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Search and compare fares on Laters.com, then split your flight into four fortnightly Afterpay payments, 25% due at checkout.
Yes. Book through Laters.com and Afterpay works on every airline, every route, and every fare class at checkout, as an official partner, not a workaround. There's no payment surcharge and no hidden booking fee for choosing it. Afterpay is still a credit product: some plans carry interest, a credit check may apply, and paying nothing upfront means the fare is still owed on a schedule. Your e-ticket is delivered once approval comes through.
Airlines themselves rarely let you split a fare this way. Delta, United, American, British Airways, Emirates and Qantas don't offer Afterpay directly at their own checkouts. Book the same flights through Laters.com instead, and Afterpay becomes usable across all of them, because the plan sits with us as the merchant, not with each individual carrier.
Pay in 4 is available across the markets we support, and Pay Monthly adds a longer option in the US. Both remain subject to approval: some plans carry interest, a credit check may apply, and you need to be 18 or older to use either plan. Availability and exact terms vary by market, so check Afterpay's site for your country before booking.
Figures as published by Afterpay, verified against Afterpay’s country terms.
Find the latest Laters.com deals below, add the code in the promo box at checkout, then choose Afterpay to split what is left.
AFTERPAY25
$25 off (min purchase $500)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Australia AUD only.
AFTERPAY50
$50 off (min purchase $1000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Australia AUD only.
AFTERPAY100
$100 off (min purchase $2000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Australia AUD only.
AFTERPAY200
$200 off (min purchase $3000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Australia AUD only.
AFTERPAY25USD
$25 off (min purchase $500)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For United State USD only.
AFTERPAY50USD
$50 off (min purchase $1000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For United State USD only.
AFTERPAY100USD
$100 off (min purchase $2000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For United State USD only.
AFTERPAY200USD
$200 off (min purchase $3000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For United State USD only.
AFTERPAYNZ50
$50 off (min purchase $500)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For New Zealand NZD only.
AFTERPAYNZ100
$100 off (min purchase $1000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For New Zealand NZD only.
AFTERPAYCA25
$25 off (min purchase $500)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Canada CAD only.
AFTERPAYCA50
$50 off (min purchase $1000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Canada CAD only.
AFTERPAYCA100
$100 off (min purchase $2000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Canada CAD only.
AFTERPAYCA200
$200 off (min purchase $3000)The coupon applies only to the base fare of the flight booking and does not apply to taxes and fees. For Canada CAD only.
Discounts apply to the base fare only, not to taxes, carrier charges or add-ons, so your saving off the total is smaller than the headline.
Afterpay's flight booking reach centres on North America and Oceania, with a foothold in the UK. Travellers in the US can use it for both fortnightly and longer monthly plans, while Australia, New Zealand, Canada and the UK see the fortnightly option at checkout. Coverage varies by market, so confirm your country on Laters before booking. Approval always depends on a check by Afterpay. 5 markets offer interest-free instalments. 1 market offers longer monthly financing.
Pay in 4 interest-free at partner brands; late fees may apply. Pay Monthly loans underwritten by First Electronic Bank, APR 0.00%-35.99%, subject to credit check; not available in all states.
Plans as published by Afterpay for United States (US), verified .
Plans as published by Afterpay for Australia (AU), verified .
Plans as published by Afterpay for New Zealand (NZ), verified .
Plans as published by Afterpay for United Kingdom (GB), verified .
Plans as published by Afterpay for Canada (CA), verified .
Afterpay markets its short-term instalment plan as Pay in 4 across the US, Australia, New Zealand and Canada. In the UK, the equivalent plan runs under the Clearpay name via Clearpay Finance Ltd, and the US alone also carries the longer Pay Monthly financing option, which is not published elsewhere. Late fees, any applicable APR, and basket limits differ by country and appear from Afterpay at checkout.
Afterpay is not the only way to spread the cost of a fare on Laters.com. If it is not available where you live, or it is not the right fit this time, Laters.com lists other BNPL providers so you can still book now and pay over time.
Klarna splits a fare into instalments or lets you defer the full amount for a short period, and it tends to show up as a checkout option across a broad range of markets.
Widely available across Europe and North America
Zip runs a straightforward instalment plan similar in shape to Afterpay's, and it holds its own in the same Australia and US markets where Afterpay is strongest.
Strongest in Australia and the United States
Clearpay is Afterpay's counterpart for UK and European shoppers, splitting a fare into instalments where Afterpay's own UK footprint is lighter.
Strongest in the United Kingdom and Europe
Sezzle mirrors the four-payment structure travellers know from Afterpay, and it has built a following among North American shoppers looking for that same pay-in-4 rhythm.
Strongest in the United States and Canada
Laybuy spreads a fare across six weekly payments rather than four fortnightly ones, giving New Zealand travellers a longer, smaller-instalment alternative to Afterpay's Pay in 4.
Strongest in New Zealand
Affirm leans toward longer monthly financing rather than short fortnightly splits, which suits travellers booking a pricier itinerary who want more time than Afterpay's Pay Monthly term offers.
Strongest in the United States
Afterpay lets you split a fare into smaller payments rather than paying the whole ticket at once. Pay in 4 covers most bookings, while Pay Monthly stretches bigger fares across a longer term and may carry interest. A credit check applies to the longer-term option, and this is a form of credit, so borrow only what you can repay on schedule.
$500
Pay in 4 suits travellers who want a short, fortnightly schedule and prefer to keep costs interest-free, though late fees can still apply. First payment due upfront, remainder biweekly over ~6 weeks. Interest-free at partner brands; late fees may apply. Some transactions may carry a finance fee (APR up to 36%, underwritten by First Electronic Bank).
Pay Monthly fits larger fares needing a longer runway, but it can carry interest depending on your term and always requires a credit check. For big-ticket purchases; 3/6/12/24-month options depending on order value (up to 24 months for orders over $400). Loans underwritten and issued by First Electronic Bank; down payment may be required; subject to credit check and not available in all US states.
You repay Afterpay directly on its set schedule, not the airline. Laters issues your e-ticket in full once your Afterpay payment is approved, regardless of how many instalments remain.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
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 provider scores →
This score reflects Afterpay's published plan terms, late fee and APR disclosures, country availability, and approval mechanics for flight bookings, cross-checked against regulatory status and traveller feedback. No brand pays Laters.com for its rating. Last reviewed August 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.
Afterpay is built for the traveller who wants a flight paid off before the credit card bill arrives. Pay in 4 splits the fare into four fortnightly instalments with 25% due at checkout, and it carries no interest when paid on time. Miss a date and a late fee applies, capped at 25% of the order value, so a payment calendar matters as much as the plan.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Pay in 4 (25% upfront, four fortnightly instalments over 6 weeks) sits alongside a US-only Pay Monthly option running 3, 6, 12 or 24 months on baskets from $100. Real range, but Pay in 4 dominates elsewhere.
Interest Rate9/10
Pay in 4 charges 0% APR when paid on time, with only a late fee (capped at 25% of order value) as risk. Pay Monthly carries an APR up to 35.99%, so the low-cost route is plan-specific.
Eligibility7/10
Live in the US, AU, NZ, GB and CA, covering Laters' top regions, but Pay Monthly financing is US-only and baskets under $100 don't qualify for it.
Approval Process9/10
Pay in 4 uses no credit check, while Pay Monthly requires a soft credit check and, in the US, isn't available in every state. Decisions are fast but not universal.
The table below prices one fare across Afterpay's plans, using the mechanics on this page. Laters adds no booking fee or surcharge for choosing to pay this way, so the fare itself stays the same regardless of plan.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 40% APR | $250.00 | $250.00 every 2 weeks, 3 times | $1,000.00 | Nothing |
| Pay Monthly0.00% to 35.99% APR | Nothing | Set at approval | Set at approval | Set at approval |
This worked example illustrates how the plans compare rather than quoting a live offer. What you're actually offered depends on your market and on approval, so treat the table as a guide. Every provider on Laters is run through the same rows so the numbers stay comparable.
The same 4 steps apply on every airline and every route on Laters.com.
Search Laters and compare fares across every airline we sell, any route or fare class.
At checkout, select Afterpay and choose the Pay in 4 or Pay Monthly option to get its decision, which involves a credit check and may carry interest.
Pay over time on the schedule you chose at checkout, whether fortnightly Pay in 4 instalments or a longer Pay Monthly term.
Once your payment is confirmed, your e-ticket is issued and the rest of the balance stays due on schedule, so you fly now and pay later.
Booking a flight is one thing. Paying for it without draining your account before you even land is another.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Afterpay built into checkout on all 650+ airlines | ✓ | Very few |
| The same Afterpay plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Afterpay | ✓ | ✕ |
| Official Afterpay partner | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Afterpay | ✓ | Varies |
Laters.com gives you more ways to pay, so you're never locked into one method, and lets you compare Afterpay and other buy now, pay later options across every airline we sell in one place. That's a better way to book than hunting airline by airline.
Afterpay splits the fare on any route Afterpay sells, and the larger the ticket, the more a plan changes what you hand over today rather than what you owe overall.
Delta Airlines, JetBlue Airways
From
US$833
Pay in 4 · Sampled Feb 2026
American Airlines
From
US$310
Pay in 4 · Sampled Feb 2026
American Airlines
From
US$223
Pay in 4 · Sampled Oct 2025
American Airlines
From
US$324
Pay in 4 · Sampled Dec 2025
American Airlines
From
US$333
Pay in 4 · Sampled Nov 2025
American Airlines
From
US$144
Pay in 4 · Sampled Nov 2025
American Airlines
From
US$273
Pay in 4 · Sampled Dec 2025
American Airlines
From
US$320
Pay in 4 · Sampled Dec 2025
Each fare is the lowest we have seen on that route, shown in the currency it was found in. Fares are indicative and change with date and availability. Afterpay settles in its supported currencies at checkout, which may differ from the currency shown here.
Everything you need to know about paying for flights with Afterpay on Laters.com.
Booking flights with Afterpay on Laters works at checkout across the platform's 600-plus airlines, routes, and fare classes. You choose Afterpay as your payment method, split the fare using Pay in 4 or, in the US, Pay Monthly, and Laters issues the e-ticket once the payment is approved. Afterpay is a credit product, so approval depends on the plan and, for Pay Monthly, a credit check. Confirm current terms at https://www.afterpay.com before booking.
The e-ticket is delivered after Afterpay approves your payment, not before. Approval typically happens during checkout, but timing can vary by plan, order value, and issuer review. Because Pay in 4 requires 25% of the fare upfront and Pay Monthly involves a credit check, delays can occur if either step needs extra verification. Check your Laters booking confirmation for the exact delivery status of your ticket.
It depends on the plan: Pay in 4 does not require a hard credit check, while Pay Monthly is subject to a credit check as part of underwriting by First Electronic Bank. Missing payments on either plan can still affect your standing with Afterpay and may be reported, and late fees can apply on Pay in 4. Always review the specific plan terms at https://www.afterpay.com before you commit to a payment schedule.
Missing a payment on Pay in 4 can trigger a late fee, and Afterpay caps these fees at 25% of the order value, so costs can add up on a large flight purchase. On Pay Monthly, missed payments affect the loan underwritten by First Electronic Bank and can carry consequences for your credit standing since that plan involves a credit check. Consistent on-time payments matter for both plans. Visit https://www.afterpay.com for the full late-payment policy before you book.
For a pricier fare, Pay Monthly is built for bigger purchases, with terms of 3, 6, 12, or 24 months and an APR ranging from 0.00% to 35.99% depending on the loan, and it requires a credit check plus a minimum basket of $100. Pay in 4 also works for larger fares since it has no listed maximum basket, splitting the cost into four payments over six weeks with 25% due upfront. Pay Monthly is US-only and not available in every state, so confirm eligibility at https://www.afterpay.com.
Afterpay supports flight payments in the US, Australia, New Zealand, the UK, and Canada, though the plans on offer differ by market. Pay in 4 is available in all five countries, while Pay Monthly is currently limited to the US and comes with a credit check. Because availability and plan details can shift, check https://www.afterpay.com to confirm what applies in your country before booking.
Laters lets you book every airline, route, and fare class at checkout, so premium cabins are not excluded from Afterpay payment. Whether Pay in 4 or Pay Monthly fits a premium fare depends on the total cost relative to that plan's basket range, and Pay Monthly requires a minimum order of $100 plus a credit check. Because higher fares mean higher instalments or a longer credit commitment, weigh the total cost before choosing a premium-cabin ticket on credit. Confirm current basket limits at https://www.afterpay.com.
Refund handling for an Afterpay-financed flight depends on the airline's cancellation policy and how Afterpay applies the refund to your remaining instalments or loan balance. In general, a refund is credited back through Afterpay rather than paid directly to you, and any instalments already charged are adjusted accordingly. Because policies vary by plan and by airline fare rules, contact Afterpay support and check https://www.afterpay.com for how refunds are processed on your specific plan.
It can, depending on the plan. Pay in 4 does not involve a hard credit check up front, but late fees and unpaid balances can still affect your relationship with Afterpay. Pay Monthly involves a credit check as part of underwriting by First Electronic Bank, and missed payments on that loan can affect your credit standing. Review the credit reporting details for your plan and country at https://www.afterpay.com before booking.
Pay in 4 is described as interest-free at partner brands, with four instalments spread over six weeks and 25% due at checkout. That said, late fees apply if you miss a scheduled payment, and some transactions may carry a finance fee with an APR of up to 36% underwritten by First Electronic Bank. So while the standard schedule carries no interest, it is still a credit arrangement with potential costs if payments slip. Confirm the terms that apply to your transaction at https://www.afterpay.com.
Mileage and loyalty point earning is set by the airline and by how Laters processes the booking, not by Afterpay itself. Since Afterpay is a payment method applied at checkout rather than a travel loyalty partner, any miles earned would follow the same rules as booking with a card. Check the fare rules on your specific flight and your airline loyalty program for confirmation, since this can vary by airline and route.
Afterpay operates under active regulatory oversight, including registration with ASIC in Australia, the CFPB in the US, and the FCA in the UK, which requires adherence to data handling and consumer protection standards. Laters passes your payment details through Afterpay's checkout process rather than storing them itself. As with any credit product, it is worth reviewing Afterpay's privacy and security terms directly at https://www.afterpay.com before linking your payment information.
Yes, Afterpay applies to the total price of the fare at checkout, whether or not that fare is discounted. There are no special promo codes or spend thresholds tied to Afterpay itself since it is a payment method, not a discount mechanism. The instalment structure, whether Pay in 4 or Pay Monthly, is based on the final ticket price and follows the same terms regardless of whether the fare was on sale.
You typically set up or log into an Afterpay account during the Laters checkout flow rather than needing one in advance. New users go through Afterpay's identity verification and, for Pay Monthly, a credit check as part of that setup. Because account requirements can differ by country and plan, review the current sign-up process at https://www.afterpay.com before you start a booking.
Afterpay payment schedules are managed through your Afterpay account or app, where you can see upcoming instalment dates and amounts for Pay in 4 or your monthly loan payments under Pay Monthly. Laters does not manage this schedule directly since Afterpay handles billing after the booking is confirmed. Checking your Afterpay account regularly helps you avoid missed payments and the late fees or credit consequences that can follow. Full account management details are available at https://www.afterpay.com.
Changing or cancelling a flight booked through Afterpay follows the airline's own change and cancellation rules, since Afterpay is the payment method rather than the booking itself. Any fare difference or refund is then applied to your remaining Afterpay instalments or loan balance, depending on your plan. Because outstanding instalments or loan payments continue unless the refund fully covers them, check both the airline's fare conditions and your Afterpay account, or confirm the process at https://www.afterpay.com.
Here's what travellers say about splitting flight costs with Afterpay, from booking day to that last fortnightly payment.
Afterpay started in Melbourne in 2014 with a simple idea: let people pay for what they need in smaller chunks, without a credit card or a mountain of paperwork. It has since grown into one of the most recognised names in buy now, pay later, used by a large base of active customers across several countries, including the US, UK, Canada, Australia and New Zealand. On Laters.com, Afterpay works on every airline we sell, so the payment method doesn't limit where you can fly.
Afterpay is still a form of credit. Depending on the plan, a missed payment can bring a late fee, and some longer plans carry interest, so treat it with the same care as any repayment commitment. For the current terms in your country, check Afterpay's own site before you book.
Only commit to a plan you're confident you can repay on schedule, since falling behind costs more than the flight itself.
Booking with Afterpay on Laters.com follows the same search and compare process as any other flight purchase. Find your flight, choose Afterpay at checkout, and pick the plan that fits, whether that's Pay in 4 or, in the US, a longer Pay Monthly term. Your e-ticket is issued once Afterpay approves the payment, so it's worth having your details ready.
There's no payment surcharge and no booking fee for choosing Afterpay over another payment method. Repayments themselves go directly to Afterpay on the schedule you agreed, not through Laters.com, so manage your instalments through your Afterpay account. As with any credit product, some plans may involve a credit check or carry interest, so it's worth reading the plan details before you confirm.
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.
Four questions sit behind the Afterpay button at any airline checkout. Our full guide answers them.
Regulatory summaries are general and change over time; they are not legal advice, so confirm current requirements with the relevant regulator or a qualified adviser.
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 Afterpay’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 August 2026.
Afterpay flight deals, BNPL promotions and flash sales, straight to your inbox. One email a week at most, and only when there is something worth booking.
