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Pay in 3 interest-free instalments: one now, then at 30 and 60 days
in3 flights
Can You Use in3 for Flights?Yes, in3 Works on Any Airline on Laters.com
Yes, you can use in3 to book flights and buy plane tickets for any airline, on any route, in any fare class, as long as you check out through Laters.com. in3 does not need to be built into the airline's own payment page for you to spread the cost. There is no payment surcharge and no booking fee for choosing it at checkout, though it is still a credit product, so read the plan terms before you confirm.
Most airlines never added in3 to their own checkout, and that is exactly the point. KLM and Transavia flying out of the Netherlands, Ryanair and easyJet across short-haul Europe, and long-haul names like Emirates and Turkish Airlines all leave payment splitting off their own sites. Book any of them through Laters.com instead: pick in3 at our checkout, choose the plan that fits the budget, and the e-ticket is issued once payment is confirmed. It works as a payment method built into our checkout, not a redirect elsewhere.
in3 currently runs its pay-in-3 plan, split across three instalments with no interest, though it remains a form of credit and is subject to approval, with an age requirement of 18 or over (in3's own terms specify 20+ for Dutch residents). That range covers a long-haul business-class seat and a short domestic hop alike, since the plan follows the fare, not the airline. Availability varies by market, so confirm your country on in3's site before booking. Zilch is also accepted at our checkout, if you want to weigh the two side by side.
in3 flights on Laters.com: key facts
Countries with in3 checkout
1
Plan types published
Up to 1
APR on short-term plans
0%
Figures as published by in3, verified against in3’s country terms.
in3 plans by country
in3 Flight Booking: Available Countries
in3's flight booking coverage on Laters.com sits squarely in the Netherlands, reflecting where this Dutch provider, now part of TrueLayer, actually operates rather than a broader European footprint. Since in3 markets its Pay in 3 plan as a single-country product, in3 checkout on Laters.com is available in every market in3 operates in. A fare booked through in3 settles in euro, charged in your local currency rather than converted at checkout. The grid below is built from in3's own published country terms, not from our estimate of them. 1 market offers interest-free instalments.
Netherlands
in3 (a TrueLayer company) markets "betalen in 3 termijnen" / Pay in 3 in the Netherlands only, settling in euro; its consumer terms require a Dutch billing and delivery address.
in3 – Pay in 3
Plans as published by in3 for Netherlands (NL), verified .
The short-term instalment plan behind this grid is called Pay in 3 in the Netherlands, the only market where in3 currently publishes terms, so there are no other markets or labels to reconcile it against here. It works by taking one instalment at purchase and further instalments at fixed intervals afterward, with no interest when paid on time, though approval is not guaranteed and a credit check may still apply even without formal credit registration. Limits and terms differ by country and are shown by in3 at checkout, so check the details there before booking.
Compare pay-later options
More Ways to Pay Later for Flights
Here's the thing about in3: it only lives in the Netherlands, and it only does one plan, three equal payments over sixty days. That's fine if you're Dutch and that's all you need. But both in3 and Zilch sit at the Laters.com checkout, so this isn't a matter of hunting down some other app after the fact, it's a straight choice you can make right here. in3 offers a single pay-in-3 structure with no interest for the consumer, while compare Zilch for flights on Laters.com runs its own pay-in-4 model, useful if you're outside the Netherlands or want a plan in more instalments. If in3 isn't available where you are, these are the other providers that can spread the cost of your flight.
With in3 you split a fare into equal instalments rather than paying the whole ticket at once. This is a credit arrangement, and even where a plan is advertised as interest-free, in3 still runs a check before approving you, so approval is never guaranteed.
Your flight
$500
⭐Most popular
in3 – Pay in 3
Per instalment
$166.671st at checkout, then 30 and 60 days, 3 times
Due today
$166.65if approved
Total you pay
$500.00no interest
0% APR · 33.33% upfront · 2 months
in3 – Pay in 3 splits your fare into three equal parts, the first taken at checkout and the rest following on a set schedule. It stays interest-free and fee-free when each instalment lands on time, but miss one and a reminder period applies, after which standard Dutch collection costs may follow. Consumer terms: first instalment paid immediately at purchase (via iDEAL), second within 30 days, third within 60 days, with no interest and no fees for the consumer; late payment triggers a reminder with a 14-day cure period, after which statutory Dutch collection costs may apply. Eligibility per the terms requires a Dutch billing/delivery address and age 20+.
in3 currently repays only within the Netherlands, where the plan settles in euros and you deal directly with in3 (a TrueLayer company) rather than the airline. Your e-ticket is issued in full at booking, before any instalment beyond the first is due.
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: in3
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.
1Repayment Flexibility
2Interest Rate
3Eligibility
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 in3's published plan terms, its Netherlands-only eligibility criteria for flight bookings, and independent research into its consumer terms; no brand pays to be rated on Laters.com. 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.
in3 offers a single plan: three equal instalments at 0% interest, the first taken at checkout via iDEAL, then at 30 and 60 days. It operates in the Netherlands only, settles in euro, and requires a Dutch billing and delivery address. There is no BKR credit registration on this plan, though late payment can trigger statutory Dutch collection costs.
What works well
0% interest on all 3 instalments, no substitute fee
No BKR credit registration required for Pay in 3
First payment split into 3 equal parts over 60 days
What to watch
Only 1 plan available: Pay in 3
Restricted to the Netherlands, settled in euro
Requires Dutch billing and delivery address
Late payment can add statutory Dutch collection costs
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility7/10
One plan, Pay in 3, three equal instalments over 60 days at 0% interest. There is no longer-term financing option and no basket minimum or maximum disclosed, so travellers get one shape of repayment, not a choice between shapes.
Interest Rate9/10
Pay in 3 carries 0% interest with no fee substituting for it, per the consumer terms. It is held out of a 10 because late payment triggers statutory Dutch collection costs after the 14-day cure period, so the cost is not zero in every scenario.
Eligibility7/10
in3 is available only in the Netherlands, with plans settled in euro and a requirement for a Dutch billing and delivery address. That is a single market against Laters.com's wider footprint, so most travellers outside the Netherlands cannot use it at all.
Approval Process9/10
Pay in 3 involves no BKR credit registration, so it sits outside the Dutch credit bureau check most shoppers worry about. It is not a 10 because eligibility still requires age 20+ and a Dutch address, and the first instalment is taken immediately via iDEAL before the ticket is confirmed.
The editorial take
Strongest on
Interest rate: Pay in 3 runs at 0% with no fee standing in for it, undercut only by collection costs if a payment is missed.
Held back by
One plan, one market. Pay in 3 is the only shape on offer, and it is confirmed for the Netherlands with a Dutch address requirement, so the booking journey narrows fast.
Which plan
Pay in 3 for a fare to settle within two months.
This table prices the same fare on in3's Pay in 3 plan. The fare itself does not move: Laters.com adds no booking fee or surcharge for choosing to pay this way. Availability is confirmed for the Netherlands.
Plan
Due today
Then
You pay in all
Cost of credit
in3 – Pay in 32 months at 0% APR
$333.30
$333.33 1st at checkout, then 30 and 60 days, 2 times
$1,000.00
Nothing
What else can cost you
Booking fee
Laters.com adds no extra charge for paying with in3 instead of in one go.
Late payment
A missed instalment triggers a reminder with a 14-day cure period before statutory Dutch collection costs may apply.
Credit registration
Pay in 3 involves no BKR credit registration, per in3's published consumer terms.
Currency settlement
Pay in 3 settles in euro, so bookings outside the eurozone may involve separate conversion by your card provider.
Refunded flight
How a cancelled or refunded fare affects an active instalment plan should be confirmed with in3 directly.
This worked example is an illustration, not a quote. What a traveller is actually offered depends on approval and on the market they book from, and every provider on Laters.com is costed against the same rows so plans can be compared fairly.
Where in3 leads
0% interest on all 3 instalments, no substitute fee
No BKR credit registration required for Pay in 3
First payment split into 3 equal parts over 60 days
Before you apply
in3's Pay in 3 plan requires a Dutch billing and delivery address, so travellers outside the Netherlands are not eligible.
Pay in 3 does not involve a BKR credit registration, so this specific plan is not scored against the Dutch credit bureau.
Terms indicate a minimum age of 20, but readers should confirm current eligibility rules on in3's own website before booking.
There is no basket minimum or maximum disclosed for Pay in 3, but very low-cost fares should still be checked at checkout.
The same 4 steps apply on every airline and every route on Laters.com.
1
Search and book
Search for your flight and book it at the price shown that day. Laters.com is the travel agent selling the ticket, and you fly as the airline's own passenger, with a confirmed booking from the outset.
2
Choose in3
Choose in3 on the payment screen and pick a plan. in3 reviews your details and gives its decision at checkout. Approval is not guaranteed, so have a backup payment method ready.
3
Pay over time
Repay in equal instalments over a short deferred schedule. Some in3 plans carry interest, and a credit check applies. Manage repayments directly through in3's own app or website, not through Laters.com.
4
Let’s fly
Your e-ticket is sent by email once payment is confirmed. It's tied to your confirmed booking, not your final instalment. You fly on schedule while the plan runs its course.
Laters.com vs booking direct
Why Book Your in3 Flights on Laters.com?
Most airlines don't offer in3 at their own checkout, and the handful that do set their own rules. On Laters.com, in3 is built into one checkout that covers every airline we sell, so the plan you get doesn't depend on who's flying you there.
Laters.com compared with booking direct with the airline
What you get
Laters.com
Book direct with the airline
in3 built into checkout on all 650+ airlines
✓
Very few
The same in3 plans, whichever airline you fly
✓
✕
Compare every airline in one search, then pay with in3
✓
✕
Official in3 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 in3
✓
Varies
Whichever airline operates your flight and whichever plan in3 approves, the booking is with Laters.com. That means one point of contact if your flight changes or a refund is due, alongside the usual credit check and repayment schedule that come with any in3 purchase.
Fees, refunds, credit checks and eligibility
FAQs: Using in3 to Book Flights
Everything you need to know about paying for flights with in3 on Laters.com.
01Can I book flights with in3 on Laters.com?
Yes. Laters.com lets travellers with a Dutch billing and delivery address check out with in3's Pay in 3 plan, which splits the fare into three equal instalments over 60 days at 0% interest. The first instalment is paid at checkout via iDEAL, with the remaining two due at 30 and 60 days. Outside the Netherlands, in3 does not currently appear as a checkout option, so confirm eligibility on in3's own site before booking.
02Which airlines can I use in3 with on Laters.com?
Every airline sold on Laters.com. In3 is a payment method offered at our checkout rather than something individual carriers switch on themselves, so if you can find the flight on Laters.com, you can pay for it with in3's Pay in 3 plan, provided you meet the Dutch address and age-20-plus requirements. There is no separate list of participating airlines to check, because the plan attaches to the transaction, not the ticket.
03Does paying with in3 cost more than paying by card?
No. Laters.com does not add a payment surcharge or booking fee for choosing in3, so the fare shown is the same one you would pay by card. The Pay in 3 plan itself carries 0% interest and no fees for the consumer when paid on time, though a missed instalment triggers a reminder and, after a 14-day cure period, statutory Dutch collection costs may apply. There is no interest-bearing version of this plan on Laters.com.
04When will I get my e-ticket if I pay with in3?
Your e-ticket is issued once in3 confirms and approves your first instalment payment at checkout, the same point at which any other payment method would trigger ticketing. Because the Pay in 3 plan takes its first payment immediately via iDEAL, there is no waiting period built into the plan itself for ticket issuance. Delivery timing can still vary slightly by airline and fare type, so check your booking confirmation on Laters.com for the exact status.
05Does in3 run a credit check when I book a flight?
It runs an eligibility check rather than a full credit assessment. The Pay in 3 plan involves no BKR credit registration in the Netherlands, but you still need to meet in3's own consumer terms, including a Dutch billing and delivery address and a minimum age of 20. Approval is never guaranteed, and missing a payment can still lead to collection costs even without a formal credit registration, so treat this as real credit and budget accordingly.
06What happens if I miss an in3 instalment payment?
You get a reminder first, then a 14-day window to pay before further action. Under in3's consumer terms, missing an instalment on the Pay in 3 plan triggers a reminder with a 14-day cure period, after which statutory Dutch collection costs may apply on top of the original fare. While Pay in 3 does not involve BKR credit registration, unresolved missed payments and added collection costs can still affect your finances, so pay on the 30- and 60-day dates you agreed to at checkout.
07Which countries can I use in3 from on Laters.com?
The Netherlands only. In3 markets its Pay in 3 plan specifically to Dutch consumers, settles in euro, and its terms require both a Dutch billing address and a Dutch delivery address to qualify. Travellers booking from outside the Netherlands will not see in3 as a payment option at Laters.com checkout, and should check payin3.eu for any future changes to that footprint.
08Which in3 plan should I pick for an expensive long-haul fare?
Pay in 3 is currently the only plan in3 offers, so it is also the one to use for a long-haul fare, spreading the cost over three equal instalments across 60 days at 0% interest. There is no separate long-term financing option or higher basket-limit plan published for in3 at this time. For a large fare, confirm with in3 or on payin3.eu whether your specific booking value is supported before relying on it at checkout.
09Will using in3 for a flight affect my credit score?
Not when you pay on time. In3's Pay in 3 plan involves no BKR credit registration in the Netherlands, so on-time repayment is not expected to show up on your Dutch credit file in the way a loan would. However, a missed instalment still triggers statutory Dutch collection costs after a 14-day cure period, and unresolved debt collection can affect your broader financial standing even without a formal credit registration.
10What happens to my in3 instalments if my flight is cancelled or refunded?
Any instalments you have already paid toward the fare would be refunded through the airline's normal refund process, and future instalments due on the Pay in 3 schedule would stop once the booking and payment are settled with in3. Refund timing and any airline cancellation conditions still apply on top of this, since in3 finances the fare rather than the booking terms. Contact Laters.com support and check payin3.eu for how a specific refund is processed against your remaining instalments.
11Can I use in3 for international or multi-stop flight itineraries?
It can. The Pay in 3 plan applies to the total fare value rather than to the route or number of stops, so an international or multi-stop itinerary is financed the same way as a single domestic hop. What actually determines whether in3 appears at checkout is the country you are booking from, which for in3 means a Dutch billing and delivery address, not where the flight itself is going. Check eligibility on payin3.eu if you are unsure.
12Is a 0% interest in3 plan really free, or is there a catch?
Pay in 3 genuinely carries 0% interest and no consumer fees when every instalment is paid on schedule. The catch appears only if you miss a payment: in3's terms provide a reminder and a 14-day cure period, after which statutory Dutch collection costs can be added to what you owe. So the plan is free in the sense of no interest and no upfront fees, but it is still a credit commitment with three fixed due dates you need to meet.
13Do I need an existing in3 account to book a flight on Laters.com?
You typically set up your in3 arrangement during checkout on Laters.com rather than needing a pre-existing account beforehand. The Pay in 3 plan takes your first instalment via iDEAL at the point of purchase, which is also when your eligibility, including your Dutch address and age of 20 or over, gets confirmed. For exact account or registration requirements, check current details on payin3.eu before you book.
14How do I keep track of my in3 repayments after booking a flight?
In3 manages the Pay in 3 schedule directly, sending reminders ahead of your 30-day and 60-day instalments after the first payment is taken at checkout via iDEAL. Since the plan runs over a fixed two-month term with just three equal payments, there is no ongoing app-based tracking beyond those reminders described in in3's consumer terms. For the most current way to view or manage your instalments, check payin3.eu directly.
15Do airline sale fares and promotional prices still work with in3?
Yes. In3 is a payment method applied at Laters.com checkout, so it sits on top of whatever fare, including a sale or promotional price, the airline has published, and Laters.com does not add any surcharge for choosing it. The Pay in 3 plan simply splits whatever total you owe into three equal instalments at 0% interest, so a lower promotional fare means lower instalments, not a different plan structure.
Rated 4.8 on Google
What Travellers Say
Real stories from travellers who found and booked their flights through Laters.com, sharing how the search and booking experience worked for their trip.
in3 is a Dutch payment method that lets shoppers split a bill into three parts, and it now sits inside checkouts across a wide range of Netherlands-based retail, including travel. Flights are one of the newer categories to appear alongside it, sitting next to the everyday purchases the brand built its name on.
The company was founded in the Netherlands, where it built its "betalen in 3 termijnen" model before becoming known simply as in3. It has since been acquired by TrueLayer, the open banking firm, which now owns and operates it as part of a broader payments business rather than as a standalone lender. That move brought in3 under a larger, better-capitalised owner after years of trading independently, a shift worth noting alongside its growth, since ownership changes of this kind reshape how a payment method is run and supported even when the product a shopper sees at checkout stays the same. in3 is not publicly listed itself; it operates as part of TrueLayer's group. For current licensing detail and terms, check in3's own site.
Whatever the instalment plan, only commit to a schedule you're confident you can keep up with, since missed payments carry consequences even on a 0% plan.
Booking with in3 on Laters.com
Search your route on Laters.com, select in3 at checkout, and choose Pay in 3, the plan on offer for this method: three equal instalments at 0% interest, the first paid at the moment of booking and the remaining two due within 30 and 60 days. Your e-ticket is issued once payment is approved. This plan carries no interest when the schedule is kept, but it is still a form of credit, and eligibility rules such as a Dutch billing and delivery address and a minimum age apply.
Laters.com is the merchant for this booking and the one issuing your ticket; in3 is the payment method and the credit provider, not the seller of the flight. Laters.com Group Limited operates Laters.com under travel-agent licence LG-9284-TA, so the ticket is sold by a licensed agent rather than an unnamed intermediary. There's no payment surcharge and no booking fee for choosing in3 over a card, so the fare stays the same either way. You don't need a credit card to book: in3 settles the fare with the airline on your behalf, and your repayments go to in3, not to Laters.com.
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 in3 button at any airline checkout. Our full guide answers them.
How BNPL underwriting reaches a decision in the seconds after you choose in3
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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
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.
in3 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. 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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