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    Book flights across 650+ airlines and pay later, your way. Split the cost, pay in 4, or spread larger fares, with 40+ providers in a single checkout.

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    Fly Fairly Pte. Ltd., 105 Cecil Street, #18-18, The Octagon, Singapore 069534
    Singapore Travel Agent LicenceTA04059
    hoolah service discontinued✦Other BNPL partners available✦No hidden booking fees

    Book hoolah Flights

    hoolah is no longer available for flight bookings. Laters.com still lets you split fares with other pay-later partners, subject to approval and credit checks.

    hoolah flights

    Can You Use hoolah for Flights?No, hoolah Is No Longer Available on Laters.com

    No. hoolah has been discontinued and can no longer be used to book flights or buy plane tickets, on Laters.com or anywhere else. hoolah was a Singapore-based buy now, pay later service that let shoppers split purchases into interest-free instalments before it was acquired by ShopBack in late 2021 and wound down. If you were hoping to spread the cost of a fare this way, that option is off the table now. Explore buy now pay later partners of Laters.com

    hoolah once let travellers split fares across a handful of Southeast Asian markets, but the service never operated as a universal, airline-independent checkout option the way some other buy now, pay later providers do today. With hoolah gone, that route to booking a flight, any airline, any route, any fare class, no longer exists. There is no hoolah button to select at checkout, no plan to pick, and no e-ticket to expect on the back of it.

    There is no pay-in-3 plan, no interest-free schedule, and no approval process to describe here, because the provider itself has shut down. If you still want to split the cost of a flight, Laters.com offers other buy now, pay later partners at checkout, including Billease, each with its own plans, credit checks and terms worth reading before you book.

    hoolah flights on Laters.com: key facts

    Plan types published
    Up to 1
    APR on short-term plans
    0%

    Figures as published by hoolah, verified 12 August 2026 against hoolah’s country terms.

    Compare pay-later options

    More Ways to Pay Later for Flights

    hoolah is no longer available, but that doesn't close the door on paying for a flight over time. Laters.com checkout still runs on partners who took the shape hoolah pioneered, mainly the pay-in-3 or pay-in-4 split, and pushed it further across more markets. Billease, for one, is built around a pay-in-4 product with its strongest footing in the Philippines, a market hoolah never served: compare Billease for flights on Laters.com. If hoolah isn't available where you are, these are the other providers that can spread the cost of your flight.

    Billease

    Pay in 4 instalments

    Billease splits a fare into instalments and approval isn't guaranteed, so a credit check typically applies before you're cleared to book.

    Strongest coverage in the Philippines

    Klarna

    Pay in instalments

    Klarna offers several ways to spread a fare, and some plans carry an APR while others don't, so it's worth checking your plan's terms before you book. A credit check may run as part of approval.

    Coverage varies by country, check Laters.com checkout for availability

    Afterpay

    Pay in 4 instalments
    Afterpay

    Afterpay splits your flight cost into instalments, with approval and a credit check involved before checkout confirms. Missed payments can bring fees, so it pays to stay on schedule.

    Coverage varies by country, check Laters.com checkout for availability

    Zip

    Pay over time
    Zip

    Zip lets you book now and pay down the fare on a schedule, subject to approval and a credit check. Fees may apply if a payment is missed.

    Coverage varies by country, check Laters.com checkout for availability

    Tabby

    Pay in instalments
    Tabby

    Tabby splits the cost of a flight into instalments, with approval based on a credit check rather than automatic for every traveller. Missing an instalment can trigger a fee.

    Coverage varies by country, check Laters.com checkout for availability

    Affirm

    Longer monthly financing
    Affirm

    Affirm spreads a fare across monthly payments, and some plans carry an APR depending on the terms you're offered after a credit check. Approval isn't guaranteed for every traveller.

    Coverage varies by country, check Laters.com checkout for availability

    40+ProvidersEvery fly now pay later providerhoolah is one of more than forty buy now, pay later providers we score on how well they actually work when you are booking a flight.Compare fly now pay later providers→
    hoolah plans explained

    Split Your Flight, Pay Over Time with hoolah

    hoolah is no longer available for booking flights, so there's no fare-splitting mechanic to describe here. Laters.com still lets you spread the cost of a flight with other payment partners at checkout, some of which carry interest and a credit check. Head to checkout to see which options are offered on your route.

    Your flight

    $500

    ⭐Most popular

    Pay in 3

    Per instalment
    $166.67monthly, 3 times
    Due today
    $166.65if approved
    Total you pay
    $500.00no interest

    0% APR · 33.33% upfront · 2 months · late fee Singapore: SGD 5 / SGD 15 / SGD 30 per missed instalment by order value; Malaysia: RM 7.50 / RM 25 / RM 75

    This plan is discontinued and hoolah is no longer available, so it cannot be used to split a flight today, whether interest-free or otherwise. Choose another payment partner at checkout to spread the cost of your fare. DISCONTINUED — hoolah is no longer available. Historically: hoolah's Singapore Purchase Payment Contract stated the first instalment was payable one calendar day after purchase, with the second and third due 30 and 60 days after purchase; Malaysian terms listed order creation fees and charges as nil.

    hoolah's Pay in 3 plan is discontinued and can no longer be used to book flights on Laters.com. For a working way to split a fare, choose one of the [other payment partners](https://laters.com/fly-now-pay-later) shown at checkout.

    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.

    Independently scored, no paid placement

    Laters.com Payment Score: hoolah (service discontinued)

    What is the Laters.com Payment Score?

    Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.

    1. 1Repayment Flexibility
    2. 2Interest Rate
    3. 3Eligibility
    4. 4Approval Process

    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 hoolah's published rates and plan terms while the service operated, plus its historic eligibility criteria for flight bookings; no brand pays Laters.com to be rated, and hoolah is flagged here as discontinued rather than scored as a live option. 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.

    payment hoolah score

    7.5/10

    Laters.com Payment Score

    Repayment Flexibility
    7
    Interest Rate
    9
    Eligibility
    7
    Approval Process
    7

    hoolah is no longer available, so this score is historical record, not a live offer. Where it operated, its one plan split a fare into 3 interest-free instalments over 60 days, with Singapore late fees of SGD 5/15/30 and Malaysian fees of RM 7.50/25/75 by order value. Travellers booking today should pick an active partner at checkout instead.

    What works well

    • 3 equal instalments at 0% APR over 60 days
    • Nil order creation fees and charges in Malaysia
    • First instalment due just one day after purchase
    • Operated across Singapore, Malaysia and Hong Kong

    What to watch

    • hoolah is discontinued; it cannot be used at checkout
    • Late fees applied: SGD 5-30 or RM 7.50-75
    • Only ever covered three Southeast Asian markets
    • No long-term or higher-value plan was ever offered

    4 measures, scored the same way for every provider at our checkout.

    Repayment Flexibility7/10

    hoolah offered a single shape: Pay in 3, three instalments over 60 days (today, day 30, day 60). No longer-term financing plan existed alongside it, so travellers had one fixed structure with no basket range disclosed.

    Interest Rate9/10

    Pay in 3 carried 0% APR with, per Malaysian terms, order creation fees and charges listed as nil. The deduction: costs still applied on missed instalments (SGD 5/15/30; RM 7.50/25/75), so it wasn't cost-free in every scenario.

    Eligibility7/10

    hoolah operated in Singapore, Malaysia and Hong Kong, three markets, not the wider Laters.com footprint. Coverage was regional rather than global, and the service is now discontinued everywhere, so eligibility is zero in practice.

    Approval Process7/10

    Singapore's Purchase Payment Contract had the first instalment due one calendar day after purchase, pointing to a checkout-speed decision. No hard-check details were disclosed either way, and the plan is now withdrawn, so approval can no longer be tested.

    40+ScoredFly now pay later provider scoreshoolah is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores→
    From search to e-ticket

    How to Book Flights with hoolah on Laters

    The same 4 steps apply on every airline and every route on Laters.com.

    1. 1

      Search and book

      Search and compare fares, then book. Laters.com, the travel agent selling your ticket, confirms your booking at that day's price, so you hold a confirmed reservation as the airline's own passenger from the start.

    2. 2

      Choose hoolah

      hoolah is discontinued and can no longer be selected at checkout. Choose another payment partner instead; each one still gives its own checkout decision, and approval is never guaranteed.

    3. 3

      Pay over time

      hoolah no longer offers instalments, a deferred balance or longer monthly repayment, and no credit check or interest applies through it. Repayment on any active payment partner is made directly to that provider, managed in its own app or website, not by Laters.com.

    4. 4

      Let’s fly

      hoolah cannot issue e-tickets for new bookings. Your e-ticket is sent by email once payment through an active partner is confirmed. The ticket ties to your confirmed booking, so you fly on schedule while any plan runs.

    Laters.com vs booking direct

    Why Book Your hoolah Flights on Laters.com?

    hoolah is no longer available for flight bookings, so it cannot appear in the checkout for any airline we sell. Pick another buy now, pay later partner at checkout and the same one-search comparison still applies.

    Laters.com compared with booking direct with the airline
    What you getLaters.comBook direct with the airline
    hoolah built into checkout on all 650+ airlines✓Very few
    The same hoolah plans, whichever airline you fly✓✕
    Compare every airline in one search, then pay with hoolah✓✕
    Official hoolah 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 hoolah✓Varies

    Whichever partner you choose instead, Laters.com stays the merchant behind the ticket: one party handles the booking, any changes and any refund, regardless of which airline operates the flight or which plan approves your payment. That means one point of contact if a flight shifts or a payment plan needs sorting, with the usual credit check and possible interest still applying to whichever plan you pick.

    Fees, refunds, credit checks and eligibility

    FAQs: Using hoolah to Book Flights

    Everything you need to know about paying for flights with hoolah on Laters.com.

    01Can I still book flights with hoolah on Laters.com?

    No. hoolah is discontinued and is no longer offered as a payment option at checkout on Laters.com or anywhere else. Historically, hoolah's flagship offer was Pay in 3, which split a fare into three equal instalments due on the day of purchase, at 30 days, and at 60 days. If you're booking now, head to checkout on Laters.com to see the active buy now pay later partners currently available for your route and country.

    02Which airlines can I still pay for with hoolah?

    None, because hoolah no longer operates as a payment method anywhere, including at Laters.com checkout. When it was active, hoolah worked as a checkout-level payment method rather than something individual airlines switched on, so every airline sold through a partner site could theoretically be paid this way. That structure no longer matters since the service itself has shut down. Check Laters.com checkout for the BNPL partners now available for airline bookings.

    03Did paying with hoolah used to cost extra on flights?

    No, historically paying with hoolah added no separate payment surcharge or booking fee on top of the fare. Its Pay in 3 plan carried a 0% APR and was structured as interest-free, though Malaysian terms listed order creation fees and charges as nil while Singapore applied late fees of SGD 5, SGD 15 or SGD 30 per missed instalment depending on order value. Since hoolah is discontinued, none of this applies today, so compare current surcharge and fee terms among the active BNPL options at Laters.com checkout.

    04When was the e-ticket issued after paying with hoolah?

    Historically, e-tickets on hoolah-funded bookings were issued once the first instalment and approval cleared, the same pattern used across most instalment checkout methods. hoolah's Purchase Payment Contract for Singapore had the first instalment due one calendar day after purchase, with the remaining two due at 30 and 60 days. Because hoolah is no longer available, this timing no longer applies to any live booking. For current e-ticket timing, check the payment method you actually select at Laters.com checkout.

    05What kind of credit check did hoolah run for flight bookings?

    hoolah's approval process for its Pay in 3 plan was generally described as a lighter-touch check compared with traditional financing, consistent with short-term pay-in-3 style products in the region. Approval was never guaranteed, and applicants could be declined based on the information hoolah reviewed at checkout. This is now moot since hoolah has shut down and no longer processes any applications. If you're comparing credit checks on active BNPL partners, review the specific terms for each provider at Laters.com checkout before booking.

    06What happened if you missed a hoolah payment on a flight booking?

    Missing an instalment under hoolah's Pay in 3 plan triggered a late fee: SGD 5, SGD 15 or SGD 30 per missed instalment in Singapore depending on order value, or RM 7.50, RM 25 or RM 75 in Malaysia. Missed payments on BNPL plans generally can be reported to credit reference agencies and can affect your credit standing, a risk that applied to hoolah while it operated. Since hoolah no longer exists, no new missed-payment consequences can accrue on it now. Always read the missed-payment terms of any active plan you choose at Laters.com checkout.

    07Which countries could travellers use hoolah from when booking flights?

    hoolah operated in Singapore and Malaysia, with its Pay in 3 plan documented under both Singapore and Malaysian terms, alongside a presence in Hong Kong. It is no longer available in any of these markets or elsewhere, following its shutdown after being acquired by ShopBack. Travellers in these regions booking through Laters.com today should check checkout for the BNPL partners currently active for their country. Country availability always determines which plans appear, so confirm this at the point of booking rather than relying on historical hoolah coverage.

    08Which hoolah plan suited an expensive or long-haul flight fare?

    hoolah only ever offered one core plan, Pay in 3, splitting a fare into three equal payments over a 2-month term with no separate long-term or higher-value financing option. This meant it was not designed for spreading larger long-haul fares over many months the way longer-term instalment financing products are. That distinction is now historical, since hoolah has been discontinued entirely. For an expensive or long-haul booking today, compare the term lengths and instalment counts of the active BNPL partners listed at Laters.com checkout.

    09Did using hoolah affect your credit score?

    It could, depending on how missed payments were handled, though hoolah's Pay in 3 plan was generally positioned as a short-term, lower-impact product compared with longer financing plans. Missed instalments could still be reported to credit reference agencies and affect credit standing, a real risk for any BNPL-style product. Since hoolah is no longer operating, it cannot affect anyone's credit score going forward. If you're weighing credit-score impact on a live plan, check the specific credit-check and reporting terms of the BNPL partners currently offered at Laters.com.

    10What happened to hoolah repayments if a flight was cancelled or refunded?

    Under hoolah's model, a refund on a cancelled flight would typically be applied against outstanding instalments, with any remaining balance returned to the traveller, consistent with standard pay-in-3 style refund handling. Exact refund mechanics depended on the airline's cancellation policy and hoolah's own contract terms at the time. Since hoolah has shut down, this process no longer applies to any current or future booking. For refund and cancellation handling on today's bookings, check the terms of the active payment partner selected at Laters.com checkout.

    11Could hoolah be used on international or multi-stop flight itineraries?

    In principle yes, because hoolah's Pay in 3 plan applied to the total fare charged rather than to the specific route or number of stops flown. The country a traveller booked from, not the itinerary itself, determined whether hoolah's plans appeared at checkout. This is no longer relevant since hoolah is discontinued and not offered on any itinerary today. For international or multi-stop bookings now, check which active BNPL partners appear at Laters.com checkout for your country.

    12Was hoolah's pay-in-3 plan really interest-free, and what was the catch?

    Yes, hoolah's Pay in 3 plan carried a 0% APR and was structured as three equal interest-free instalments spread over a 2-month term. The catch was the late fee structure: missed instalments cost SGD 5, SGD 15 or SGD 30 in Singapore, or RM 7.50, RM 25 or RM 75 in Malaysia, depending on order value, and missed payments could be reported to credit agencies. hoolah is no longer available, so this plan cannot be used on any booking today. Compare the fee and interest terms of active interest-free style plans at Laters.com checkout instead.

    13Did airline miles or status points still accrue when paying with hoolah?

    Generally yes, because BNPL checkout methods like hoolah's Pay in 3 typically sat on top of a normal fare purchase and did not interfere with the airline's own loyalty programme rules. Whether miles or tier points accrued depended entirely on the airline's terms, not on hoolah itself. This is now a moot point since hoolah has been discontinued and cannot be selected on any booking. For a current booking, loyalty accrual still depends on the airline, regardless of which active BNPL partner you choose at Laters.com.

    14Was it safe to use hoolah for flight bookings, and where were card details held?

    hoolah operated as a licensed BNPL provider during its active years, processing payment details through its own checkout infrastructure separate from the airline or travel site. As with any BNPL provider, the underlying risk was financial rather than data-related: missed instalments could trigger late fees and credit reporting rather than card fraud. hoolah is no longer operating, so no new bookings or card details are processed through it today. For current bookings, review the payment and data-handling terms of the active BNPL partners offered at Laters.com checkout.

    Rated 4.8 on Google

    What Travellers Say

    Real reviews from real customers who booked flights with Laters.com, sharing what the booking experience was like for them.

    4.8/5 on Google Reviews
    About hoolah and Laters.com

    About Buy Now Pay Later Flights with hoolah

    Who is hoolah?

    hoolah was a Singapore-based Buy Now Pay Later provider that helped introduce pay-in-3 instalments to shoppers across Southeast Asia. At its height it worked with a wide network of merchants across the region, and flights were one of the categories travellers could split into equal payments rather than pay in one go.

    hoolah was founded in Singapore in 2018. The company built its pay-in-3 model around three interest-free instalments and grew it into one of the region's more recognisable BNPL brands, expanding into Malaysia and Hong Kong along the way. In December 2021, hoolah was acquired by ShopBack, and its technology and merchant relationships were folded into ShopBack's own offering. The hoolah service is no longer available for use, and Laters.com no longer offers it as a payment method at checkout; travellers should check hoolah's own site for any current status. Whichever payment method you choose for a flight, only borrow what you can comfortably repay on schedule.

    Booking with hoolah on Laters.com

    hoolah is no longer available as a payment method on Laters.com or anywhere else, so it cannot be selected at checkout, no plan can be chosen, and no e-ticket can be issued against it. Historically, its pay-in-3 plan split a fare into three equal instalments with no interest when paid on schedule, though as with any credit product, a missed payment could trigger a fee and eligibility depended on approval. That plan, and the service behind it, has been discontinued.

    Travellers booking on Laters.com today are still buying from Laters.com as the merchant that sells and issues the ticket, with whichever active payment method they choose acting only as the credit provider, not the seller of the flight. Paying by an alternative instalment method at checkout carries no payment surcharge and no booking fee, so the fare stays the same as paying by card. A credit card is not required to book when an instalment method is used instead, and repayment goes to the credit provider rather than to Laters.com. For a route that once might have shown hoolah as an option, travellers can compare the buy now pay later partners currently offered at checkout and pick the plan that fits.

    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.

    How pay-later credit works behind an airline checkout

    Four questions sit behind the hoolah button at any airline checkout. Our full guide answers them.

    • How BNPL underwriting reaches a decision in the seconds after you choose hoolah
    • How an airline ticket settles through IATA’s BSP and ARC
    • What a pay-later booking costs the merchant, and who carries the risk
    • How the UK, EU, US and Australian rules treat deferred-payment credit

    Read the guide →

    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.

    hoolah is a credit product

    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 hoolah’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.

    Deal alerts

    Never Miss a hoolah Flight Deal

    hoolah 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.

    Reviewed by the Laters.com payments teamUpdated 12 August 2026

    The editorial take

    Strongest on
    Interest rate: Pay in 3 ran at 0% APR with nil order creation fees and charges in Malaysia, when the service was live.
    Held back by
    Held back by discontinuation itself: hoolah wound down after its 2021 ShopBack acquisition, so no plan can be booked through it now.
    Which plan
    Pay in 3: historical record only, not bookable.

    This table would price the same fare across hoolah's plans, with no booking fee or surcharge added for paying this way. hoolah's coverage was limited to Singapore, Malaysia and Hong Kong before the service closed.

    PlanDue todayThenYou pay in allCost of credit
    Pay in 32 months at 0% APR$333.30$333.33 monthly, 2 times$1,000.00Nothing

    What else can cost you

    Order creation fee
    Listed as nil in Malaysia's historic terms, with no charge for setting up the Pay in 3 plan.
    Missed instalment fee
    Singapore charged SGD 5, 15 or 30 by order value; Malaysia charged RM 7.50, 25 or 75.
    Service availability
    hoolah is discontinued; no new plans, repayments support or fees apply going forward.
    Refunded flights
    No mechanics were supplied for how a cancelled or refunded fare affected an open instalment schedule.

    This worked example is an illustration of how hoolah once priced a fare, not a live quote, since the service is discontinued. What any active provider offers depends on market and approval, and every provider on Laters.com is costed on the same rows so they compare fairly.

    Where hoolah leads

    • 3 equal instalments at 0% APR over 60 days
    • Nil order creation fees and charges in Malaysia
    • First instalment due just one day after purchase
    • Operated across Singapore, Malaysia and Hong Kong

    Before you apply

    1. hoolah is no longer available for booking flights on Laters.com or anywhere else; choose an active payment partner at checkout instead.
    2. Where it operated, Pay in 3 was a credit-style instalment plan, and missed payments triggered fees rather than interest.
    3. Historic coverage was limited to Singapore, Malaysia and Hong Kong; no minimum age or residency figures were supplied.
    4. For any residual account or refund queries, check hoolah's own site at https://www.hoolah.co/th-en/ or contact ShopBack, which acquired the business in December 2021.

    Over a million travelers a year
    find flights on Laters.com

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