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Latitude Pay has been discontinued since February 2023, so its no longer available for new flight bookings.

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Latitude Pay flights

Can You Use Latitude Pay for Flights?No, Latitude Pay Has Been Discontinued Since 2023

No. Latitude Pay was discontinued in February 2023, and it is no longer possible to use it to book flights or buy plane tickets anywhere, on any airline, route, or fare class. Latitude Financial closed the product for new and existing customers, so there is no live checkout relationship to reference on Laters.com or elsewhere. If you were hoping to split a fare this way, that option no longer exists.

Latitude Pay once ran as a pay-in-10-weekly-instalments, interest-free product aimed at shoppers in Australia and New Zealand, but that history does not translate into flight bookings today. There is no airline, in Oceania or anywhere else, that still accepts it at checkout, whether booked direct or through a comparison platform like ours. Anyone searching for a way to fly now and pay later needs a provider that is actually still operating.

Laters.com still supports flexible ways to pay for flights, including other Buy Now Pay Later options such as Zilch, where a credit check applies, some plans carry interest, and approval is never guaranteed. If splitting the cost of a flight matters to you, browse our current fly-now-pay-later providers instead of Latitude Pay, whose service closed for good in 2023.

  1. Search flights and compare fares
  2. Choose Latitude Pay at checkout and pick a plan
  3. Fly now, pay the rest to Latitude Pay on schedule
Payment plans explained

Split Your Flight, Pay Over Time with Latitude Pay

Latitude Pay has been discontinued since February 2023, so it can no longer be used to split a fare into instalments. We keep this page for reference. If you want to spread the cost of a flight today, compare our other buy now, pay later providers instead.

Plan details are being finalised.

Latitude Pay is no longer operating, so no plan name, repayment schedule or ticketing detail applies here. For a current way to pay for flights over time, see the other providers listed on Laters.com.

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.

Laters.com vs booking direct

Why Book Your Latitude Pay Flights on Laters.com?

Latitude Pay has been discontinued since February 2023, so airlines never had to build it into their own checkout, and none do. On Laters.com you can still compare flights and pay with the providers we currently support, in one checkout that covers every airline we sell.

Whichever provider you choose instead of Latitude Pay, Laters.com is the merchant on the ticket. That means one party handles the booking, any change to it and any refund, regardless of which airline operates the flight or which plan gets approved, with the usual credit check and possible interest attached to that approval.

Laters.com compared with booking direct with the airline
What you getLaters.comBook direct with the airline
Latitude Pay built into checkout on all 650+ airlinesβœ“Very few
The same Latitude Pay plans, whichever airline you flyβœ“βœ•
Compare every airline in one search, then pay with Latitude Payβœ“βœ•
Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkoutβœ“βœ•
No surcharge and no booking fee for paying with Latitude Payβœ“Varies
Independently scored, no paid placement

Laters.com Payment Score: Latitude Pay

Cyan cartoon hand making a peace sign with black outline sticker style illustration

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 β†’

This score is drawn from Latitude Pay's published plan terms, its eligibility criteria for flight bookings, and independent research into its operating status, with no brand paying to be rated. 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.

Latitude Pay was built on 10 weekly interest-free payments, a short and rigid shape aimed at Australia and New Zealand fare shoppers. The service was discontinued in February 2023, so the plan travellers remember is no longer something Laters.com can book against.

What works well

  • 10 weekly interest-free payments carried no disclosed fee in place of interest
  • Single, easy-to-follow weekly schedule rather than a sprawl of plan choices

What to watch

  • Discontinued since February 2023: cannot be booked against today
  • Only one plan shape ever existed: 10 weekly payments
  • Coverage centred on Australia and New Zealand only
  • Trustpilot rating of 2.9 reflects mixed past traveller feedback

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

Repayment Flexibility7/10

One shape only: 10 weekly interest-free payments. No multi-month or long-term financing option ever sat alongside it, so travellers never had a second shape to choose from.

Interest Rate9/10

The 10 weekly payments carried no interest, with no offsetting fee substituting for it. Score held below 10 because no longer-term financing plan existed to test that promise against a multi-month term.

Eligibility7/10

Reach centred on Australia and New Zealand, its top region being Oceania. Discontinued February 2023, so eligibility today is zero anywhere Laters.com sells, whatever the historical footprint.

Approval Process7/10

Weekly instalments were structured for a decision near checkout rather than a drawn-out review. With the service closed since February 2023, no traveller can test that process today regardless of how it once ran.

The editorial take

Strongest on
Interest rate: the 10 weekly payments carried no interest, though that strength is now historical since closure in February 2023.
Held back by
Availability: Latitude Pay discontinued its service in February 2023, so no traveller can complete a booking with it today.
Which plan
10 weekly payments for a short-haul fare. No longer bookable since February 2023.

What else can cost you

Interest charge
None disclosed on the 10 weekly payment plan while it operated; no fee was reported to substitute for it.
Service status
Discontinued February 2023, so no new fees, late charges or account terms currently apply anywhere.
Credit file impact
A credit check historically applied at signup; travellers should not assume any current impact given closure.
Refunded flight
Historical plan terms for a cancelled or refunded fare are unconfirmed post-closure; check latitudepay.com for account-specific guidance.

Where Latitude Pay leads

  • 10 weekly interest-free payments carried no disclosed fee in place of interest
  • Single, easy-to-follow weekly schedule rather than a sprawl of plan choices

Before you apply

  1. Latitude Pay is closed and cannot be selected for new flight bookings on Laters.com.
  2. When active, it served the Australia and New Zealand market primarily, with limited reach beyond Oceania.
  3. The 10 weekly payment plan was interest-free by design, though a credit check historically applied at signup.
  4. Confirm any residual account terms directly at latitudepay.com, since Laters.com cannot verify closure-period rules for individual markets.
40+ScoredFly now pay later provider scoresLatitude Pay is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores
Compare pay-later options

More Ways to Pay Later for Flights

Both Latitude Pay and Zilch would sit right there at the Laters.com checkout, ready for you to tap and go, except one of them isn't there anymore. Latitude Pay was discontinued in February 2023, so the head-to-head is short: it no longer publishes any live plan, while compare Zilch for flights on Laters.com still runs on a pay-in-4 structure you can actually choose today. There's no contest between an offer that's closed and one that's open, which is rather the point of this page. If Latitude Pay isn't available where you are, and it isn't available anywhere now, these are the other providers that can spread the cost of your flight.

Other providers

Zilch

Pay in 4 instalments

Zilch is built around a pay-in-4 product for spreading a fare across smaller payments. Approval isn't guaranteed, and a credit check may run before you're offered a plan.

Coverage varies by market, so check Zilch's site for your country before booking.

View provider guide

Klarna

Pay in instalments or pay in full

Klarna offers more than one way to split a flight, including shorter instalment plans and longer financing on bigger bookings. Some Klarna plans carry interest, and approval depends on a credit check, so read the terms for the plan you're offered.

Coverage varies by market, so check Klarna's site for your country before booking.

View provider guide

Afterpay

Pay in 4 instalments
Afterpay

Afterpay splits the cost of a ticket into four payments rather than one lump sum. Missing a payment can bring fees, and Afterpay still runs an eligibility check before approving you.

Coverage varies by market, so check Afterpay's site for your country before booking.

View provider guide

Affirm

Longer monthly financing
Affirm

Affirm leans toward monthly financing over several payments rather than a strict pay-in-4 split, which suits a pricier fare. Some Affirm plans carry interest, and approval isn't guaranteed once a credit check runs.

Coverage varies by market, so check Affirm's site for your country before booking.

View provider guide

Zip

Pay in instalments over time
Zip

Zip lets you break a flight into scheduled instalments instead of paying the fare in one go. A credit check typically applies, and unpaid instalments can attract fees, so keep the schedule realistic for your budget.

Coverage varies by market, so check Zip's site for your country before booking.

View provider guide

Sezzle

Pay in 4 instalments

Sezzle follows the familiar pay-in-4 shape, spreading a fare across a handful of scheduled payments. Approval depends on an eligibility check, and missed payments can bring extra charges.

Coverage varies by market, so check Sezzle's site for your country before booking.

View provider guide
40+ProvidersEvery fly now pay later providerExplore the provider guides and compare their payment products. The options available for your booking, approval and terms are shown at checkout.Compare fly now pay later providers
Fees, refunds, credit checks and eligibility

FAQs: Using Latitude Pay to Book Flights

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

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

No. Latitude Pay was discontinued in February 2023 and is no longer offered as a payment method for flights on Laters.com or anywhere else. The plan previously let travellers split a fare into 10 weekly interest-free payments, but that scheme has closed and no new bookings can be made against it. If you are looking to spread the cost of a flight now, check the current Buy Now Pay Later providers listed at https://laters.com/fly-now-pay-later.

02Which airlines used to accept Latitude Pay for flights?

All of them, back when the plan was live. Latitude Pay worked as a payment method at checkout rather than something each airline switched on individually, so any flight sold through a participating retailer could be paid for this way. That distinction no longer matters in practice, because Latitude Pay was discontinued in February 2023 and cannot be selected for any airline today. Travellers wanting a similar split-payment option should compare the providers currently listed at https://laters.com/fly-now-pay-later.

03Did paying with Latitude Pay cost anything extra on a flight?

No, when the scheme was active Laters.com added no payment surcharge and no booking fee, so the fare matched the card price. The plan itself was structured as 10 weekly interest-free instalments, though missing a payment could still trigger a late fee, and other Buy Now Pay Later plans generally carry interest-bearing options with their own charges. Latitude Pay was discontinued in February 2023, so none of this applies to bookings today. For an active alternative, see https://laters.com/fly-now-pay-later.

04When would my e-ticket have been issued after paying with Latitude Pay?

It isn't relevant anymore, since Latitude Pay was discontinued in February 2023 and can't be used to complete a flight purchase. Under the old scheme, e-tickets were generally issued once the payment method was approved and the booking was confirmed, in line with how most Buy Now Pay Later checkouts work. Because the plan no longer processes new payments, no e-ticket can be generated against it today. Travellers should use one of the active providers at https://laters.com/fly-now-pay-later instead.

05Was there a credit check with Latitude Pay for flights?

Yes, Buy Now Pay Later plans like Latitude Pay typically involved some form of credit check before approval, and approval was never guaranteed. That check carried the usual risk that an application could be declined or that credit was extended based on affordability review. This is now moot for new bookings, since Latitude Pay was discontinued in February 2023. Confirm current credit-check practices for any live provider at its own website before applying, or compare options at https://laters.com/fly-now-pay-later.

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

Missing a payment under the old 10-weekly-instalment plan could trigger a late fee, and missed payments on Buy Now Pay Later plans generally can be reported to credit reference agencies, which can affect your credit standing. This risk applied for as long as the scheme operated. Latitude Pay was discontinued in February 2023, so it can no longer be used and no new missed-payment scenarios can arise on it. Anyone using a live BNPL provider today should read the missed-payment terms on that provider's own site first.

07Which countries could use Latitude Pay to book flights?

Australia and New Zealand were the primary markets where Latitude Pay operated, reflecting its focus on the Oceania region. That geographic footprint is now historical, because Latitude Pay was discontinued in February 2023 and is not available from any country for flight bookings. Travellers in Australia or New Zealand looking for a similar way to split a fare should check which Buy Now Pay Later providers currently serve those markets at https://laters.com/fly-now-pay-later.

08Which Latitude Pay plan suited an expensive or long-haul fare?

None, going forward, because Latitude Pay was discontinued in February 2023 and has no active plan to offer against any fare, long-haul or otherwise. Its only published plan was a 10-weekly interest-free payment structure, which was not built as a longer-term financing option for high-value bookings. Travellers with an expensive or long-haul fare to pay off over more time should compare providers with longer repayment terms at https://laters.com/fly-now-pay-later.

09Does using Latitude Pay affect your credit score?

It could. Buy Now Pay Later plans that involve a credit check or that report missed payments to credit reference agencies can affect your credit standing, and Latitude Pay's 10-weekly plan operated under those same general risks while it was active. This is now a historical concern, since Latitude Pay was discontinued in February 2023 and no new agreements can be opened. If you're weighing up how a live BNPL provider might affect your credit, check that provider's own terms before applying.

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

Typically, a refund on a cancelled flight would be applied back against the outstanding instalment balance on the plan, reducing or clearing what was still owed. That was how the 10-weekly-payment structure was designed to handle cancellations while it operated. Since Latitude Pay was discontinued in February 2023, this process is no longer available for any new booking. For a live provider's refund handling, check that provider's terms directly or compare options at https://laters.com/fly-now-pay-later.

11Did Latitude Pay work on international and multi-stop flight itineraries?

It applied to the fare rather than the route, so a multi-stop or international itinerary was treated the same as any other booking value under the plan. The country you booked from, not the route flown, determined whether Latitude Pay appeared at checkout, with Australia and New Zealand as its main markets. This no longer applies in practice, since Latitude Pay was discontinued in February 2023. Travellers with complex itineraries should check route eligibility with whichever active BNPL provider they choose at https://laters.com/fly-now-pay-later.

12Is a 10-weekly Latitude Pay deferral really interest-free, and what's the catch?

The scheme was structured as 10 weekly interest-free payments, meaning no interest applied to the instalments themselves as long as they were kept up. The catch was that paying nothing extra depended on staying on schedule, since a late fee could apply if a payment was missed, and missed payments carried the usual risk of being reported to credit reference agencies. Latitude Pay was discontinued in February 2023, so this structure is no longer available to new customers. Compare current interest-free and interest-bearing plans at https://laters.com/fly-now-pay-later.

13Do airline miles and status points still accrue when paying with Latitude Pay?

There's no supplied detail confirming that Latitude Pay affected mileage or status-point accrual either way, and typically a BNPL payment method sits at checkout without changing the airline's own loyalty program rules. This question is now moot regardless, since Latitude Pay was discontinued in February 2023 and cannot be used to complete a booking. If loyalty accrual matters to you with a live provider, check the airline's frequent flyer terms directly, since that program, not the payment method, usually governs it.

14Was Latitude Pay available without an existing Latitude account?

There's no supplied detail on whether an existing account was required, and this is no longer something travellers need to resolve. Latitude Pay was discontinued in February 2023, so no new applications, with or without a prior account, can be opened against it. Anyone wanting a comparable pay-later option for flights should check the sign-up requirements for a current provider directly on that provider's own site, or compare active options at https://laters.com/fly-now-pay-later.

15Is it safe to have used Latitude Pay for a flight booking, and where were card details held?

There's no supplied detail here confirming exactly where Latitude Pay stored payment or credit information, so specifics should come from Latitude itself rather than assumption. What is confirmed is that Latitude Pay was discontinued in February 2023, meaning no new payment data is being processed through it today. For questions about closure and any data-handling details tied to existing past agreements, the closure page at https://www.latitudefinancial.com.au/latitudepay-closure/ is the source to check.

16Where can I find a current Buy Now Pay Later option for flights instead of Latitude Pay?

At https://laters.com/fly-now-pay-later, where the active Buy Now Pay Later providers for flight bookings are listed and compared. Latitude Pay itself was discontinued in February 2023, so it no longer appears as a checkout option on Laters.com or elsewhere. Any replacement plan you choose will still involve its own credit check and may carry interest or fees depending on the structure, so it's worth reading that provider's terms before booking. Latitude's own closure notice is also available at https://www.latitudefinancial.com.au/latitudepay-closure/ for anyone confirming the wind-down of the original scheme.

About Latitude Pay and Laters.com

About Buy Now Pay Later Flights with Latitude Pay

Who is Latitude Pay?

Latitude Pay was the buy now, pay later brand of Latitude Financial Services, one of Australia's longest-running consumer lenders, and for a few years it let shoppers, including flight bookers, split purchases into weekly instalments. Latitude Financial Services grew into a broad consumer credit business across Australia, New Zealand and, briefly, Singapore and Malaysia, with LatitudePay sitting inside a wider suite of credit cards and loans.

Latitude Financial Services traces its lineage to the Australian Guarantee Corporation, founded in Australia in the 1920s, though the business as it exists today formed in November 2015, when a consortium including KKR, VΓ€rde Partners and Deutsche Bank bought GE Capital's Australian and New Zealand consumer finance operations. It listed on the Australian Securities Exchange in April 2021, answering to public shareholders rather than a private backer. Its LatitudePay arm expanded into Singapore in 2021 by acquiring the fintech OctiFi, then unwound fast: LatitudePay stopped taking new customers in Australia and New Zealand in 2023 and closed its Singapore and Malaysia service the year after, tied to a harder regulatory climate for buy now, pay later. Borrow only what you can repay on schedule, and check Latitude Pay's site for how things stand today.

Booking with Latitude Pay on Laters.com

Latitude Pay is no longer something you can select at checkout on Laters.com. The plan that once let Australian and New Zealand travellers split a fare into ten weekly instalments, interest-free when paid on time, stopped accepting new customers in 2023, and Latitude wound the product down rather than reopening it. Booking a flight with buy now, pay later still needs a live, credit-checked provider standing behind the payment and issuing approval before the e-ticket lands, and Latitude Pay no longer plays that role for flights on this or any other booking site.

If you still want to spread the cost of a fare, Laters.com lists the buy now, pay later providers currently available on the platform on its fly now, pay later page, and each carries its own plan terms, credit check and, on some plans, interest. In every one of those bookings, Laters.com remains the merchant that sells and issues the ticket, while the BNPL provider you choose is the payment method and credit provider, not the seller of the flight. Paying this way adds no separate booking fee or payment surcharge beyond the fare itself, though some plans carry an APR and approval is never guaranteed, so it is worth comparing what is on offer before you commit a fare to any one instalment schedule.

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 flight bookings work

A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.

  • What changes when you pay for a flight in instalments
  • How to compare the total cost and repayment dates
  • Why a flight change or refund does not automatically end the payment plan
  • How a worked example divides a fare into payments
Latitude Pay 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 Latitude Pay’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.

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