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Cerca e confronta tariffe tra 600+ compagnie aeree su Laters, quindi dividi il costo del tuo volo con Atome Card — un prodotto di credito che ti permette di suddividere la tariffa in rate mensili, soggetto ad approvazione e termini applicabili.
Atome Card funziona per ogni volo su Laters — ogni compagnia aerea, ogni rotta, ogni classe di tariffa. Seleziona Atome Card al checkout e il tuo e-ticket viene emesso una volta approvato il pagamento. Disponibile a Singapore, Malesia, Indonesia, Filippine, Hong Kong, Tailandia e Vietnam. È un prodotto di credito, quindi l'approvazione non è garantita.
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.
Dati pubblicati da Atome Card, verificati rispetto ai termini per paese di Atome Card.
Atome Card è costruito per i viaggiatori in tutta l'Asia sudorientale e l'Asia orientale, coprendo i mercati in tutta la regione. Controlla la griglia sottostante per confermare quali piani di pagamento e valute locali sono supportati da dove stai prenotando. 7 mercati offrono rate senza interessi. 7 mercati offrono finanziamenti mensili più lunghi.
Piani come pubblicati da Atome Card per Singapore (SG), verificati .
Piani come pubblicati da Atome Card per Malaysia (MY), verificati .
Piani come pubblicati da Atome Card per Indonesia (ID), verificati .
Piani come pubblicati da Atome Card per Filippine (PH), verificati .
Piani come pubblicati da Atome Card per RAS di Hong Kong (HK), verificati .
Piani come pubblicati da Atome Card per Thailandia (TH), verificati .
Piani come pubblicati da Atome Card per Vietnam (VN), verificati .
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.
Se Atome Card non è disponibile nel tuo paese o non soddisfa le tue esigenze, Laters.com elenca una serie di altri fornitori BNPL in modo che tu possa comunque distribuire il costo del tuo volo.
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 consente ai viaggiatori in tutta l'Asia sudorientale e oltre di pagare a rate o distribuire il costo su un piano di finanziamento mensile più lungo. Entrambi sono prodotti di credito, soggetti ad approvazione e commissioni applicabili. I dettagli completi del piano, inclusi eventuali costi, sono mostrati nelle schede sottostanti.
$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. Il piano rateale senza interessi di punta di Atome; il primo pagamento è generalmente dovuto al checkout.
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. Atome Card / piani a più lungo termine descritti come rate estese con commissioni minime; le scadenze e i tassi esatti non sono confermati.
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 titolo illustrativo. Le cifre sopra sono calcolate dalla tariffa che Lei imposta: divisione semplice per i piani senza interessi, e il tasso illustrativo proprio del piano nel suo termine dichiarato per il finanziamento mensile. Non sono un'offerta, un preventivo o una previsione di ciò che Le verrà concesso. Laters.com non è il prestatore e non partecipa alla decisione: quali piani appaiono, gli importi delle rate, eventuali interessi e commissioni, e se Lei è idoneo sono determinati esclusivamente dal fornitore e dipendono da una valutazione del credito o dell'idoneità, dal Suo paese e dal Suo carrello. L'unico modo per vedere i Suoi piani reali è scegliere questo metodo di pagamento al momento del pagamento, momento in cui il fornitore, non Laters.com, approva o rifiuta l'acquisto. Tutti i piani, i tassi, le commissioni e i termini sono solo stime e soggetti ad approvazione e a modifiche.
La nostra valutazione editoriale, su 10, per quanto bene un fornitore di acquista ora, paga dopo funziona effettivamente quando Lei sta prenotando un volo.
Ogni provider al nostro checkout è valutato con le stesse 4 misure, quindi Lei può confrontarli equamente prima di scegliere come pagare. Visualizzi tutti i punteggi dei provider di volo ora e paga dopo →
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. Ultima revisione agosto 2026.
Laters.com è il commerciante per ogni prenotazione su questa pagina: vendiamo il biglietto e guadagniamo dalla tariffa, che è la stessa indipendentemente dal metodo di pagamento che sceglie. Nessun provider di pagamento ci paga per il posizionamento, la classificazione o il suo Payment Score, e questa pagina non contiene link di affiliazione.
Il piano Pay in 3 di Atome Card divide le tariffe aeree in tre pagamenti mensili con 0% APR — un vero vantaggio di costo per chi si qualifica e ripaga secondo il programma. L'opzione Pay Monthly offre spazio per tariffe più elevate, anche se si applicano commissioni e i termini esatti devono essere confermati con Atome. Sette mercati regionali lo mantengono pratico per i frequenti viaggiatori in tutta l'Asia sudorientale. Verifica del credito richiesta; l'approvazione non è garantita.
4 misure, valutate allo stesso modo per ogni provider al nostro checkout.
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 Process7
Gli stessi 4 passaggi si applicano su ogni vettore aereo e su ogni rotta su 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.
| Quello che Lei ottiene | Laters.com | Prenoti direttamente con la compagnia aerea |
|---|---|---|
| Atome Card integrato nel checkout su tutti i 650+ vettori aerei | ✓ | Pochissimi |
| Gli stessi piani Atome Card, qualunque vettore aereo Lei scelga | ✓ | ✕ |
| Confronti ogni vettore aereo in una ricerca, quindi paghi con Atome Card | ✓ | ✕ |
| Partner ufficiale di Atome Card | ✓ | ✕ |
| Altri fornitori di pagamento dilazionato, stablecoin e 100+ altri modi di pagamento nello stesso checkout | ✓ | ✕ |
| Nessun supplemento e nessuna commissione di prenotazione per il pagamento con Atome Card | ✓ | Varia |
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.
Tutto ciò che ha bisogno di sapere sul pagamento dei voli con Atome Card su 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 è un prodotto di credito buy now pay later costruito per gli acquirenti nel Sud-Est asiatico e nell'Asia orientale — Singapore, Malesia, Indonesia, Filippine, Hong Kong, Tailandia, Vietnam e oltre. È diventato uno dei nomi BNPL più riconoscibili della regione, anche se il numero di utenti e la portata dei commercianti sono meglio verificati direttamente sul sito web di Atome.
Su Laters, la prenotazione di voli con Atome Card funziona come un accordo di credito: seleziona Atome Card al checkout e la tua tariffa si divide in rate mensili. Il piano Pay in 3 di punta divide il costo in tre pagamenti senza interessi, con il primo generalmente dovuto al checkout. Esiste un'opzione Pay Monthly a più lungo termine per i viaggiatori che hanno bisogno di più spazio, anche se le scadenze esatte, le commissioni e i tassi variano a seconda del mercato — conferma i dettagli sul sito web di Atome prima di impegnarti.
Poiché questi sono prodotti di credito, l'approvazione non è garantita e può applicarsi una verifica del credito. Prendere in prestito più di quanto puoi comodamente rimborsare può portare a difficoltà finanziarie. Rivedi i termini completi sul sito web di Atome prima di prenotare.
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 guadagna dalla tariffa come commerciante, la stessa indipendentemente dal metodo di pagamento che sceglie; nessun provider di pagamento paga per il posizionamento su questa pagina.
Quattro domande si nascondono dietro il pulsante Atome Card in qualsiasi checkout di compagnia aerea. La nostra guida completa risponde a tutte.
I riepiloghi normativi sono di carattere generale e cambiano nel tempo; non costituiscono consulenza legale, quindi confermi i requisiti attuali con l'autorità di regolamentazione competente o con un consulente qualificato.
Prendere in prestito responsabilmente significa impegnarsi solo per rate che Lei può genuinamente permettersi. I pagamenti mancati possono comportare commissioni di ritardo, possono essere segnalati alle agenzie di credito e possono influire sulla Sua situazione creditizia e sulla Sua capacità di prendere in prestito in futuro. Laters.com è il nuovo nome di Fly Fairly; nulla cambia nella Sua prenotazione o nel supporto. Ultima revisione del team editoriale di Laters.com in agosto 2026.
Offerte di voli Atome Card, promozioni BNPL e saldi lampo, direttamente nella Sua casella di posta. Al massimo un'email a settimana, e solo quando c'è qualcosa che vale la pena prenotare.
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.
| Piano | Da pagare oggi | Quindi | Lei paga in tutto | Costo del credito |
|---|---|---|---|---|
| Paga in 30% APR | $333.33 | $333.33 mensile, 2 volte | $1,000.00 | Nulla |
| Paga Mensilmente | Nulla | $1,000.00 mensile | $1,000.00 | Nulla |
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 ha una valutazione di 4.8 su 5 su Trustpilot e 4.8 su 5 su Google da 99 recensioni Google.
