Choose Pay in 4 interest-free instalments, defer the fare for 30 days, or spread it over monthly payments. No hidden booking fees.
Yes, you can use Credpal to book flights and buy plane tickets for any airline, any route, and any fare class through Laters.com. Credpal is a credit product, so plans are subject to approval, and some plans carry interest depending on how you choose to pay. That said, the reach is the point: you are not limited to carriers that happen to offer Credpal at their own checkout, because Laters.com brings it to every booking.
Most airlines never built Credpal into their own checkout. Delta, American Airlines and United in the US do not offer it directly, and neither do British Airways, Lufthansa, or Nordic carriers like SAS and Finnair across the UK, Germany and the Nordics. Book through Laters.com instead: select Credpal at checkout, pick a plan that fits your budget, and the e-ticket is issued once payment is confirmed, whichever airline you flew none of them would have offered it on their own.
Credpal's plan families cover pay-in-4, a monthly financing option with a deposit, and a short pay-in-30-days option, all subject to status and approval, and available to travellers aged 18 and over. That range stretches from a long-haul business-class seat to a short domestic hop, with a credit check and possible interest applying depending on the plan and how it's repaid. Zilch is also accepted at our checkout, if you'd like to compare the two before you commit.
With Credpal you can split a fare into fortnightly payments, put down a deposit and spread the rest across a few months, or delay the full amount by 30 days. Some plans carry interest, and a credit check applies before you're approved, so read the terms attached to each before you choose.
$500
Pay in 4 splits the fare into four fortnightly payments and costs nothing extra when every payment lands on time. Miss one and a late fee may apply, and approval depends on a credit check. Credit subject to status and approval.
Pay Monthly asks for a deposit upfront, then spreads the remainder over monthly payments, staying interest-free if you keep to the schedule. A credit check is required, and the rate shown is illustrative until Credpal confirms what you're offered after that check. Credit subject to status and approval.
Pay in 30 days involves no credit at all: you get the full amount due at a later date, and the ticket is yours to fly on now and settle within the month. Credit subject to status and approval.
You repay Credpal directly on the schedule you select, and your e-ticket is issued in full at booking regardless of which plan you pick.
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.
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.
However you split the fare, the booking sits with us. Laters.com is the merchant for the ticket, so we handle any change or refund, whichever airline flies the route and whichever CredPal plan gets approved for you. One party to call, one place to sort it out, with the usual credit checks and terms still applying.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Credpal built into checkout on all 650+ airlines | ✓ | Very few |
| The same Credpal plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Credpal | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Credpal | ✓ | Varies |
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 →
This score is based on Credpal's published plan terms, eligibility criteria for flight bookings, and independent research into its checkout mechanics. No brand pays Laters.com to be rated, and every provider is scored against the same four criteria. 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.
Credpal builds its case around choice: Pay in 4 every two weeks, Pay Monthly with a 40% deposit over three months, or Pay in 30 days as a straight deferral. All three carry 0% APR, though every plan is credit subject to status and approval. No country or market data was supplied, so we can't confirm reach beyond Nigeria, its primary market.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility9/10
Three distinct shapes: Pay in 4 (fortnightly), Pay Monthly (40% deposit, 3 monthly payments), Pay in 30 days (single deferral). No basket limit was supplied, so we can't confirm every fare value qualifies on all three.
Interest Rate9/10
All three plans quote 0% APR: Pay in 4, Pay Monthly and Pay in 30 days alike. No fee figures were supplied to check whether a charge substitutes for interest, which keeps this shy of a 10.
Eligibility7/10
Nigeria is confirmed as Credpal's primary market, but no country list, market count, or currency data was supplied, so we can't confirm reach beyond that one market.
Approval Process7/10
Every plan, Pay in 4, Pay Monthly and Pay in 30 days, is marked credit subject to status and approval. No detail was supplied on whether that check is soft or hard, or how fast a decision lands at checkout.
This table prices one fare across Credpal's Pay in 4, Pay Monthly and Pay in 30 days plans for the Nigerian market. The fare itself doesn't change: Laters.com adds no booking fee or surcharge for choosing to pay this way.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 40% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay Monthly3 months at 0% APR | $400.00 | $333.33 every 4 weeks, 2 times Final payment: $266.67 | $1,000.00 | Nothing |
| Pay in 30 days | Nothing | $1,000.00 due in 30 days | $1,000.00 | Nothing |
This is an illustration, not a quote. What you're offered depends on your market and on approval, and every provider we score is run through the same cost rows so you can compare them fairly against each other.
Here's the thing worth knowing before you compare anything else: both Credpal and Zilch sit right here at the Laters.com checkout, so this isn't a matter of picking one now and hunting for the other later. Credpal's own shape is a pay-in-4 plan billed every two weeks, a monthly financing route with a deposit and three follow-up payments, and a pay-in-30-days option, all subject to status and approval. Zilch is built around a pay-in-4 product, and you can compare Zilch for flights on Laters.com if you want to see how the two stack up before you book. If Credpal isn't available where you are, these are the other providers that can spread the cost of your flight.
Zilch's pay-in-4 plan is approval-based, and a credit check typically applies before you can split a fare into smaller payments.
Coverage varies by market, so check availability before booking.
Klarna offers instalment plans for flights, though approval isn't guaranteed and some plans can carry interest or fees if a payment is missed.
Coverage varies by market, so check availability before booking.
Afterpay splits the fare into scheduled payments, with approval and a credit check part of the process, and late fees possible if you fall behind.
Coverage varies by market, so check availability before booking.
Affirm leans toward financing a fare over several months rather than a short pay-in-4 split, and some of its plans carry an APR subject to approval.
Coverage varies by market, so check availability before booking.
Tabby's plan spreads a flight into instalments and requires approval, with a credit check and potential fees for missed payments part of the terms.
Coverage varies by market, so check availability before booking.
Sequra lets you split a fare into instalments, subject to approval and a credit check, with fees possible if a payment is missed.
Coverage varies by market, so check availability before booking.
Everything you need to know about paying for flights with Credpal on Laters.com.
Yes. Laters.com lets you choose Credpal at checkout and pick from Pay in 4 (four payments every two weeks), Pay Monthly (a 40% deposit followed by three monthly payments), or Pay in 30 days (settle the full fare in one payment 30 days later). Which plans you're offered depends on your approval and the fare, since all three plans require credit subject to status and approval. Check credpal.com for the most current terms before you book.
All of them. Credpal is a payment method built into the Laters.com checkout rather than something individual airlines switch on, so every airline we sell can be booked using Pay in 4, Pay Monthly, or Pay in 30 days. Availability of a plan still depends on approval, since each option notes that credit is subject to status and approval. Pick your flight first, then choose Credpal at payment to see what you're offered.
No. Laters.com does not add a payment surcharge or booking fee for using Credpal, so the fare shown is the same one you'd pay by card. That said, a missed Pay in 30 days payment can trigger a late fee, and Pay Monthly is a financing plan where credit is subject to status and approval, so the cost of the credit itself is separate from the fare price. Confirm current fee details on credpal.com before booking.
Your e-ticket is issued once Credpal approves your chosen plan and confirms the first payment, whether that's the initial instalment on Pay in 4 or the 40% deposit on Pay Monthly. Airline seats aren't held indefinitely during approval, so completing checkout on Laters.com promptly matters. Because approval is required rather than guaranteed, timing can vary slightly between travellers and plans. If your ticket hasn't arrived after approval, check your Laters.com booking confirmation email and spam folder first.
It can involve one. Credpal plans are offered subject to status and approval, which means a credit check is part of the process for Pay in 4, Pay Monthly, and Pay in 30 days. This matters because being declined or approved for a smaller amount than the fare is a real possibility, not a formality. Review Credpal's eligibility criteria on credpal.com before you rely on approval to secure a fare.
Not when you pay on time do you avoid extra costs. Missing a payment on Pay in 4, Pay Monthly, or Pay in 30 days can bring a late fee, and missed payments may be reported to credit reference agencies, which can affect your credit standing going forward. This applies whether the missed instalment is a fortnightly Pay in 4 payment or the lump sum due at 30 days. Set reminders around your due dates and check credpal.com for the exact fee amounts.
Availability runs by the country you're booking from rather than the route you're flying, and Credpal's core market is Nigeria. Laters.com shows you which of the Pay in 4, Pay Monthly, or Pay in 30 days plans apply based on your booking country at checkout. Because credit products vary by market and change over time, confirm current country availability directly on credpal.com before assuming a plan will be offered.
Pay Monthly suits a bigger fare best. It spreads the cost with a 40% deposit followed by three monthly payments, which is a longer runway than the two-week rhythm of Pay in 4 or the single lump sum of Pay in 30 days. Because it's a financing plan, credit is subject to status and approval, and the deposit still needs to be affordable upfront. Compare all three plans at Laters.com checkout against your budget before deciding.
It can. Because Pay in 4, Pay Monthly, and Pay in 30 days are all offered subject to status and approval, applying involves a credit check that may leave a record. Paying on schedule generally won't hurt your standing, but a missed payment may be reported to credit reference agencies and can affect your credit score. Treat any Credpal plan as a credit commitment, not a routine payment choice, and check credpal.com for how it reports activity.
Your repayment schedule doesn't stop automatically just because the flight does. Whether you're on Pay in 4, Pay Monthly, or Pay in 30 days, instalments are typically still due on their original dates until Credpal processes the refund and adjusts your balance, so continuing to pay while a refund is pending avoids a late fee and a possible credit reference agency mark. Contact Laters.com about the booking cancellation and Credpal directly about the payment adjustment, since the two are handled separately.
Yes. Credpal's plans apply to the fare total rather than to the specific route, so a multi-stop or international itinerary is billed the same way as a single direct flight would be under Pay in 4, Pay Monthly, or Pay in 30 days. What actually determines which plans you see is the country you're booking from on Laters.com, not where the flight goes. Since every plan is subject to status and approval, confirm eligibility for the fare amount before assuming a plan will cover it.
Not automatically free of risk, no. Pay in 30 days asks for nothing upfront and defers the full fare to a single payment 30 days later, but the plan is still subject to status and approval, and missing that one payment can bring a late fee and a mark reported to credit reference agencies. The deferred balance is the whole fare, not a discounted amount, so budgeting for the full sum by the due date is what makes it work. Check credpal.com for the current fee schedule.
That depends on the airline's own loyalty terms, not on Credpal. Because Credpal sits at the Laters.com payment step rather than changing how the airline processes your ticket, miles and tier point accrual should follow the airline's usual rules for the fare class you buy on Pay in 4, Pay Monthly, or Pay in 30 days. Confirm accrual specifics with the airline directly, since Laters.com and Credpal don't set loyalty program rules.
Yes, in principle. Credpal's plans, Pay in 4, Pay Monthly, and Pay in 30 days, apply to the total fare rather than to a particular cabin, so a business class ticket is eligible the same way an economy one is. A higher fare means a larger deposit under Pay Monthly or a bigger lump sum due under Pay in 30 days, and approval is never guaranteed since all plans are subject to status. Check affordability against your budget before committing to a premium fare.
You'll typically need to set one up or link one during checkout if you don't already have it, since Pay in 4, Pay Monthly, and Pay in 30 days all run through Credpal's own approval process rather than through Laters.com directly. Approval is subject to status and isn't guaranteed just because you've created an account. Visit credpal.com to see current account setup requirements before you start a booking you intend to pay for this way.
CredPal is a Nigerian buy now, pay later lender that has become one of the more familiar names for spreading the cost of everyday spending, including flights, across West Africa. It started as a way to help shoppers split card and online purchases, and travel has grown into one of the categories people reach for it most, since a fare booked months ahead is easier to swallow in pieces than in one card swipe.
CredPal was founded in Lagos and has operated under that name as it built out its lending and checkout technology in Nigeria. We understand it operates as a licensed consumer lender in its home market, though as with any credit provider, its authorisations, ownership structure and standing can change, and CredPal's own site is the place to confirm current status rather than a page like this one. Fintech lenders in emerging markets often see swings in funding and growth that don't always make headlines, so treat any claim of steady, uninterrupted expansion with a raised eyebrow until CredPal confirms it directly. Only borrow what you're confident you can repay on schedule, wherever you are.
Booking is straightforward in outline: search your route on Laters.com, choose CredPal at checkout, and pick a plan, then your e-ticket is issued once payment is approved. CredPal's plans on this page include Pay in 4, Pay Monthly (a deposit followed by monthly instalments), and Pay in 30 days. Some of these carry no interest when paid on time, but a credit check and approval apply, and any plan you don't repay on schedule can end up costing more than the fare itself.
Laters.com is the merchant of record for this booking and issues the ticket, while CredPal is the payment method and the lender rather than the seller of the flight. There's no payment surcharge and no booking fee for paying this way, so the fare shown is the same fare you'd pay by card. You don't need a credit card to book when you choose CredPal: CredPal settles the fare with the airline on your behalf, and your repayments go to CredPal, not to Laters.com, on whichever schedule you selected at checkout.
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.
Credit subject to status and approval. Provided by Dawakin Kudu Microfinance Bank Ltd, regulated by the Central Bank of Nigeria. Available to Nigerian residents only. 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. 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.
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