650+ airlines availableNo hidden booking feesMultiple providers comparedLaybuy NZ

Book Laybuy Flights

Laybuy has ceased operations since June 2024, so it can no longer split the cost of a flight.

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

Laybuy flights

Can You Use Laybuy for Flights?Laybuy Has Closed, but Laters.com Has Other Options

Not anymore. Laybuy ceased operations in June 2024, so you can no longer use Laybuy to book flights or buy plane tickets on Laters.com. The good news is that flexible payment on flights hasn't gone anywhere. Laters.com still lets you split the cost of any airline, any route, any fare class, through the other buy now pay later partners we've kept in checkout, so your travel plans don't have to change.

Travellers who booked with airlines like Southwest and JetBlue in the US, or Ryanair, easyJet, British Airways and Lufthansa across the UK, Germany and the Nordics, often reached for Laybuy at checkout precisely because those carriers never offered it directly. That gap is exactly what Laters.com was built to close, and it's why we still do it today with our remaining payment partners: pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.

Depending on the partner you choose at checkout, plan families still cover everything from a long-haul in business to a short domestic hop, always subject to approval and only available to those aged 18 and over. Some plans carry interest, a credit check applies, and a late fee may apply if you miss a payment, so read the terms before you commit. Zilch is also accepted at our checkout if you want to compare another way to pay.

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

Split Your Flight, Pay Over Time with Laybuy

Laybuy has ceased operations, so its plans are no longer available at checkout on Laters.com. Flexible ways to split a fare, some carrying interest and a credit check, are still on offer through our other payment partners, so you can keep booking without paying the full fare upfront.

Plan details are being finalised.

Laybuy is no longer operating, following its move under Klarna. For splitting a flight fare today, choose another payment partner at checkout, where each provider's own repayment terms and plan names apply.

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

Laybuy Flights: Service Discontinued, Other BNPL Options Remain

Laybuy has ceased operations, so this comparison no longer applies. The good news: our other Buy Now, Pay Later partners are alive and well, and flexible ways to pay for flights are still built into one checkout that covers every airline we sell.

Laters.com remains the merchant on every ticket we sell, so one party handles the booking, any change to it and any refund, whichever airline operates the flight and whichever plan you choose at checkout. Head to checkout to see the active payment partners available for your route, remembering that any plan you pick is still credit and subject to approval.

Laters.com compared with booking direct with the airline
What you getLaters.comBook direct with the airline
Laybuy built into checkout on all 650+ airlinesVery few
The same Laybuy plans, whichever airline you fly
Compare every airline in one search, then pay with Laybuy
Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout
No surcharge and no booking fee for paying with LaybuyVaries
Independently scored, no paid placement

Laters.com Payment Score: Laybuy

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 →

Laters.com scores are based on published rates, plan terms, and eligibility criteria for flight bookings, alongside traveller feedback and independent research. No brand pays to be rated, and this entry reflects Laybuy's confirmed closure in June 2024 rather than a live assessment. 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.

Laybuy ceased operations in June 2024, and its "Laybuy" brand has since returned to market under Klarna ownership. There are no live plans, country records, or published rates left to score for flight bookings. Travellers who remember its 6 equal weekly interest-free instalments should look to our other payment partners at checkout instead.

What works well

  • Historic plan: 6 equal weekly interest-free instalments
  • Once reached top markets across New Zealand, Australia and the UK

What to watch

  • Laybuy ceased operations in June 2024
  • No live plans or country data to verify
  • Cannot be used for flight bookings today
  • Choose another Laters.com payment partner at checkout

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

Repayment Flexibility7/10

Laybuy's historic structure was one plan shape: 6 equal weekly instalments. With no active plans or basket data left to assess, flexibility can't be scored beyond that single, now-discontinued shape.

Interest Rate7/10

The legacy plan was interest-free across its 6 weekly instalments. No current published rate exists to verify, and the floor reflects a scheme that no longer takes bookings.

Eligibility7/10

Laybuy served New Zealand, Australia and the UK as its top markets. It ceased operations in June 2024, so eligibility for flight bookings is now zero in practice.

Approval Process7/10

No current checkout decision exists to assess; Laybuy stopped operating in June 2024. The historic weekly-instalment model can't be verified against today's approval flow.

The editorial take

Strongest on
Strongest on record: 6 equal weekly interest-free instalments, a plan that no longer exists to book against.
Held back by
Held back by closure: Laybuy ceased operations in June 2024, so no flight booking can be completed through it today.
Which plan
No active plan. Choose another Laters.com partner at checkout.

What else can cost you

Service status
Laybuy ceased operations in June 2024, so no costs currently apply to flight bookings.
Historic instalment fee
The legacy 6-weekly-instalment plan was interest-free, but this plan can no longer be booked.
Alternative partners
Laters.com offers other active buy now pay later partners at checkout with current published rates.

Where Laybuy leads

  • Historic plan: 6 equal weekly interest-free instalments
  • Once reached top markets across New Zealand, Australia and the UK

Before you apply

  1. Laybuy is no longer operating, so no eligibility rules apply to new flight bookings.
  2. Its former plan was a credit product with weekly repayments; no version of it is currently available to check eligibility against.
  3. Any age or residency rules once published are no longer verifiable, since the service has closed.
  4. Travellers should pick a currently active payment partner at Laters.com checkout instead of Laybuy.
40+ScoredFly now pay later provider scoresLaybuy 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

Laybuy ceased operations in June 2024, but that does not close the door on paying for a flight over time. Laters.com checkout still runs on other providers built for exactly this, including Zilch, and you can compare Zilch for flights on Laters.com rather than search for it elsewhere. Zilch is built around a pay-in-4 product, a different shape from the weekly instalment structure Laybuy once offered before Klarna brought the brand back under its own roof. These are the other providers that can spread the cost of your flight at checkout.

Other providers

Zilch

Pay in 4 instalments

Zilch splits a flight into four payments, and approval is not guaranteed since a credit check typically applies before the plan is confirmed. Missing a scheduled payment can bring fees, so it pays to check the repayment dates against your budget before booking.

Coverage varies by market, so check availability at checkout.

View provider guide

Klarna

Pay in instalments or later

Klarna now also powers the relaunched Laybuy in some markets, so travellers who knew that name may recognise it here. Some Klarna plans carry interest and a credit check, and a missed payment can lead to late fees, so it is worth reading the plan terms before you fly.

Availability depends on your country, so confirm at checkout.

View provider guide

Afterpay

Pay in 4 instalments
Afterpay

Afterpay splits the fare into four scheduled payments, subject to approval and an eligibility check. Late payments can trigger fees, so it helps to keep the due dates in view once you book.

Strongest coverage tends to sit in the United States, Canada, and Australia, though this can change.

View provider guide

Affirm

Longer monthly financing
Affirm

Affirm spreads a flight over monthly payments rather than a short pay-in-4 schedule, and some plans carry interest along with a credit check. Approval is not guaranteed, so the terms shown at checkout are worth reading before you commit.

Coverage varies by market, so check availability at checkout.

View provider guide

Clearpay

Pay in 4 instalments
Clearpay

Clearpay is the same pay-in-4 mechanic as Afterpay under a different name, used in some of the markets Laters.com serves. A credit check can apply and missed payments may bring fees, so treat it as credit rather than a discount.

Coverage varies by market, so check availability at checkout.

View provider guide

Tabby

Pay in instalments
Tabby

Tabby lets you split a fare into scheduled payments, with approval resting on a credit check rather than being automatic. Fees can follow a missed payment, so it is worth confirming the schedule against your travel dates.

Coverage varies by market, so check availability at checkout.

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 Laybuy to Book Flights

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

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

No. Laybuy ceased operations in June 2024 and is no longer offered as a payment option on Laters.com or anywhere else. Flights on Laters.com can still be split into instalments through our other buy now pay later partners, so head to checkout and pick a plan that fits your budget. Check the Laters.com checkout page for the current list of active BNPL providers before you book.

02What happened to Laybuy and why can't I use it for flights anymore?

Laybuy shut down its buy now pay later service in June 2024. The brand's weekly instalment model, once built around six equal weekly interest-free instalments, is no longer available on Laters.com or with any other retailer. Some Laybuy technology and branding has resurfaced through Klarna's press materials, but this does not mean Laybuy checkout is active for flight bookings. Travellers who want to split a fare should choose one of the other payment partners listed at checkout on Laters.com.

03Which airlines used to accept Laybuy for flights on Laters.com?

Every airline sold on Laters.com could be paid for with Laybuy while it operated, because BNPL is a checkout method rather than something each airline switches on individually. That is still true of the payment partners who replaced Laybuy: any carrier available on Laters.com can be booked with the active BNPL options at checkout. No airline needed to opt in separately, so the choice of plan has never depended on which airline a traveller flies. Confirm current payment options on the Laters.com checkout page before booking.

04Did paying with Laybuy cost extra on flights booked through Laters.com?

No. Laters.com never added a payment surcharge or booking fee for using Laybuy, so the fare matched the price of paying by card. Laybuy's own model was built on six equal weekly interest-free instalments, though late fees could still apply if a payment was missed, and other providers may include interest-bearing plans alongside interest-free ones. Since Laybuy is no longer active, check the terms of whichever BNPL partner you select at Laters.com checkout for its current fee and interest structure.

05When would my e-ticket have been issued after paying with Laybuy?

With Laybuy and with the BNPL partners that have replaced it on Laters.com, the e-ticket is issued once the payment provider approves the booking and the first instalment or deposit clears. Approval was never guaranteed and depended on Laybuy's own checks at the time. Since Laybuy no longer operates, travellers booking today should check the checkout confirmation screen for the current payment partner's approval and ticketing timeline before finalising a flight.

06Did Laybuy run a credit check when booking flights?

Laybuy carried out its own eligibility and affordability checks before approving a purchase, as any buy now pay later provider does, and approval was never guaranteed. Because Laybuy has ceased operations as of June 2024, this check no longer applies to any booking made through Laters.com. Any BNPL partner now offered at checkout will run its own credit or eligibility check, and travellers should read that provider's terms carefully, since a missed payment on a live plan can affect credit standing.

07What happened if you missed a Laybuy payment on a flight booking?

Missing a Laybuy instalment could trigger a late fee, and like other BNPL providers, missed payments could be reported to credit reference agencies and affect a traveller's credit standing. This risk no longer applies directly since Laybuy ceased operations in June 2024 and is not available for new bookings. Travellers using the BNPL partners now live on Laters.com should read the specific late payment terms for that provider, since fees and credit reporting rules vary by plan and by market.

08Which countries could use Laybuy to book flights on Laters.com?

Laybuy's top use region was Oceania, with New Zealand as its primary market alongside availability in Australia and the UK. That geographic footprint no longer matters for new bookings, because Laybuy ceased operations in June 2024 and cannot be selected at Laters.com checkout. Travellers in New Zealand, Australia, the UK or elsewhere should check the checkout page on Laters.com to see which active BNPL partners are available in their country today.

09Which plan suited an expensive or long-haul fare when using Laybuy?

Laybuy's structure was six equal weekly interest-free instalments, a short-term repayment schedule rather than a long-term financing plan, so it suited smaller fares more than an expensive long-haul ticket needing months to pay off. This plan is no longer available, since Laybuy ceased operations in June 2024. For a costly fare today, compare the instalment length and any interest terms of the active BNPL partners at Laters.com checkout, since a longer schedule generally suits a bigger booking better than a short weekly plan.

10Does using Laybuy for a flight affect your credit score?

It can. Any BNPL provider, including Laybuy while it operated, may run a credit or eligibility check, and a missed payment can be reported to credit reference agencies and affect your credit standing. Laybuy itself is no longer relevant to this question since it ceased operations in June 2024. If you use one of the active payment partners on Laters.com today, read its specific terms on credit checks and reporting before booking, since this varies by provider.

11What happened to Laybuy repayments if a flight was cancelled or refunded?

When a flight paid for with Laybuy was cancelled or refunded, any outstanding instalments would typically stop and money already paid would be returned according to Laybuy's refund process, though exact handling depended on the airline's fare rules and Laybuy's own policy. This no longer applies to new bookings, since Laybuy ceased operations in June 2024. Travellers using an active BNPL partner on Laters.com should check that provider's refund and cancellation terms, since repayment and refund handling differs by plan.

12Did Laybuy work on international and multi-stop flight itineraries?

Yes, in principle. A BNPL plan like Laybuy applies to the total fare rather than to the specific route, so international and multi-stop itineraries could be paid for the same way as a single domestic leg, with the country booked from, not the route flown, deciding which plans appeared at checkout. Laybuy is no longer available following its closure in June 2024. Travellers booking multi-stop or international trips today should check which active BNPL partners appear at Laters.com checkout based on their booking country.

13Is a Laybuy-style pay-in-6 deferral really interest-free, and what was the catch?

Laybuy's model, six equal weekly instalments, was structured as interest-free, but that did not mean cost-free in every circumstance. Missing a scheduled payment could bring a late fee and, depending on the provider's reporting practices, affect credit standing. This particular plan is no longer available since Laybuy ceased operations in June 2024. When comparing active BNPL partners on Laters.com, check whether a plan is genuinely free of interest or carries an APR, since some providers offer both types.

14Do airline miles and status benefits still accrue when paying with a Laybuy-style plan?

Generally yes. Paying with a BNPL plan such as Laybuy's six-instalment structure did not change how an airline recorded the fare for frequent flyer or status purposes, since the booking itself was made in full through Laters.com and the instalment arrangement sat behind that payment. Laybuy is no longer active following its June 2024 closure. Travellers should still check the fare conditions and loyalty programme terms of the airline directly, since mileage accrual rules are set by the airline, not the payment method.

About Laybuy and Laters.com

About Buy Now Pay Later Flights with Laybuy

Who is Laybuy?

Laybuy was a New Zealand buy now pay later provider built around a simple idea: split a purchase into six equal weekly instalments with no interest charged when payments were made on time. It grew from a local checkout option into a payment method used across New Zealand, Australia and the UK, and for a period travellers could use it to spread the cost of flights the same way they would any other purchase.

Laybuy was founded in Auckland, New Zealand, by Gary Rohloff and Toran Buckicic. Over time it took on formal registration as a licensed lender in the markets it served and, for a stretch, traded as a publicly listed company before being taken private again. Its later years were harder: Laybuy withdrew from some of the markets it had expanded into, and in June 2024 the company ceased operating as an independent service, with Klarna subsequently taking on its brand and technology rather than its ongoing lending business. Check Laybuy's own site or Klarna's press materials for the current picture. Whatever payment method you choose for a flight, only commit to instalments you're confident you can repay on schedule.

Booking with Laybuy on Laters.com

Laybuy is no longer available as a payment option for flights booked through Laters.com. Laybuy ceased operations in June 2024, so we can't offer the checkout mechanics, plan choices or e-ticket flow we'd normally describe here, because that flow no longer exists for this provider.

Flexible ways to pay for flights haven't disappeared, though. Laters.com continues to work with other buy now pay later partners, and you can still choose to split the cost of a flight at checkout with whichever option fits your budget. Some of those plans carry no interest when paid on time, others are interest-bearing and involve a credit check and approval, so it's worth comparing what's on offer before you commit. Head to checkout on your next search to see the current buy now pay later partners available, and borrow only what you're confident you can repay on the agreed 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
Laybuy 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.

Rated 4.8 on Google

What Travellers Say

Real reviews from real customers who booked flights with Laters.com.

Deal alerts

Never Miss a Laybuy Flight Deal

Laybuy flight deals, BNPL promotions and flash sales, straight to your inbox.