Search flights on Laters.com, then split the fare with an Affirm plan at checkout.
Edited by Alex Yardley
Yes. You can book flights with Affirm on Laters.com and split the fare into Pay in 4 at 0% APR or monthly payments at checkout, on any airline we sell. There is no booking fee and no surcharge for choosing Affirm. Affirm is a credit product, so monthly plans can carry interest and approval is not guaranteed.
Some airlines take Affirm on their own sites, American Airlines among them for flights and seats, while others don't, and each sets its own rules. Booking through Laters.com makes Affirm usable on every airline we sell, 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 plans are available in the US and Canada, while UK shoppers see monthly plans only. Pay in 4 is interest-free, while monthly plans can carry interest depending on your creditworthiness, and every application goes through an eligibility check and is subject to approval. 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.
Figures as published by Affirm, verified against Affirm’s country terms.
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. Affirm charges no late fees, but treat the four payments like any other bill. Interest-free. A down payment may be required.
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. APR based on creditworthiness and eligibility check; not all customers eligible for 0% APR. US sample: 12 monthly payments at 15% APR. Canada rate subject to provincial limits.
Affirm's short-term plan is offered in its US and Canadian markets, and monthly plans in the UK, 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.
Plan options depend on your purchase amount and may vary by merchant, and a down payment may be required. Affirm shows the plans you qualify for at checkout, after its eligibility check.
Booking with Affirm on Laters.com works if you are shopping from the United States, Canada or the United Kingdom, three 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. This guide lists instalment plans in 2 markets. This guide lists financing in 3 markets. 3 currencies are listed in this guide.
Pay in 4 every two weeks at 0% APR, or monthly payments at 0–36% APR based on credit, subject to Affirm's eligibility check. A down payment may be required.
Payment options provided by Affirm's lending partners (affirm.com/lenders). Your rate will be 0-36% APR based on credit, subject to eligibility check. Affirm Pay in 4 is 0% APR. A down payment may be required. Affirm, Inc., NMLS ID 1883087. California residents: loans made or arranged pursuant to California Financing Law license 60DBO-111681.
Plans as published by Affirm for United States (US), verified . Affirm United States terms
Pay in 4, or monthly payments at 0–31.99% APR based on creditworthiness and subject to provincial limits. Not all customers qualify for 0% APR.
Payment options through Affirm Canada Holdings Ltd. Your rate will be 0-31.99% APR (where available and subject to provincial regulatory limitations), based on creditworthiness and subject to an eligibility check. Not all customers eligible for 0% APR. Options may not be available in all provinces/territories. A down payment may be required.
Plans as published by Affirm for Canada (CA), verified . Affirm Canada terms
Monthly payment plans. Terms and rates are shown by Affirm at checkout.
Affirm U.K. Limited provides consumer credit products and is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 756087.
Plans as published by Affirm for United Kingdom (GB), verified . Affirm United Kingdom terms
Affirm's short-term instalment plan is widely known as Pay in 4 across the US and Canada. In the UK, Affirm publishes only its monthly plans 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 plans can 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.
| What you get | Laters.com | Book direct with the airline | Winner |
|---|---|---|---|
| Flight search | Compare flights from 650+ airlines in one search before choosing how to pay. | Search one airline's own flights and partner itineraries. | Laters.com |
| Affirm at checkout | Choose Affirm at checkout on any airline Laters.com sells, if you book from the US, Canada or the UK and Affirm approves you. | Only where the airline takes Affirm itself. American Airlines accepts it on aa.com for flights and seats, but not for extras like bags. | Laters.com |
| Other ways to pay | 40+ pay-later providers and 100+ ways to pay in one checkout. | Limited to the airline's own payment options. Pay-later choices vary by airline. | Laters.com |
| Affirm rates and approval | Affirm sets the terms: Pay in 4 at 0% APR, or monthly plans at 0–36% APR in the US based on credit, subject to its eligibility check. | The same Affirm terms and eligibility check apply where an airline offers Affirm directly. | Draw |
| Payment surcharges | None. Laters.com charges no booking fee and no surcharge for paying later. | Some airlines add payment fees in certain markets: American Airlines, for example, may charge a processing fee of £4.50 a ticket on some UK credit card and PayPal payments. | Laters.com |
Verdicts compare the feature in each row; checkout shows your actual options. The Affirm terms row is a draw because Affirm sets the same rates and approval whoever sells the ticket. The payment-fee verdict rests on published terms; checkout fees have not been independently checked. Sources checked 24 September 2026: About Laters.com, Laters.com payment options, Laters.com fly now pay later FAQ, American Airlines payment options, American Airlines fee disclosure and Affirm: how it works.
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
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. Last reviewed September 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Affirm splits fares two ways: Pay in 4 every 2 weeks at 0% APR, or monthly payments that run 0-36% APR in the US and 0-31.99% APR in Canada. Coverage sits at three markets, US, Canada and UK, with the UK offered monthly plans only. A down payment may be required, and every longer plan depends on a creditworthiness check.
4 measures, scored the same way for every provider at our checkout.
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.
Sources: Affirm: how to use Affirm (US terms)
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.
Sources: Affirm: how to use Affirm (US terms); Affirm Canada: how it works
Eligibility7/10
Laters.com lists Affirm in three markets: US, Canada and UK. The US and Canada get both Pay in 4 and monthly payments, while the UK sees monthly plans only, so one of three markets has no Pay in 4.
Sources: Affirm: how to use Affirm (US terms); Affirm Canada: how it works; Affirm UK
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 | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 40% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Monthly payments0-36% APR (US); 0-31.99% APR (Canada) | Not specified | Not specified | Set at approval | Set at approval |
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.
Compare Philippine Airlines fares and routes from its Manila hub, then choose an Affirm plan at Laters.com checkout.
Book American Airlines on Laters.com and choose an Affirm plan at checkout, or use Affirm directly on aa.com for flights and seats.
Compare Delta Air Lines fares alongside other US carriers, then spread the cost with Affirm at Laters.com checkout.
Weigh United Airlines' fare types and bag rules before you pick Pay in 4 or monthly payments at checkout.
UK shoppers can split British Airways fares into Affirm monthly payments at Laters.com checkout, subject to approval.
Qantas fares sit in the same Laters.com search, so you can compare routes before choosing how Affirm spreads the cost.
EVA Air fares to Taipei sit in the same Laters.com search, so you can compare routes before choosing how Affirm spreads the cost.
Read our Virgin Atlantic guide to cabins and baggage, then check whether Affirm is offered for your booking at checkout.
Compare Southwest Airlines fares and checked-bag costs on Laters.com, then choose an Affirm plan at checkout.
Check JetBlue's fare bundles and bag fees, then choose an Affirm plan when you pay on Laters.com.
Frontier's base fares add up once bags and seats are included, so price the full trip before picking an Affirm plan.
Price easyJet flights in the same search as other carriers, then UK shoppers can pay with Affirm monthly plans.
Ryanair charges separately for many extras, so compare the total fare before spreading it with Affirm at checkout.
Scoot's fares and add-ons can be compared on Laters.com before you choose how Affirm splits the payment.
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 offers Pay in 4 every two weeks and longer monthly payment plans across the US, Canada and the UK. 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.
Everything you need to know about paying for flights with Affirm on 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. Affirm itself isn't free on every plan: Pay in 4 is interest-free, but monthly plans carry an APR of 0-36% in the US depending on creditworthiness. Affirm charges no late fees. 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.
Affirm doesn't charge late fees, but a missed payment still puts your account behind. Affirm may report missed payments to credit bureaus, which can affect your credit standing and make future borrowing harder. This applies whether you're on Pay in 4 or a monthly plan, so it's worth setting reminders or autopay. If you're struggling to keep up, contact Affirm directly before a payment is missed.
Affirm is available for flight bookings on Laters.com from the US, Canada and the UK. The plans differ by market: the US and Canada get Pay in 4 and monthly payments, while the UK offers monthly payments 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 payments, which carry 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. Affirm charges no late fees, but interest-free isn't the same as risk-free: a missed payment can still be reported to credit bureaus.
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.
Yes. On Laters.com you can choose Affirm at checkout for flights on any airline we sell, if you book from the US, Canada or the UK and Affirm approves you. Some airlines also take Affirm on their own sites: American Airlines accepts it on aa.com for flights and seats, though not for extras like bags.
Monthly plans can cost interest: Affirm quotes 0–36% APR in the US and 0–31.99% APR in Canada, based on credit, and not everyone qualifies for the 0% rate. Every plan goes through an eligibility check, approval is not guaranteed and a down payment may be required. Affirm charges no late fees, but it may report missed payments to credit bureaus, so treat each payment like any other bill. Terms are on Affirm's how it works page.
Laters.com accepts Affirm at checkout for flights on 650+ airlines. Affirm's own travel directory also lists travel sites such as Expedia, Priceline, Booking.com and Travelocity, and airlines including American Airlines. On Laters.com you can compare fares across airlines first, then choose an Affirm plan at payment.
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 earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Visit Affirm’s own terms for current terms, eligibility criteria and country-specific plan availability. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.
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Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
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