vencimiento hoy | Luego | Usted paga en total | Coste del crédito |
|---|---|---|---|---|
| Paga en 40% APR | No especificado | No especificado | $1,000.00 | Nada |
| Pagos mensuales0-36% APR (US); 0-31.99% APR (Canada) | No especificado | No especificado | Establecido en la aprobación | Establecido en la aprobación |
| Pay in FullNo es un producto de crédito | $1,000.00 | Nada que pagar | $1,000.00 | Nada |
Treat the table as an illustration, not a quote. What you are offered depends on your market and on Affirm's own approval decision at checkout. Every provider on Laters.com is costed on these same rows, so you can compare like for like.
If you searched for airlines that accept Affirm, here is the settled answer: every airline on Laters.com can be paid for with Affirm, right here. That holds on any route and any fare class, from short-haul low-cost tickets to long-haul business class, subject to Affirm's own limits and an eligibility check. Which Affirm plan you are offered depends on the country you book from, not on the airline you fly, so check the country section below for what Affirm publishes where you are. On a full-service carrier, the checked bag, seat selection, meals and frequent-flyer earning are exactly as the airline sells them. On a low-cost airline, those extras get added at checkout, with Affirm splitting the basket total either way. Paying with Affirm does not change the fare, the baggage allowance or the miles earned. You fly as the airline's own passenger and simply split the cost.
Affirm and Visa both sit at the Laters.com checkout, so this isn't a case of hunting down a second app. You're choosing between two ways to pay for the same ticket, right here. Affirm publishes up to four plan types, from a pay-in-4 split every two weeks to longer monthly financing, with strongest coverage across the US, Canada, the UK and Australia. If Affirm isn't available where you are, these are the other providers that can spread the cost of your flight.
Klarna splits a fare into scheduled payments or lets you defer it, though some plans carry interest and a credit check may run before approval.
Coverage varies by market. Check Klarna's site for your country.
Afterpay is built around splitting a purchase into four payments, with approval and eligibility checks applied at checkout and fees possible if a payment is missed.
Coverage varies by market. Check Afterpay's site for your country.
Zip lets you spread a flight's cost over several instalments, subject to an approval and eligibility check, and late fees can apply if a payment slips.
Coverage varies by market. Check Zip's site for your country.
Sezzle divides the fare into four scheduled payments, with an eligibility check at signup and fees possible on a missed instalment.
Coverage varies by market. Check Sezzle's site for your country.
Splitit uses your existing credit card to break a fare into instalments, so approval depends on the card's available credit rather than a separate loan application.
Coverage varies by market. Check Splitit's site for your country.
PayPal offers its own pay-later and instalment options at checkout, with a credit check involved and interest possible depending on the plan chosen.
Coverage varies by market. Check PayPal's site for your country.
Todo lo que necesita saber sobre el pago de vuelos con Affirm en Laters.com.
Yes. Laters.com lets you check out with Affirm and choose from Pay in 4, which splits the fare into four interest-free payments every two weeks, or monthly financing that can run longer for pricier trips. A down payment may be required on Pay in 4, and financing carries an APR based on a credit check. Confirm which plans you're offered at checkout, since eligibility varies by traveller.
Every airline sold on Laters.com can be booked with Affirm. That's because Affirm sits at our checkout as a payment method rather than something individual airlines switch on or off, so the carrier you pick doesn't limit your payment choice. What does vary is which Affirm plan you're offered, since that depends on your basket and a credit check. Compare fares first, then choose Affirm at payment.
No. Laters.com doesn't add a surcharge or booking fee for paying with Affirm, so the fare shown is the same one you'd pay by card. That said, Affirm itself isn't free for every plan: Pay in 4 is interest-free, but the monthly financing plan carries an APR of 0-36% in the US depending on creditworthiness, and missing a payment can bring a late fee. Read the terms for your chosen plan before confirming.
Your e-ticket is issued once Affirm approves your payment plan and the booking is confirmed on Laters.com. Approval for Pay in 4 or monthly financing typically comes back during checkout, though it isn't guaranteed for every applicant. Once approved, the airline booking is processed the same way as any other payment method. If approval is delayed or declined, you'll be prompted to choose another payment option.
It depends on the plan. Affirm's monthly financing option requires an eligibility check that considers your creditworthiness, and your APR is set based on that check, so it isn't guaranteed everyone qualifies for the lowest rate or approval at all. Pay in 4 also involves an eligibility review even though it's interest-free. A credit check can leave a record with credit bureaus, so only apply if you're comfortable with that.
Missing a payment can trigger a late fee and put your account into arrears with Affirm. Affirm may report missed payments to credit reference agencies, which can affect your credit standing and make future borrowing harder. This applies whether you're on Pay in 4 or the monthly financing plan, so it's worth setting reminders or autopay. If you're struggling to keep up, contact Affirm directly to discuss your options before a payment is missed.
Affirm is available for flight bookings on Laters.com from the US, Canada, the UK, and Australia. The plans on offer differ by market: the US and Canada both get Pay in 4 and monthly financing, Australia also gets both, but the UK currently offers financing only, with no Pay in 4 option. Always check what's shown at checkout for your country, since availability can change.
Monthly financing tends to suit a costly long-haul fare better than Pay in 4, since it spreads payments over several months instead of a few weeks. In the US, a sample structure is 12 monthly payments at a stated APR, with actual rates ranging 0-36% depending on your credit profile and eligibility check. Not everyone qualifies for the lowest rate, so review the specific terms and total cost shown before you commit.
It can. Affirm's monthly financing plan involves an eligibility check that may be recorded with credit bureaus, and how you manage repayments, especially any missed or late ones, can affect your credit standing going forward. Pay in 4 also involves an eligibility review, though its interest-free structure differs from financing. Keeping payments on schedule is the simplest way to avoid any negative impact.
A refund from the airline is applied toward your outstanding Affirm balance rather than paid to you directly while payments are still owed. If the refund exceeds what's left on your plan, Affirm returns the difference, and if payments were already completed, the refunded amount comes back to you. Processing refunds through a financed booking can take longer than a standard card refund, so check the airline's refund policy and Affirm's account terms for specifics.
Yes. Affirm applies to the total fare you're charged, not to the route or number of stops, so a multi-stop or international itinerary is treated the same as a simple one-way trip. What actually decides which plans you see, Pay in 4, monthly financing, or both, is the country you're booking from, not where you're flying to. Check Laters.com at checkout to see which plans apply to your specific booking.
You can typically apply for Affirm at checkout on Laters.com without having used it before, since the application and eligibility check happen in real time as part of the payment step. Approval isn't guaranteed and depends on the credit check tied to whichever plan you select. If you're approved, an account is created for you to track and manage repayments going forward. For full details on signing up, see how Affirm works.
Affirm's plans listed for flights on Laters.com are Pay in 4, which is interest-free at 0% APR, and monthly financing, which carries an APR of 0-36% in the US based on creditworthiness. There's no separate 30-day deferral plan listed among Affirm's flight options here. Pay in 4 may still require a down payment, and a missed payment on either plan can bring a late fee, so interest-free isn't the same as cost-free if you fall behind.
Generally, yes, since Affirm is a payment method applied at checkout on Laters.com and doesn't change how the airline records your booking or fare class. Miles, tier points, and status benefits are typically tied to the ticket and fare type rather than how it was paid for. Airline loyalty terms vary, though, so it's worth checking your specific program's rules if points accrual matters to you.
Affirm's role at checkout is to run its own eligibility check and manage your repayment plan, rather than store your card details the way a stored-card wallet would. Your booking and fare information is processed through Laters.com's standard checkout, and any credit assessment happens directly through Affirm's systems. For specifics on how your data and repayments are handled, check current details at affirm.com.
Affirm is a US-based buy now, pay later lender that lets shoppers split purchases, including flights, into scheduled payments instead of paying the fare in one go. It has grown well beyond a checkout button into a broader financial app covering budgeting and card products, and travel, flights among them, is now one of the categories customers use it for most. Affirm doesn't publish a fixed count of the airlines it works with, so think of it as covering every airline we sell rather than a fixed list, and it's worth checking current coverage on Affirm's own site before you rely on it.
Affirm was founded in San Francisco in 2012 by Max Levchin, a PayPal co-founder, alongside Nathan Gettings and Jeffrey Kaditz. It operates as a licensed lender in the US, partly through partner banks, and in the UK through Affirm U.K. Limited, which is authorised and regulated by the Financial Conduct Authority. The company is publicly traded on Nasdaq, and like most lenders its share price and loan performance have swung with the wider credit cycle, including periods of investor scrutiny over its underwriting as it scaled. Only take on a payment plan for a flight if you're confident you can meet every instalment on time.
Booking a flight with Affirm on Laters.com starts the way any search does: find your route and dates, compare fares, and pick the flight you want. At checkout, select Affirm as your payment method and choose from the plans on offer, which may include Pay in 4 or a longer monthly financing plan. Pay in 4 is interest-free, though a down payment may be required, while monthly financing plans carry an APR based on a credit check and your eligibility. Once Affirm approves your plan, your e-ticket is issued.
Laters.com is the merchant of record for your booking and issues the ticket. Affirm is the payment method and the lender behind your instalments, not the seller of the flight. You don't need a credit card to book this way: Affirm settles the fare with the airline on your behalf, and your repayments go to Affirm on the schedule you agreed, not to Laters.com. There's no payment surcharge or booking fee for choosing Affirm, so the fare you see is the same one you'd pay by card. For more on how the plans and checks work, Affirm sets out the details of how Affirm works.
Laters.com obtiene ingresos de la tarifa como comerciante, lo mismo independientemente del método de pago que elija; ningún proveedor de pago paga por la colocación en esta página.
Una reserva de vuelo y un plan de pago siguen calendarios distintos. Nuestra guía explica las cuestiones prácticas que conviene considerar antes de dividir el precio de un billete.
Endeudarse responsablemente significa solo comprometerse con cuotas que pueda permitirse genuinamente. Los pagos atrasados pueden resultar en cargos por mora, pueden ser reportados a agencias de referencia crediticia, y pueden afectar su calificación crediticia y su capacidad de endeudarse en el futuro. Visite los términos propios de Affirm para conocer los términos actuales, criterios de elegibilidad y disponibilidad de planes específicos por país. Laters.com es el nuevo nombre de Fly Fairly; nada cambia en su reserva ni en el soporte. Última revisión del equipo editorial de Laters.com en septiembre de 2026.
Reseñas reales de clientes reales que reservaron vuelos con Laters.com.
Ofertas de vuelos Affirm, promociones de compra ahora y pague después y ventas flash, directamente en su bandeja de entrada.
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