Busca y compara tarifas de 600+ aerolíneas en Laters, luego divide el coste con Atome — un acuerdo de crédito que te permite distribuir tu tarifa de vuelo en pagos mensuales. Como con cualquier producto de crédito, la aprobación no está garantizada y tu capacidad de pagar después depende de tu elegibilidad.
Editado por Adinda Irawan
Atome funciona para todos los vuelos en Laters — todas las aerolíneas, todas las rutas, todas las clases de tarifa. Selecciona Atome en el pago, completa la aprobación de crédito y tu e-ticket se emite una vez que se confirma el pago. El plan Paga en 3 divide tu tarifa en tres pagos mensuales, disponible en el Sudeste Asiático y más allá.
Most airlines don't offer Atome at their own checkout. Singapore Airlines, Malaysia Airlines and AirAsia across Southeast Asia have no native Atome option, and neither do Cathay Pacific or Hong Kong Airlines out of Hong Kong. Book any of them through Laters.com instead, and Atome sits right there at checkout. You select Atome, pick a plan that fits your budget, and the e-ticket is issued once payment is confirmed.
Pay in 3 is Atome's flagship plan and runs interest-free across the Southeast Asian and East Asian markets we cover, while longer pay-monthly plans stretch the cost further but some carry interest and a soft credit check applies. This holds whether you're booking a long-haul business seat or a short domestic hop, and all plans are subject to approval and available to travellers aged 18 and over. Check the Atome Malaysia instalment plans for how longer terms work in your market.
Cifras publicadas por Atome, verificadas contra los términos de país de Atome.
Atome ofrece a viajeros en el Sudeste Asiático y más allá la opción de pagar en cuotas o distribuir el coste en un plan mensual más largo. Ambos son productos de crédito, sujetos a aprobación y verificación de crédito. Los detalles del plan, comisiones y disponibilidad varían según el mercado.
$500
Pay in 3 is interest-free when you keep to the schedule, splitting the fare into three monthly payments. Miss one and a late fee may apply, and a credit check applies before Atome confirms the plan for your booking. Producto insignia de BNPL de Atome en el Sudeste Asiático; normalmente primer pago en el carrito seguido de dos pagos mensuales posteriores.
Pay Monthly stretches the fare over a longer run of instalments for travellers who want smaller payments spread further out. This is a credit plan: some tenures carry interest, a credit check applies, and a late fee may apply if a payment is missed, so read the terms Atome offers at checkout before you commit. Las notas de Grokipedia indican planes más largos con comisiones mínimas; los plazos y términos exactos no están confirmados.
Pay in 3 is the name used across Atome's Southeast Asian markets, though the exact schedule (when the first instalment is debited) can vary by country. Your e-ticket is issued in full once the booking is confirmed. Check how Atome works in Singapore for current terms.
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.
Atome está diseñado para viajeros en el Sudeste Asiático, Asia Oriental y Asia Meridional. Si estás reservando vuelos desde dentro de estas regiones, puedes usar Atome en el pago en Laters.com para distribuir el coste como un acuerdo de crédito, sujeto a elegibilidad y disponibilidad local. Esta guía recoge planes a plazos en 7 mercados.
Planes publicados por Atome para Singapur (SG), verificados .
Planes publicados por Atome para Malasia (MY), verificados .
Planes publicados por Atome para Indonesia (ID), verificados .
Planes publicados por Atome para Filipinas (PH), verificados .
Planes publicados por Atome para Tailandia (TH), verificados .
Planes publicados por Atome para Vietnam (VN), verificados .
Planes publicados por Atome para RAE de Hong Kong (China) (HK), verificados .
Across Southeast Asia this short-term plan is usually called Pay in 3, and that is the label you will see in Singapore, Malaysia, Indonesia, Thailand, the Philippines, Vietnam and Hong Kong. Repayment works the same way almost everywhere: one instalment taken at purchase, then further instalments at fixed intervals after, interest-free when paid on time. Approval is not guaranteed, and Atome's longer monthly plans carry interest. Limits, fees and rates differ by country and are shown by Atome at checkout, so check how Atome's plans work before you book.
Here, you compare flights across every airline we sell, then choose an Atome plan at the Laters.com checkout. You pick the flight first, split it with Atome at that same checkout, and any instalments left simply continue on the schedule you agreed to.
Every row below points back to one thing: whoever operates the flight, and whatever Atome plan gets approved, Laters.com is who you booked with. That means one place to go if a date needs changing, a name needs fixing, or a refund is owed. Approval for a plan isn't guaranteed, and some plans carry interest, so read the terms before you split the fare.
| Lo que obtiene | Laters.com | Reservar directamente con la aerolínea | Ganador |
|---|---|---|---|
| Flight search | Compare available flights across airlines before choosing how to pay. | Search one airline and its partner itineraries. | Laters.com |
| Atome eligibility | Atome eligibility is confirmed in the Laters.com payment step for eligible bookings. | Payment options are confirmed in the airline's own checkout. | Empate |
| Ways to pay | Choose Atome where it is shown alongside the other payment methods for your booking. | Choose from the airline's own available payment methods. | Laters.com |
| Fare conditions | The fare conditions and airline extras remain tied to the fare you select. | The fare conditions and airline extras remain tied to the fare you select. | Empate |
| Payment surcharges | Laters.com adds no booking fee or payment surcharge for using Atome. | Some airlines publish payment fees in particular markets; American Airlines says a £4.50 fee may apply to some UK card or PayPal payments. | Laters.com |
Verdicts compare the feature in each row, not every traveller's available payment method. Atome says shoppers can split purchases into three interest-free payments or use more time with a small fee at participating brand partners; availability is confirmed at checkout. Sources checked 23 September 2026: Atome Singapore and American Airlines payment-fee disclosure.
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 Atome's published plan terms, published rates and eligibility criteria for flight bookings. The headline figure is the unweighted average of those four scores, 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.
Diseñado para el viajero del Sudeste Asiático, Atome aporta una estructura de pago en 3 a las reservas de vuelos en siete mercados, dividiendo tu tarifa en tres pagos mensuales con el primero adeudado en el pago. El plan Paga en 3 sin intereses es el principal atractivo, aunque se aplica una verificación de crédito y la aprobación no está garantizada. Para viajeros frecuentes en la región, es una de las opciones BNPL más adaptadas regionalmente en el pago.
4 medidas, calificadas de la misma manera para todos los proveedores en nuestro proceso de pago.
Repayment Flexibility8/10
Pay in 3 covers short-term needs, while Malaysia's Pay in 6/9/12 and Singapore's Pay in 6/9 stretch fares for higher-cost fares. Flexibility narrows outside these two markets, where only Pay in 3 is confirmed.
Interest Rate7/10
Pay in 3 is interest-free everywhere it runs. Malaysia's longer plans carry a 1.5% monthly instalment rate and Singapore's Pay in 6 adds a 3% one-time fee, so the cost only appears once a traveller extends the term.
Eligibility7/10
Confirmed availability spans Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, but every one of those seven records shows only Pay in 3, not the longer plans.
Approval Process8/10
Pay in 3 debits the first instalment at checkout in Singapore and the Philippines with no processing fee noted on that plan. Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
This table prices one fare across Atome's plans for Malaysia, where its longer instalment terms are documented. The fare itself does not change for paying this way, since Atome adds no booking fee or surcharge on top.
| Plan | Vencimiento hoy | Luego | Usted paga en total | Coste del crédito |
|---|---|---|---|---|
| Paga en 3 | No especificado | No especificado | $1,000.00 | Nada |
| Paga Mensualmente | No especificado | No especificado | $1,000.00 | Nada |
Treat the table as an illustration, not a quote. What a traveller is actually offered depends on their market and on approval, and every provider on Laters.com is costed on the same rows so the numbers can be compared fairly.
If you searched for airlines that accept Atome, here is the short answer: every airline on Laters.com can be booked and paid for with Atome. That holds on any route and any fare class, from short-haul low-cost tickets to long-haul business class, subject to Atome's own limits and its eligibility check at checkout. Which Atome plan you are offered is set by the country you book from, not by the airline you fly, so check the country section below for what Atome publishes where you are. Below, the split matters more than the name. 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 are added à la carte at checkout, with Atome splitting the basket total either way. Paying with Atome 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.
Compare Singapore Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Malaysia Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Qantas fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare American Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare British Airways fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Lufthansa fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review AirAsia fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Scoot fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Cebu Pacific fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review easyJet fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Ryanair fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Frontier Airlines fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Si Atome no está disponible en tu región, Laters.com enumera varios otros proveedores de BNPL para que puedas seguir distribuyendo el coste de tu vuelo, sujeto a elegibilidad y comisiones aplicables.
Klarna offers short-term instalment plans alongside longer financing options for bigger purchases. Approval isn't guaranteed, some plans carry an APR, and a credit check may apply.
Coverage varies by market, so check current availability on Laters.com.
Afterpay splits the cost into four payments, a familiar rhythm for travellers who want a fare paid off before the trip. A missed payment can trigger fees, and approval depends on Afterpay's own checks.
Coverage varies by market, so check current availability on Laters.com.
Zip lets shoppers spread a fare over several instalments, with some plans carrying interest or fees depending on the term chosen. A credit check typically applies before approval.
Coverage varies by market, so check current availability on Laters.com.
Tabby splits a ticket into instalments at checkout, a structure many Southeast Asian and Gulf travellers already recognise from other BNPL apps. Approval isn't automatic, and a credit check may run first.
Coverage varies by market, so check current availability on Laters.com.
Sezzle divides the fare into four payments rather than one lump sum at booking. Missed instalments can bring fees, and Sezzle runs its own eligibility checks before approving a plan.
Coverage varies by market, so check current availability on Laters.com.
PayPal's instalment option lets travellers split a flight into scheduled payments rather than paying the fare in full upfront. Some plans carry interest, and approval depends on a credit check.
Coverage varies by market, so check current availability on Laters.com.
Todo lo que necesita saber sobre el pago de vuelos con Atome en Laters.com.
Yes. Laters.com lets you check out flight bookings with Atome and choose from Pay in 3, Atome's flagship three-instalment plan, or longer Pay Monthly style financing where available. Which plans appear depends on the country you're booking from, since Atome runs on local terms across Southeast Asia and parts of Asia. A credit check applies to some plans, and longer tenures can carry an instalment rate, so review the terms shown at checkout before you confirm.
All of them on Laters.com. Atome sits at our checkout as a payment method, not something individual carriers switch on or off, so any flight you find and book through Laters.com can be paid this way where Atome is available in your country. We don't name specific airlines or a fixed count because the option follows the payment page, not the airline. A credit check and, on some plans, an instalment rate still apply regardless of which flight you book.
No. Laters.com adds no payment surcharge and no booking fee for choosing Atome, so the fare you see is the same fare you'd pay by card. Atome itself is not free money: Singapore's Pay in 6 carries a 3% one-time processing fee and Pay in 9 charges 0.75% per month, while Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Malaysia's longer Pay in 6/9/12 plans run at a 1.5% monthly instalment rate.
Your e-ticket is issued once Atome approves and confirms your payment plan at checkout on Laters.com. Approval isn't guaranteed, since Atome runs its own credit check on the application, and some plans carry an instalment rate on top of the fare. Once the plan is confirmed, the airline booking is ticketed the same way as any other payment method. If approval is delayed or declined, Laters.com will show you alternative payment options for the same fare.
It can involve one. Atome typically runs an eligibility and affordability check when you apply for a plan, and the type of check can vary by plan and by country, from Malaysia's Pay in 3 through to the longer Pay in 6, 9 or 12 month options. Approval is never guaranteed, and some of these longer plans carry a monthly instalment rate rather than being interest-free. Check how Atome's plans work for the specifics on eligibility before you book.
Missing a payment costs you. In Singapore, a missed instalment suspends your Atome account; Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Late or missed payments can also be reported to credit reference agencies.
Atome is available for flight bookings on Laters.com from Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, with Pay in 3 as the plan offered in each of these markets. Longer instalment plans such as Pay in 6, Pay in 9 and Pay in 12 are confirmed for Malaysia and Singapore, at rates that vary by tenure and market. The Philippines also allows Atome Card bills to be split into 3- or 6-month interest-bearing plans. Always confirm current country availability on Atome's own website before booking.
A longer plan usually fits better. For a bigger fare, Malaysia's Pay in 6, Pay in 9 or Pay in 12 spreads the cost further than Pay in 3, though it runs at a 1.5% per-month instalment rate rather than interest-free. Singapore's Pay in 9 carries a 0.75% monthly processing fee, while Pay in 6 there is a 3% one-time fee instead. Longer tenures mean smaller instalments but a higher total cost, so weigh that against just using Pay in 3 if the fare fits within its limits.
Not when you pay on time. Using a plan like Pay in 3 as intended generally has limited impact on your credit score, but that is not a guarantee. Missing a payment can affect your standing: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
A refund reduces or ends the remaining instalments, but the timing depends on Atome and the airline's refund process rather than being automatic on cancellation. Any instalments already paid, including one-off fees like Singapore's 3% Pay in 6 processing charge, are refunded according to Atome's own policy rather than by Laters.com directly. Until the refund is processed, scheduled payments may still be due, so keep an eye on your Atome account for updates. Contact Atome support if a refunded flight doesn't stop your instalment schedule promptly.
Yes. Atome's plans apply 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 single direct flight. What determines which plans you see is the country you're booking from on Laters.com, not where the flight departs or lands. So a traveller booking from Malaysia sees Malaysia's Pay in 3 and longer 1.5% monthly plans, while one booking from Singapore sees Singapore's fee structure instead.
It can be. Pay in 3 is structured as three equal monthly interest-free instalments in markets like Malaysia and Singapore. The catch sits with missed payments: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Longer plans can carry a processing fee or monthly rate instead.
It depends on the fare and the plan's basket size in your market. Malaysia's Pay in 3 covers purchases from a minimum of RM100 up to RM5,099, which caps how much of a premium fare it can cover before you'd need a longer plan such as Pay in 6, 9 or 12. Those longer options run at a 1.5% monthly instalment rate in Malaysia, which suits a higher-value business class fare better than Pay in 3 alone. Check the exact basket limits on Atome's how-it-works page before booking a premium fare.
You'll need to sign up or log in to Atome at checkout to use it for a flight booking, since the plan and any credit check run through Atome's own app or account system rather than through Laters.com. New applicants go through Atome's eligibility check the same as returning users, and approval isn't guaranteed. Once your account is set up and a plan is approved, the flight is ticketed and future bookings can reuse the same account, subject to Atome's ongoing checks.
Repayments are tracked in Atome's own app or account portal, not through Laters.com, since Atome manages billing, due dates and fees. In Singapore, Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. In Malaysia, the app shows your plan and remaining instalment schedule.
On Laters.com, Atome is offered in the payment step for flight bookings where it appears at checkout, rather than being an airline-specific payment method. Choose your fare first, then confirm the Atome option, plan and total repayment amount before you book. Atome's Singapore payment guidance explains its checkout-based payment service.
For a Singapore Airlines fare on Laters.com, check the payment methods shown after selecting the itinerary. If Atome appears at that checkout, you can review the available Atome plan and its total cost before confirming; availability and eligibility can vary. See Atome Singapore for its current payment information.
For an AirAsia fare on Laters.com, select the itinerary and check whether Atome is presented in the payment step. Atome availability and eligibility are confirmed at checkout, so do not assume that an airline's own website offers the same option. See Atome Singapore for its current payment information.
Atome es un proveedor de compra ahora paga después creado para el Sudeste Asiático y la región más amplia de Asia-Pacífico, operando en Singapur, Malasia, Indonesia, Filipinas, Tailandia, Vietnam, Hong Kong y más allá. Su producto principal es un plan de pago en 3: la tarifa total se divide en tres pagos mensuales, el primero cobrado en el pago y los dos restantes facturados en un calendario mensual. En Laters, puedes buscar y comparar vuelos en múltiples aerolíneas y luego elegir Atome en el pago. Una vez aprobado (la aprobación no está garantizada y se aplica una verificación de crédito), tu billete electrónico se emite y tu plan de cuotas se confirma. Atome también ofrece financiación mensual más larga en algunos mercados, aunque los plazos y términos varían; consulta atome.com para conocer los detalles actuales. Perder un pago puede resultar en comisiones o afectar tu situación crediticia. Solo comprométete si los reembolsos se ajustan cómodamente a tu presupuesto y revisa los términos completos en el sitio web de Atome antes de confirmar tu reserva.
Search your route on Laters.com, select Atome at checkout, and choose a plan before you confirm the booking. Pay in 3 splits the fare into three instalments and carries no interest when paid on time. Atome also offers longer plans like Pay in 6, 9 or 12 for travellers who want to spread a flight over more months. Those longer plans are interest-bearing and, like all Atome credit, subject to a credit check and approval before you're accepted. Once payment is approved, your e-ticket is issued and sent to your inbox, ready for the trip.
On this booking, Laters.com is the merchant selling the ticket and handling your itinerary. Atome is the payment method and credit provider here, not the seller of the flight. The price you see is the price you pay: Laters.com adds no card surcharge and no separate booking fee for choosing Atome over any other payment method. You don't need a credit card to book this way, since Atome settles the fare with the airline on your behalf once your plan is approved. Your repayment schedule, and any interest that applies to your chosen plan, is owed to Atome, not to Laters.com.
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. 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 Atome, promociones de compra ahora y pague después y ventas flash, directamente en su bandeja de entrada.
Los datos de esta página se contrastaron con estas fuentes entre el y el ; las cifras se vuelven a comprobar cuando sus fuentes publican datos nuevos.
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