Payment Plans for Flights with Laters
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Book now, pay later: how a flight payment plan works
A payment plan splits your fare into smaller payments. You choose the flight first, then pick a payment provider at Laters checkout. Most plans take the first installment, usually 25% of the fare, at checkout. You pay the rest on the provider's schedule: every two weeks on a Pay in 4 plan, or every month on a longer plan.
Laters charges a $0 booking fee and adds no surcharge when you pay with a plan. The provider sets the terms, decides whether to approve you and collects the repayments. Approval is not guaranteed.
You choose the plan at Laters checkout, not on the airline's website. That means the same plans are available whichever of the 650+ airlines you fly, including airlines that do not offer buy now, pay later themselves.
What a flight payment plan is
A flight payment plan, also called buy now, pay later (BNPL) for flights, comes in four main types:
- Pay in 4: four payments over six weeks, usually 25% at checkout and the rest every two weeks.
- Pay in 3: three payments, the first at checkout.
- Monthly plans: fixed monthly payments over several months. These can carry interest.
- Pay later in one payment: nothing is split; the full amount is due on a later date.
Pay in 4 and Pay in 3 plans are interest-free when you pay on time, but a late fee can apply if you miss a payment. Monthly plans can carry interest: Afterpay Pay Monthly and Klarna US financing charge 0.00% to 35.99% APR, Affirm charges 0% to 36% APR in the US based on your credit, and BillEase sets interest at approval.
For a longer explanation, read how buy now, pay later flights work.
The plan types and what each one costs
The figures below come from Laters' provider pages. The provider sections further down give the details for each provider.
| Plan type | First payment | Then | Interest | Offered on Laters by |
|---|---|---|---|---|
| Pay in 4 | 25% at checkout (Afterpay, Klarna, Clearpay, Zip, Tabby) | Three more payments every two weeks, six weeks in total (Affirm: four payments every two weeks) | 0% APR when paid on time. Zip US charges a prepaid origination fee, and Tabby may charge a processing fee. | Afterpay, Klarna, Affirm, Clearpay, Zip, Tabby |
| Pay in 3 | At checkout (Atome) | Two more payments (Atome: monthly, timing varies by country) | Interest-free (Klarna UK, and Atome when paid on schedule). Tabby: 0% APR. | Klarna (UK), Atome, Tabby |
| Monthly plans | A down payment may be required (Afterpay, Affirm, Flex Pay by Upgrade) | Monthly payments: Afterpay 6 or 12 months; Klarna US 3 to 24 months; most Klarna UK plans 6 to 24 months; Grab 4, 8 or 12; Atome 6, 9 or 12; BillEase up to 12 | Can carry interest: Afterpay and Klarna US 0.00% to 35.99% APR; Affirm US and Flex Pay US 0% to 36% APR; Klarna UK representative 21.9% APR | Afterpay (US), Klarna, Affirm, Flex Pay by Upgrade, Atome (Singapore, Malaysia), Grab, BillEase, Tabby |
| Pay later in one payment | The full amount, on the due date | Grab Postpaid: due on the 7th of the following month. BillEase Pay Later: 10 or 20 days. | Grab Postpaid: interest-free. BillEase: set at approval. | Grab, BillEase |
How to book a flight on a payment plan
1. Search for your flight
Start on Laters by entering your route and travel dates.
2. Choose your airline and price
Compare options across 650+ airlines.
3. Select a payment plan
At checkout, choose a provider that serves your country, such as Afterpay, Klarna, Affirm or Atome.
4. Get a decision from the provider
The provider decides approval at checkout, and approval is not guaranteed. Some providers run a credit or eligibility check first.
5. Pay over time
Laters issues your e-ticket once the provider confirms payment. You then repay the provider on its own schedule.
Pay in installments on airlines that don't offer it
Most airlines do not take buy now, pay later at their own checkout. In the US, Delta, American Airlines and United do not offer Afterpay. When you book their flights through Laters, Afterpay is available at checkout. American Airlines does accept Affirm on aa.com for flights and seats.
Laters adds the payment plan at checkout, so you can fly now, pay later on 650+ airlines, from budget carriers to full-service airlines, on any route and in any fare class.
Which payment plans work in which market
Each provider serves only certain countries. On Laters, the plans by market are:
- United States: Afterpay, Klarna, Affirm, Zip, Flex Pay by Upgrade
- Canada: Afterpay, Klarna, Affirm, Flex Pay by Upgrade
- United Kingdom: Clearpay, Klarna, Affirm (monthly plans only)
- Australia: Afterpay, Zip, Klarna
- New Zealand: Afterpay (Zip stopped taking new New Zealand purchases on 17 August 2026)
- Germany and Sweden: Klarna
- Singapore and Malaysia: Atome, Grab
- Indonesia, Thailand, Vietnam and Hong Kong: Atome
- Philippines: Atome, BillEase
- United Arab Emirates and Saudi Arabia: Tabby
You can use these plans on domestic or international flights, one-way or round-trip tickets, and budget or premium cabins. Examples include Singapore to Tokyo, London to New York and Melbourne to Bali.
For card, wallet and other options, see all the ways to pay for flights.
Ways to pay in full at checkout, no instalments
Not every option at Laters checkout splits your fare into a plan. A few charge the full amount immediately instead of a card, with no instalments, interest or late fee:
- PayNow: an instant QR-code bank transfer for Singapore-based customers, settled the same day in SGD. No credit is extended, so there is no APR or late fee.
- Paysquad: a New Zealand and Australia group-pay option where several people split one order's total at checkout; the booking confirms once the group has covered 100%. It is not a loan or a deferred payment, so no APR applies while a Squad is funding on time.
- Jkopay: a Taiwanese wallet that charges the full fare immediately from the JKO balance, a linked bank account or a bound card. Jkopay publishes no instalment plan of its own.
Naver Pay lists a Pay Now and a Pay Monthly option across several countries, but Laters checkout does not yet accept Naver Pay as a payment method.
Who can use a payment plan, and who runs a credit check
You can usually use a flight payment plan if you:
- Are 18 or older (21 or older for Grab in Malaysia)
- Live in a country the provider serves (residency rules vary by provider and market)
- Have a valid ID and payment method
- Choose a participating provider during checkout
The provider decides approval at checkout. Credit checks differ by provider:
- Afterpay Pay in 4: no credit check
- Afterpay Pay Monthly (US): soft credit check
- Klarna Pay in 4: soft check that does not affect your credit score
- Klarna US financing: soft credit check
- Affirm, Clearpay, Zip, Atome, Tabby and Grab: a credit or eligibility check
Most Pay in 4 plans (Afterpay, Klarna, Clearpay, Zip and Tabby) take 25% of the fare at checkout. There is no upfront fee, but there is an upfront payment. Affirm may ask for a down payment.
What each provider charges
Laters charges a $0 booking fee whichever provider you choose. These are the provider's own charges. Scores in the provider sections are the Laters.com Payment Score, Laters' editorial rating out of 10 for repayment flexibility, interest, eligibility and approval. They are not provider terms.
| Provider | Markets on Laters | Interest and fees | Late fee | Credit check |
|---|---|---|---|---|
| Afterpay | US, Australia, New Zealand, Canada | Pay in 4: 0% APR when paid on time. US Pay Monthly: 0.00% to 35.99% APR | US: up to $8 per missed installment, capped at 25% of the order | Pay in 4: none. Pay Monthly: soft check |
| Klarna | US, UK, Canada, Germany, Sweden, Australia | Pay in 4: interest-free. US financing: 0.00% to 35.99% APR. UK financing: representative 21.9% APR | US: up to $7 | Pay in 4 and US financing: soft check |
| Affirm | US, Canada, UK (monthly only) | Pay in 4: 0% APR. Monthly: 0% to 36% APR (US), 0% to 31.99% APR (Canada) | $0 | Credit or eligibility check |
| Clearpay | UK | 0% APR, no sign-up fee | A late fee may apply | Credit or eligibility check |
| Zip | US, Australia | US Pay in 4: prepaid origination fee of $0.50 to $124. Australia Zip Plus: 13.70% p.a. | US: up to $7 | Credit or eligibility check |
| Atome | Singapore, Malaysia, Indonesia, Philippines, Thailand, Vietnam, Hong Kong | Pay in 3: interest-free when paid on schedule. Pay in 6, 9 and 12: rates vary | Singapore: S$15 under S$1,000, S$30 at S$1,000 or more | Credit or eligibility check |
| PayLater by Grab | Singapore, Malaysia | Postpaid: interest-free. Malaysia Pay in 8 and 12: 1.5% of the transaction per installment | Singapore: SGD15 per missed installment. Malaysia: RM10 | Credit or eligibility check |
| BillEase | Philippines | Set at approval (0% to 5% a month, per BillEase) | See BillEase's terms | See BillEase's terms |
| Tabby | UAE, Saudi Arabia | Pay in 4 and Pay in 3: 0% APR (a processing fee may apply on Pay in 4). Pay over time: profit or service fee | See Tabby's terms | Credit or eligibility check |
| Flex Pay by Upgrade | US, Canada | 0% to 36% APR (US), 0% to 34.99% APR (Canada) | Advertises no Flex Pay late fees | See Upgrade's terms |
Afterpay
Afterpay Pay in 4 works in the US, Australia, New Zealand and Canada. You pay in four payments over six weeks: 25% at checkout, then three more every two weeks, at 0% APR when you pay on time. Pay in 4 runs no credit check. In the US, a missed installment can cost up to $8, capped at 25% of the order.
In the US, Afterpay Pay Monthly spreads purchases over $400 across 6 or 12 months. The APR is 0.00% to 35.99%, depending on eligibility and the merchant. Afterpay runs a soft credit check, a down payment may be required, and these loans are not available in all states.
You must be 18 or older; other age and residency rules vary by market, so check afterpay.com for your country. Choose Afterpay flights at Laters checkout. Payment Score: 7.5.
Klarna
Klarna works on Laters in the US, the UK, Canada, Germany, Sweden and Australia. You can pay in full at checkout or split the cost.
In the US, Pay in 4 splits a fare into four interest-free payments. A $1,000 fare becomes four payments of $250: the first at checkout and the other three every two weeks. Klarna uses a soft check for Pay in 4 that does not affect your credit score, and a late fee of up to $7 can apply. US financing spreads the cost over 3 to 24 months at 0.00% to 35.99% APR, subject to a soft credit check.
In the UK, Pay in 3 is three interest-free payments. Most UK financing runs 6 to 24 months at a representative 21.9% APR. Select Klarna flights at checkout to see the plans offered to you.
Monthly financing through Klarna issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. NMLS #1353190. Klarna's Terms of Use.
Affirm
Affirm is available on Laters in the US, Canada and the UK. In the US and Canada, Pay in 4 is four payments every two weeks at 0% APR.
Monthly plans cost 0% to 36% APR in the US, based on your credit, and 0% to 31.99% APR in Canada, subject to provincial limits. The UK has monthly plans only. A down payment may be required. Laters lists Affirm's late fees as $0. Affirm runs a credit or eligibility check at checkout.
Choose Affirm flights at Laters checkout. Payment Score: 7.5. Affirm, Inc. NMLS ID 1883087.
Clearpay (UK)
For travelers in the United Kingdom, Clearpay splits your purchase into four interest-free installments over six weeks. You pay 25% at checkout, then three more payments every two weeks. The APR is 0%, there is no sign-up fee, and a late fee may apply if you miss a payment.
You need to be a UK permanent resident aged 18 or over, and Clearpay runs a credit or eligibility check. Select Clearpay at checkout and manage your payments in the Clearpay app.
Zip (US and Australia)
Zip flight checkout covers the US and Australia. In the US, Zip offers Pay in 2, Pay in 4 and Pay in 8, all subject to approval. Pay in 4 takes 25% upfront, then the rest every two weeks over six weeks. It has an origination fee that you pay in advance, from $0.50 to $124 depending on the amount. In Zip's own example, a $400 purchase has an $8 fee, which is 34.75% APR and $408 in total. A late fee of up to $7 can apply.
In Australia, Zip Pay is an interest-free revolving credit line of up to A$1,000. It has a A$9.95 monthly fee, waived when the balance is nil. Zip Plus covers amounts above A$1,000 at 13.70% p.a.
Zip stopped taking new New Zealand purchases on 17 August 2026. Payment Score: 7.8.
Atome (Southeast Asia and Hong Kong)
Atome Pay in 3 works in Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong. You pay the first installment at checkout and the other two monthly; the exact timing varies by country. There is no interest when you pay on schedule. Longer Pay in 6, 9 and 12 plans are confirmed for Singapore and Malaysia, with rates that vary.
In Singapore, you must be 18 or older, and a late payment costs S$15 on orders under S$1,000 or S$30 on orders of S$1,000 or more. Atome runs a credit or eligibility check. To use Atome, select it as your payment method at Laters checkout. Payment Score: 7.8.
PayLater by Grab (Singapore and Malaysia)
PayLater by Grab works in Singapore and Malaysia. Postpaid is due on the 7th of the following month and is interest-free in both countries. Pay in 4, Pay in 8 and Pay in 12 split the cost into monthly installments. In Malaysia, Pay in 8 and Pay in 12 cost 1.5% of the transaction per installment.
A missed installment costs SGD15 in Singapore and RM10 in Malaysia. The minimum age is 18 in Singapore and 21 in Malaysia, and Grab runs a credit or eligibility check. Select PayLater by Grab at Laters checkout.
BillEase (Philippines)
BillEase lets travelers in the Philippines split the cost of a flight. The options are:
- Pay Later, which you repay over 10 or 20 days
- Monthly installments for up to 12 months, with interest charged on the declining balance
BillEase sets the interest rate when it approves you; its website gives a range of 0% to 5% a month. Loans go up to PHP 50,000. Do not assume a zero-interest option or a particular term until BillEase shows you the offer. To use BillEase, select it as your payment method at Laters checkout. Payment Score: 7.5.
Tabby (UAE and Saudi Arabia)
Tabby flight plans on Laters are available in the United Arab Emirates and Saudi Arabia. You must be 18 or older, and Tabby runs a credit or eligibility check. The options are:
- Pay in 4: 25% upfront and 0% APR when you pay on time; a processing fee may apply
- Pay in 3: three payments at 0% APR
- Pay over time: longer plans with a profit or service fee agreed in advance
To use Tabby, select it as your payment method at checkout with Laters.
Late fees, missed payments and cancellations
Pay in 4 and Pay in 3 plans stay interest-free only while you pay on time. If you miss a payment, the provider can charge a late fee:
- Afterpay (US): up to $8 per missed installment, capped at 25% of the order
- Klarna (US): up to $7
- Zip (US): up to $7
- Clearpay (UK): a late fee may apply
- Atome (Singapore): S$15 on orders under S$1,000, S$30 on orders of S$1,000 or more
- Grab: SGD15 per missed installment in Singapore, RM10 in Malaysia
- Affirm: $0, according to Laters' Affirm page
Laters charges a $0 booking fee and no payment surcharge, but these provider charges sit outside the Laters price.
If you cancel a booking, the refund of your installments follows the provider's terms. With Afterpay, for example, a cancelled booking is credited back against the plan under Afterpay's rules. For the flight itself, read about changes, cancellations and refunds in our FAQ.
Is it safe to book on a payment plan?
You book the flight with Laters and choose your provider at checkout. The provider sets the plan's terms, decides approval and collects the repayments. Laters issues your e-ticket once the provider confirms payment.
Before you confirm, read the provider's terms: interest, late fees and down payments differ by provider and by market. In the US, Affirm and Klarna publish their NMLS IDs (Affirm, Inc. 1883087; Klarna 1353190), which you can find in the provider sections above.
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