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Busca y compara tarifas entre 600+ aerolíneas en Laters, luego divide el coste de tu vuelo con Atome Card — un producto de crédito que te permite distribuir la tarifa en cuotas mensuales, sujeto a aprobación y términos aplicables.
Atome Card funciona para todos los vuelos en Laters — todas las aerolíneas, todas las rutas, todas las clases de tarifa. Selecciona Atome Card en el pago, y tu billete electrónico se emite una vez aprobado el pago. Disponible en Singapur, Malasia, Indonesia, Filipinas, Hong Kong, Tailandia y Vietnam. Es un producto de crédito, por lo que la aprobación no está garantizada.
Plenty of major carriers don't offer CredPal Card directly at their own checkout, which is exactly why booking through Laters.com matters. Airlines flying out of Nigeria and across West Africa, along with the international carriers that serve Lagos and Abuja, generally won't let you split a fare with CredPal Card on their own site. Book through Laters.com instead, and CredPal Card becomes a payment method built into our checkout: you select it, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Choose the short interest-free window if you can clear the fare within thirty days, or spread it across the longer monthly plan if you need more breathing room, both subject to approval and available only to travellers aged 18 and over. The range runs from a long-haul business-class seat to a short domestic hop, and either can be split the same way. Availability varies by market, so it's worth checking eligibility on CredPal's own site before you fly.
Cifras publicadas por Atome Card, verificadas contra los términos de país de Atome Card.
Atome Card está diseñado para viajeros de Asia Sudoriental y Asia Oriental, cubriendo mercados en toda la región. Consulta la tabla a continuación para confirmar qué planes de pago y monedas locales se admiten donde estés realizando la reserva. 7 mercados ofrecen cuotas sin intereses. 7 mercados ofrecen financiación mensual más larga.
Planes publicados por Atome Card para Singapur (SG), verificados .
Planes publicados por Atome Card para Malasia (MY), verificados .
Planes publicados por Atome Card para Indonesia (ID), verificados .
Planes publicados por Atome Card para Filipinas (PH), verificados .
Planes publicados por Atome Card para RAE de Hong Kong (China) (HK), verificados .
Planes publicados por Atome Card para Tailandia (TH), verificados .
Planes publicados por Atome Card para Vietnam (VN), verificados .
The three-instalment plan goes by Pay in 3 across every market shown here, Singapore and Malaysia included, with no separate label for longer or extended plans in this set. It works by taking a payment at purchase and further payments at fixed monthly intervals after it, and it's interest-free when every instalment lands on time, though approval isn't guaranteed and a credit check applies. Alongside it sits a longer, pay-monthly option described as carrying minimal fees rather than none. Exact limits, tenures and any charges differ by country and are shown by Atome Card at checkout, so it's worth reading those terms before you book.
Si Atome Card no está disponible en tu país o no se ajusta a tus necesidades, Laters.com ofrece una variedad de otros proveedores de BNPL para que puedas seguir distribuyendo el coste de tu vuelo.
Zilch is built around a pay-in-4 structure, letting you split a fare into smaller payments rather than covering it in one go. Approval isn't guaranteed and a credit check typically applies before you're approved to use it.
Coverage varies by market; check Zilch's site for your country.
Klarna offers a short-term split-pay option alongside longer monthly financing for bigger fares. Some Klarna plans carry interest and a credit check may run before your flight is approved for a plan.
Widely available across Europe and North America; confirm your country on Klarna's site.
Afterpay splits your fare into four payments, with the first typically due at checkout. Missed payments can trigger fees, and approval depends on Afterpay's own checks.
Strongest coverage in the United States, Canada, and Australia.
Affirm leans toward longer repayment terms rather than a quick four-way split, which suits pricier itineraries. Interest may apply depending on the term you're offered, and a credit check is part of getting approved.
Primarily available in the United States and Canada.
Tabby offers a pay-in-4 plan for travellers who want to break up the cost of a ticket over a short stretch. A credit check may be part of the approval process, and fees can follow a missed payment.
Focused on the Middle East, with strong presence in Gulf markets.
Scalapay splits fares into a handful of payments or longer monthly instalments depending on the plan you're offered. Approval isn't automatic, and some plans may carry interest or fees on a missed payment.
Concentrated in Italy and other parts of Europe.
Atome Card permite a viajeros de Asia Sudoriental y más allá pagar en cuotas o distribuir el coste en un plan de financiación mensual más largo. Ambos son productos de crédito, sujetos a aprobación y comisiones aplicables. Los detalles completos del plan, incluidos los costes, se muestran en las tarjetas a continuación.
$500
Pay in 3 splits the fare into three monthly payments and stays interest-free when every payment lands on time. Miss one and a credit check has already applied to get you here, so a late fee may follow depending on your agreement. Plan de 3 cuotas sin intereses de Atome; el primer pago suele vencer en el momento de la compra.
Pay Monthly stretches the fare over a longer run of payments with fees kept to a minimum rather than removed altogether. A credit check applies before Atome Card sets your terms, and any figures shown alongside this plan are illustrative until Atome Card confirms your actual rate. Tarjeta Atome / planes de mayor duración descritos como cuotas extendidas con comisiones mínimas; los plazos y tasas exactos no están confirmados.
Atome Card's plans run under these names across Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong. Repayments go to Atome Card on the schedule you agree at checkout, and the airline issues your e-ticket once the booking is confirmed, not once the plan is paid off.
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.
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 →
This score is based on Atome Card's published plan terms, its confirmed market and currency list for flight bookings, and Laters.com's own eligibility review. No brand pays to be rated; unconfirmed figures are flagged rather than estimated. Última revisión agosto 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.
El plan Paga en 3 de Atome Card divide las tarifas de vuelo en tres pagos mensuales al 0% TAE — una verdadera ventaja de coste para quienes califiquen y paguen según lo programado. La opción Paga mensualmente añade espacio para tarifas más grandes, aunque se aplican comisiones y los términos exactos deben confirmarse con Atome. Siete mercados regionales lo mantienen práctico para viajeros frecuentes en Asia Sudoriental. Se requiere verificación de crédito; la aprobación no está garantizada.
4 medidas, calificadas de la misma manera para todos los proveedores en nuestro proceso de pago.
Repayment Flexibility7/10
Two shapes on offer: Pay in 3, a fixed 3-instalment split, and Pay Monthly financing for longer terms. Both are confirmed only in general form, with no split count or basket window published for Pay Monthly, which caps this below a top score.
Interest Rate8/10
Pay in 3 carries 0% APR, the plan most travellers will use. Pay Monthly is described only as carrying minimal fees with no rate disclosed, so travellers can't compare its true cost before choosing it.
Eligibility7/10
Seven confirmed markets, Singapore, Malaysia, Indonesia, Philippines, Hong Kong, Thailand and Vietnam, all showing the same two plans. No total market count is supplied and broader reach across Atome's listed countries isn't confirmed for flight bookings.
Approval Process
Los mismos 4 pasos se aplican en todas las aerolíneas y todas las rutas en Laters.com.
Search fares and pick your flight. Laters.com sells the ticket as your travel agent, and you book at the price shown that day, holding a confirmed booking as the airline's own passenger from the start.
Select CredPal on the payment screen and choose a plan. CredPal decides at checkout, and approval is not guaranteed, so have your details ready before you confirm.
Repay in monthly instalments, or over a longer spread of months if you choose that plan; paying within the short window keeps interest off, but some plans carry interest and a credit check applies. Make repayments directly to CredPal, managed in CredPal's own app or website, not by Laters.com.
Payment gets confirmed. Your e-ticket is then emailed to you. It's tied to your confirmed booking, not to your final payment, so you fly on schedule while the plan runs its course.
Most airlines don't offer CredPal at their own checkout, and the few that do each set their own rules. On Laters.com, CredPal is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
| Lo que obtiene | Laters.com | Reservar directamente con la aerolínea |
|---|---|---|
| Atome Card integrado en el proceso de compra de más de 650 aerolíneas | ✓ | Muy pocos |
| Los mismos planes de Atome Card, sea cual sea la aerolínea con la que vuele | ✓ | ✕ |
| Compare todas las aerolíneas en una búsqueda y luego pague con Atome Card | ✓ | ✕ |
| Socio oficial de Atome Card | ✓ | ✕ |
| 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 Atome Card | ✓ | Varía |
Whichever airline operates your flight and whichever CredPal plan gets approved, the booking is with Laters.com, not the carrier. That means one place to go if a date needs changing or a refund is due, with any interest or fees on your plan still owed on schedule either way.
Todo lo que necesita saber sobre el pago de vuelos con Atome Card en Laters.com.
Yes. Laters.com accepts Atome Card at checkout, and travellers can typically choose between the Pay in 3 plan, which splits the fare into three monthly instalments at 0% interest, or a longer Pay Monthly financing plan with minimal fees for bigger fares. Which plans you see depends on the country you're booking from, and a credit check applies before approval. Confirm the exact terms on Atome Card's website before you book.
All of them on Laters.com. Atome Card sits at checkout as a payment method rather than something individual airlines switch on, so any flight you can book on the platform can be paid for this way. The plan you're offered, such as Pay in 3 or the longer Pay Monthly option, still depends on your basket and the country you're booking from. A credit check applies regardless of the airline you choose.
No. Laters.com adds no payment surcharge and no booking fee when you choose Atome Card, so the fare shown is the same as paying by debit or credit card. The Pay in 3 plan itself carries 0% interest, but the longer Pay Monthly financing plan carries minimal fees, and a late fee applies if you miss a scheduled payment. Always check the repayment schedule at checkout before confirming.
The e-ticket is issued once your Atome Card payment is approved at checkout, not after every instalment clears. That approval includes a credit check, and the remaining instalments (three monthly payments on Pay in 3, or a longer schedule on Pay Monthly) continue after the ticket is in your inbox. Delivery timing can still vary slightly by airline and route, so check your confirmation email on Laters.com for your specific flight.
Yes. Atome Card runs a credit check as part of approving you for either the Pay in 3 plan or the longer Pay Monthly financing option, and approval is never guaranteed even if you've used the card before. This applies whether you're booking a short domestic hop or a long-haul fare. Because this is a credit product and not a discount, treat the check and the repayment schedule as part of the cost of splitting the fare, not a formality.
A missed payment triggers a late fee on your Atome Card plan, whether that's the Pay in 3 schedule or the longer Pay Monthly financing arrangement. Missed payments may also be reported to credit reference agencies, which can affect your credit standing and your ability to get approved for BNPL or other credit in future. If you think you'll miss a due date, contact Atome Card directly before it happens rather than after, since the fare itself was already paid to the airline through Laters.com.
Atome Card is available for flight bookings from Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand and Vietnam on Laters.com, with both the Pay in 3 and Pay Monthly financing plans offered in each of these markets. Availability outside this list is not confirmed, so if you're booking from elsewhere, Laters.com will show you the payment methods that actually apply to your account at checkout. Check atome.sg or your local Atome Card site for the current country list before you plan around it.
The Pay Monthly financing plan is built for larger fares, spreading the cost over a longer instalment schedule with minimal fees rather than the three-payment structure of Pay in 3. It suits long-haul or premium fares where three monthly instalments would each be a large sum. A credit check still applies, and the exact tenure and fee amount for Pay Monthly should be confirmed on Atome Card's website, since they vary and aren't fixed across every basket.
It can. Paying on time on either the Pay in 3 or Pay Monthly plan generally doesn't harm your score, but a missed payment can be reported to credit reference agencies and may lower your credit standing. Atome Card also runs a credit check when you apply for a plan, which is a normal part of using any BNPL product. Treat your instalment dates for a flight booking the same way you'd treat any other credit repayment, and check Atome Card's site for how it reports to agencies in your market.
When an airline refunds a cancelled flight booked through Laters.com, the refund is applied back through Atome Card against your outstanding instalments on that booking, whether you were on Pay in 3 or Pay Monthly financing. If you'd already paid instalments before the cancellation, those amounts are typically refunded back to you or offset against what's still owed. Processing times depend on the airline's refund policy and Atome Card's own timeline, so check both Laters.com and Atome Card's site for how a specific refund will be handled.
Yes. Atome Card's plans, Pay in 3 and Pay Monthly financing, apply to the total fare you're charged rather than to the route or number of stops, so an international or multi-stop itinerary is treated the same as a single-leg domestic flight. What decides which plans you see is the country you're booking from on Laters.com, such as Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand or Vietnam, not where the flight actually flies to. A credit check applies at checkout either way.
Not entirely free of risk, even though the Pay in 3 plan is genuinely 0% interest on time. The catch is what happens if you don't pay on time: a late fee applies, and missed payments may be reported to credit reference agencies, which can affect your credit standing. The longer Pay Monthly financing plan is different again, carrying minimal fees rather than being interest-free. Read the schedule Atome Card shows you at checkout before confirming either plan.
Generally, yes, because Atome Card is a payment method 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 set by the airline's own program rules, not by how you paid, whether that's the Pay in 3 plan or Pay Monthly financing. It's still worth double-checking the fare type on your booking, since some promotional or heavily discounted fares can carry reduced mileage earning regardless of payment method.
Yes, Atome Card can be used on premium cabin and business class fares booked through Laters.com, with the higher fare typically suited to the longer Pay Monthly financing plan rather than the three-payment Pay in 3 structure. A credit check applies to both plans, and approval for a larger basket is not guaranteed. Confirm current basket limits and terms for premium fares directly on Atome Card's website before booking.
Yes. Laters.com prices the fare the same whether you pay by card or through Atome Card, so a sale fare or promotional price you see on the listing carries through to checkout with either the Pay in 3 plan or Pay Monthly financing. Atome Card doesn't add a surcharge that would offset the discount. The credit check and repayment schedule still apply to whatever the final discounted fare comes to.
Real reviews from real customers who booked flights with Laters.com, sharing what their trips were like from search to landing.
Atome Card es un producto de crédito de compra ahora paga después diseñado para compradores en el Sudeste Asiático y Asia Oriental: Singapur, Malasia, Indonesia, Filipinas, Hong Kong, Tailandia, Vietnam y más. Se ha convertido en uno de los nombres de BNPL más reconocibles de la región, aunque el número de usuarios y el alcance de comerciantes se verifican mejor directamente en el sitio web de Atome.
En Laters, reservar vuelos con Atome Card funciona como un acuerdo de crédito: selecciona Atome Card en el pago y tu tarifa se divide en cuotas mensuales. El plan insignia Paga en 3 divide el coste en tres pagos sin intereses, siendo el primero típicamente debido en el pago. Existe una opción Paga Mensualmente de mayor duración para viajeros que necesitan más margen, aunque los plazos exactos, comisiones y tasas varían según el mercado: confirma los detalles en el sitio web de Atome antes de comprometerte.
Como estos son productos de crédito, la aprobación no está garantizada y puede aplicarse una verificación de crédito. Endeudarse más allá de lo que puedas reembolsar cómodamente puede llevar a dificultades financieras. Revisa los términos completos en el sitio web de Atome antes de reservar.
Booking works the same way you'd expect from any flight search: find your route on Laters.com, choose CredPal at checkout, and pick a plan. CredPal's terms describe repayment within 30 days at no interest, or spreading the cost over two to six months, and the e-ticket is issued once your payment is approved. Longer plans and some repayment paths may carry interest or fees and are subject to a credit check, so it's worth reading what you're signing up for before you confirm.
Laters.com is the merchant on this booking and the one that issues your ticket. CredPal is the payment method and the credit provider, not the seller of the flight, so your contract for the flight itself sits with Laters.com while your repayment obligation sits with CredPal. There's no payment surcharge and no booking fee for choosing this route, so the fare you see is the same fare you'd pay by card. You don't need a credit card to book this way: CredPal settles the fare with the airline on your behalf, and you repay CredPal directly, not Laters.com, according to the schedule you agreed to at checkout.
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.
Detrás del botón Atome Card en cualquier checkout de aerolínea hay cuatro preguntas. Nuestra guía completa las responde.
Los resúmenes normativos son generales y cambian con el tiempo; no constituyen asesoramiento legal, por lo que debe confirmar los requisitos actuales con el regulador correspondiente o un asesor cualificado.
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 agosto de 2026.
Ofertas de vuelos Atome Card, promociones de compra ahora y pague después, y ventas flash directamente en su bandeja de entrada. Como máximo un correo electrónico a la semana, y solo cuando hay algo que merece la pena reservar.
Facts don't confirm whether Pay in 3 or Pay Monthly relies on a soft or hard credit check at checkout, so the floor score stands until Atome Card's own site confirms the check type for a traveller's market.
This table prices one fare across Atome Card's plans as sold in its confirmed Southeast Asian and East Asian markets. The fare itself doesn't move for paying this way; Laters.com adds no booking fee or surcharge for choosing Atome Card.
| Plan | Vencimiento hoy | Luego | Usted paga en total | Coste del crédito |
|---|---|---|---|---|
| Paga en 30% APR | $333.33 | $333.33 mensual, 2 veces | $1,000.00 | Nada |
| Paga Mensualmente | Nada | $1,000.00 mensual | $1,000.00 | Nada |
This worked example is an illustration, not a quote. What a traveller is actually offered depends on their market and on approval. Every provider Laters.com scores is costed on the same rows, so figures can be compared fairly across brands.
Laters.com tiene una calificación de 4.8 de 5 en Trustpilot y 4.8 de 5 en Google según 99 reseñas de Google.
