Pay in 4 interest-free instalments over six weeks, or defer to a Pay in 2 or monthly plan
Yes. You can use Sezzle to book flights and buy plane tickets for any airline, on any route, in any fare class, when you check out through Laters.com. Sezzle sits in our checkout as a payment method, so you never need the airline itself to offer it. This is a credit product: a plan is offered per order, subject to approval, and no payment surcharge or booking fee applies on top of your fare.
Most airlines don't offer Sezzle directly at their own checkout. Book through Laters.com and that stops mattering: split the cost of American Airlines, Delta, United or Southwest fares out of the US, or Air Canada and WestJet flights from Canada, using the same Sezzle checkout every time. You pick your flight, select Sezzle at the Laters.com checkout, choose the plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Sezzle's plan families include the interest-free four-payment split, a two-payment option, and a longer monthly financing route for US shoppers, each offered subject to approval and open only to travellers aged 18 and over. That range covers a long-haul business fare and a short domestic hop alike, availability and the exact plans on offer varying by market, so some carry no interest while the monthly financing plan can carry interest depending on your creditworthiness and term. Zilch is also accepted at our checkout, if you'd rather compare the two before you pay.
Figures as published by Sezzle, verified against Sezzle’s country terms.
Sezzle checkout on Laters.com is built for North America, and right now that means the United States and Canada. Set against Sezzle's own published country terms, our coverage lines up with most of the markets Sezzle operates in, not the whole of its footprint, so treat the grid below as our verified slice rather than the provider's entire reach. Fares are settled in your local currency, such as USD or CAD, rather than converted at checkout. The grid is built from Sezzle's own published country terms, not our estimate of them. 2 markets offer interest-free instalments. 1 market offers longer monthly financing.
Sezzle's US help centre lists Pay in 5, Pay in 4, Pay in 2 and Pay in 1 (Pay in Full), plus long-term financing (Pay Monthly), settled in USD.
Plans as published by Sezzle for United States (US), verified .
Sezzle Canada's help centre lists only Pay in 4, Pay in 2 and Pay in 1 (Pay in Full), settled in CAD; long-term financing is stated to be US-only.
Plans as published by Sezzle for Canada (CA), verified .
Across the US, the flagship split is called Pay in 4; in Canada the same structure carries the same name, so shoppers in either market will recognise it. It works by taking a share of the fare at purchase, then the rest in fixed instalments every two weeks, interest-free when paid on time, though approval is never guaranteed and Sezzle's longer monthly financing plan does carry interest. Limits and rates differ by country and are shown by Sezzle at checkout, so check there before you book.
Sezzle and Zilch both sit at the Laters.com checkout, so this isn't a hunt across the internet for another app to download. It's a choice between two providers you can use to buy the same ticket right here. Sezzle publishes up to four short-term split plans plus a longer financing option for US shoppers, while compare Zilch for flights on Laters.com is built around a single pay-in-4 product. If Sezzle isn't available where you are, these are the other providers that can spread the cost of your flight.
Zilch works around a pay-in-4 structure, and approval for a plan isn't guaranteed since it depends on a check at checkout. Missing a scheduled payment can bring fees, so it's worth reading the terms before booking.
Coverage varies by market; check Zilch's site for your country
Klarna offers split-payment plans alongside longer monthly financing, and some of its plans carry interest while approval runs through a credit check. Paying nothing today still means the fare is owed on a schedule.
Coverage varies by market; check Klarna's site for your country
Afterpay splits the fare into instalments, and it decides on approval order by order, so a plan isn't guaranteed at checkout. A missed payment can trigger a fee, which is worth checking before you book.
Coverage varies by market; check Afterpay's site for your country
Affirm leans toward monthly instalment loans rather than a short pay-in-4 split, and some of its plans carry interest based on creditworthiness, with approval decided through a credit check. That makes it worth comparing the total cost, not just the monthly figure.
Coverage varies by market; check Affirm's site for your country
Clearpay is Afterpay's brand in some markets, running the same pay-in-4 shape. A credit check and approval decision still apply, and a missed instalment can bring a fee.
Coverage varies by market; check Clearpay's site for your country
Zip splits the fare into scheduled payments, with approval decided at checkout through a credit check and fees possible if a payment is missed. Paying nothing upfront still leaves the balance due on that schedule.
Coverage varies by market; check Zip's site for your country
Sezzle lets you break a fare into smaller instalments instead of paying the whole thing at booking, with choices ranging from two payments to a monthly loan. Most short-term plans are interest-free when paid on schedule, but the longer financing option can carry interest, and Sezzle runs a credit check before deciding what you're offered.
$500
Pay in 4 costs nothing extra when every instalment lands on time, since this plan carries no interest. Miss a payment and a late fee can apply, and Sezzle decides per order whether this plan is the one you're approved for. Sezzle's flagship interest-free plan: four instalments over six weeks; approval and plan offered are decided per order.
Pay in 5 spreads the fare over the smallest first payment of the group, but Sezzle has not published how the finance charge on this plan works, so treat the cost as unconfirmed until you see it at checkout. A late fee can apply if a payment is missed. Listed in Sezzle's US help centre plan table; a prepaid finance charge applies to Sezzle Send Pay-in-5 loans, so APR left unconfirmed.
Pay in 2 costs nothing extra beyond the fare when both payments are made on time, since this plan carries no interest. A late fee can apply if the second payment is missed.
Pay in 1 means paying the whole fare at checkout, so no credit is involved and nothing is owed afterwards. Sezzle offers this option when its approvals system doesn't extend one of the split plans instead. Whole order paid at checkout; offered when the approvals system does not extend a split plan.
Pay Monthly is a longer-term instalment loan issued through a Sezzle lending partner, and it can carry interest set after Sezzle reviews your credit, with the rate shown on the card an illustration rather than a guaranteed figure. A down payment and a minimum purchase amount may also apply, and this option is limited to US shoppers at selected merchants. US shoppers only, at selected merchants, subject to credit approval; a minimum purchase amount and a down payment may be required.
Sezzle's plans run the same across its North American markets, though Canada's menu is narrower than the US one, so check the country grid below before assuming a plan travels across the border with you.
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.
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
This score reflects Laters.com's own review of Sezzle's published plan terms, eligibility criteria for flight bookings, and country availability, cross-checked against traveller feedback and independent research. No brand pays to be rated or to appear in these results. 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.
Sezzle splits a fare four ways over six weeks with no interest, or two ways, or hands you Pay in 1 if the approvals system decides that's your offer. US flyers can also stretch into Pay Monthly financing, up to 35.99% APR, while Canada sticks to three plans and no financing at all.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Five shapes in the US: Pay in 5, Pay in 4, Pay in 2, Pay in 1, and Pay Monthly financing. Canada keeps only Pay in 4, Pay in 2 and Pay in 1, so the multi-month financing shape sits in one market only.
Interest Rate8/10
Pay in 4, Pay in 2 and Pay in 1 carry 0% APR; Pay Monthly runs 0.00%-35.99% APR depending on creditworthiness and term, with a 24.99% illustrative rate. Late fees on the short plans run up to $16.95, capped at 25% of the order.
Eligibility7/10
Live in two of Laters.com's core markets, US and Canada, but Pay Monthly financing is US-only and needs selected merchants plus credit approval. Canada's help centre lists three plans against the US's five, so the range narrows sharply once you cross the border.
Approval Process7/10
Pay in 4 and Pay in 2 are decided per order at checkout, but Sezzle can offer Pay in 1 instead when its approvals system won't extend a split plan. Pay Monthly financing is subject to a separate credit approval through Bread Financial or WebBank.
The same 4 steps apply on every airline and every route on Laters.com.
Search Laters.com and pick your flight. We book it at the price shown that day, as your travel agent, so you hold a confirmed booking, flying as the airline's own passenger, not a held price finished later.
Select Sezzle at checkout and choose a plan. Sezzle reviews the order and gives its decision there; approval is not guaranteed and depends on Sezzle's own checks.
Pay on the plan Sezzle approved: instalments, a deferred balance, or longer monthly repayment. Some plans carry interest and all involve a credit check. Repay Sezzle directly through Sezzle's own app or website, not Laters.com.
Your e-ticket is sent by email once payment is confirmed. It's tied to the confirmed booking, not the final instalment. You fly on schedule while the plan keeps running.
Most airlines don't offer Sezzle at their own checkout, and the ones that do each set their own rules. On Laters.com, Sezzle sits inside one checkout that covers every airline we sell, so the plans you get don't depend on who's flying the plane.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Sezzle built into checkout on all 650+ airlines | ✓ | Very few |
| The same Sezzle plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Sezzle | ✓ | ✕ |
| Official Sezzle 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 Sezzle | ✓ | Varies |
The booking is with Laters.com, not the airline, so any change or refund goes through us too, whichever carrier operates your flight and whichever Sezzle plan you're approved for. That's one place to sort things out if plans change, though Sezzle plans still carry a credit check and, on some plans, interest.
Everything you need to know about paying for flights with Sezzle on Laters.com.
Yes. Laters.com lets you check out with Sezzle and choose from Pay in 4, Pay in 2, Pay in 5, Pay in 1 (full payment at checkout), or the longer-term Pay Monthly financing option, depending on what Sezzle's approval system offers for your order. Pay in 4 is Sezzle's flagship plan, splitting the fare into four instalments over six weeks with 25% due upfront. Which plans you actually see depends on the country you book from and Sezzle's own approval decision, so confirm current options at sezzle.com before booking.
All of them on Laters.com. Sezzle is a payment method built into our checkout, not something individual airlines switch on, so any flight you can book through Laters.com can be paid for with Sezzle, subject to Sezzle's approval for that order. This applies across the airline inventory on the site rather than a limited list of participating carriers. Approval and the specific plan offered, such as Pay in 4 or Pay in 2, are still decided per order by Sezzle's system.
No. Laters.com adds no payment surcharge and no booking fee for choosing Sezzle, so the fare itself is priced the same as paying by card. That said, Sezzle plans are still credit products: a late fee of up to $16.95 (US), capped at 25% of the order amount, applies if you miss a payment, and the Pay Monthly financing option carries interest ranging from 0.00% to 35.99% APR depending on creditworthiness and term. Read the terms for your chosen plan at sezzle.com before confirming.
Your e-ticket is issued once Sezzle approves your chosen plan and the down payment, such as the 25% due upfront on Pay in 4 or 50% on Pay in 2, clears. Laters.com processes the booking with the airline as soon as that approval and initial payment are confirmed. The remaining instalments are then collected on the schedule tied to your plan, typically every two weeks, without holding up the ticket itself. Timing can vary slightly by order, so check your confirmation email for the exact status.
It can involve one. Sezzle typically runs a soft check that does not affect your credit score for its short-term Pay in 4, Pay in 2, Pay in 5 and Pay in 1 plans, but approval and the plan offered are decided per order rather than guaranteed. The Pay Monthly financing option, issued through Bread Financial or WebBank, is a separate instalment loan subject to credit approval and may involve a harder check tied to your creditworthiness. Because terms can change, confirm the current credit check policy at sezzle.com before you apply.
You'll be charged a late fee. Sezzle's late fee runs up to $16.95 (US) and is capped at 25% of the order amount, and repeated missed payments can affect your ability to use Sezzle for future bookings. Missed payments on plans like the Pay Monthly financing option may also be reported to credit reference agencies, which can affect your credit standing. Set up autopay or track due dates in the Sezzle app to avoid these charges, and contact Sezzle directly if you're at risk of missing a payment.
Sezzle for flights on Laters.com is available to shoppers booking from the US and Canada. In the US, Sezzle's help centre lists Pay in 5, Pay in 4, Pay in 2, Pay in 1 and the Pay Monthly financing plan, settled in USD. Canada's plan lineup is narrower: Sezzle Canada offers only Pay in 4, Pay in 2 and Pay in 1, settled in CAD, since the long-term financing plan is stated to be US-only. Availability and plan mix can change, so check sezzle.com for your market before booking.
For a bigger fare, the Pay Monthly financing option is built for longer repayment than the biweekly plans. It's a monthly instalment loan issued through Bread Financial or WebBank, carrying interest between 0.00% and 35.99% APR depending on your creditworthiness and the term you're approved for, and it's available to US shoppers only at selected merchants. It may also require a minimum purchase amount and a down payment. For a mid-range fare, Pay in 4 or Pay in 5 spreads the cost over a few weeks instead, so weigh the total interest cost against the shorter interest-free options before choosing.
Not when you pay on time. Sezzle's short-term plans, including Pay in 4 and Pay in 2, are generally assessed through a soft check that does not affect your credit score at the time of approval. Missing payments is a different story: late fees apply, and missed payments, particularly on the Pay Monthly financing plan run through Bread Financial or WebBank, may be reported to credit reference agencies and can affect your credit standing. Paying every instalment on schedule is the way to keep your score unaffected.
Your repayment schedule adjusts to match whatever refund the airline or Laters.com approves for your fare. If a refund is issued after some instalments have already been collected, Sezzle applies the refunded amount back against your plan, reducing or cancelling the instalments still owed. Any instalments already due before the cancellation is processed generally still need to be paid on schedule until the refund is confirmed. Contact Sezzle support directly through sezzle.com to track exactly how a specific refund is being applied to your plan.
Yes. Sezzle plans on Laters.com apply to the total fare on your order rather than to the route itself, so a multi-stop or international itinerary is billed and split the same way a one-way domestic ticket would be. It's the country you're booking from, not where the flight lands or how many stops it has, that determines which Sezzle plans appear at checkout. A US booking might show Pay in 4, Pay in 5, Pay in 2, Pay in 1 or Pay Monthly, while a Canadian booking is limited to Pay in 4, Pay in 2 and Pay in 1.
Sezzle's short-term plans, such as Pay in 4 and Pay in 2, carry 0% APR when everything goes to plan, meaning you pay only the fare split across instalments with no interest added. The catch is what happens if a payment is missed: a late fee of up to $16.95 (US), capped at 25% of the order amount, kicks in, and repeated misses can limit your access to Sezzle plans going forward. The Pay Monthly financing option is a different product entirely, carrying interest from 0.00% up to 35.99% APR depending on your creditworthiness and term. Read the schedule for your specific plan before checkout.
Generally yes, because Sezzle is just the payment method and the ticket itself is issued in the ordinary way once your plan is approved and the down payment clears. Airlines calculate miles, tier points and status credit based on the fare and fare class booked, not on how it was paid for. That said, loyalty programme rules vary by airline and by fare type, so check the specific airline's terms for your ticket. None of Sezzle's plans, including the interest-bearing Pay Monthly financing option, change how the airline itself treats mileage accrual.
Sezzle can be used for any fare class available through Laters.com, including premium cabin and business tickets, since the plan splits the total order amount rather than restricting by cabin. For a higher-priced business fare, the Pay Monthly financing option, with interest from 0.00% to 35.99% APR based on creditworthiness and term, may suit the larger total better than a six-week plan like Pay in 4. That financing option is limited to US shoppers at selected merchants and may require a minimum purchase amount and a down payment. Approval for any plan is still decided per order by Sezzle.
Changes and cancellations follow the airline's and Laters.com's normal fare rules first; Sezzle doesn't alter what the airline permits or charges for a change. Once a change fee or refund amount is settled, your Sezzle instalment plan is adjusted to reflect the new total owed, and any instalments already paid are credited back if a refund is due. Instalments that fall due before the change is fully processed generally still need to be paid on schedule. Contact Sezzle support through sezzle.com for the exact adjustment applied to your plan.
These notes come from everyday travellers who booked flights through Laters.com, sharing how the search and booking process worked for them.
Sezzle is a Minneapolis fintech built around a simple idea: split a purchase into four payments over six weeks and charge nothing extra if you pay on time. It has grown from a checkout button at a handful of online stores into a payment option used across a wide range of retail, and flights are simply one more purchase a traveller can now spread across that same schedule rather than paying the fare in one go.
The company was founded in 2016 in Minneapolis by Charlie Youakim and Paul Paradis, alongside a small founding team, and it has traded publicly since 2019, first listing on the Australian Securities Exchange before shares also began trading on the Nasdaq under the ticker SEZL. Sezzle voluntarily delisted from the ASX in early 2024 to consolidate its listing on the Nasdaq, a reminder that even a growth story has had to change course along the way. Its longer-term financing plans are issued through bank partners rather than by Sezzle directly, so exact licensing and lending arrangements can vary by state and by plan; check Sezzle's own site for what currently applies to you. Whatever plan a lender offers, only take on instalments you're confident you can repay on the agreed schedule.
Booking with Sezzle on Laters.com starts the same way as any search: find your route, pick your flight, and choose Sezzle at checkout. From there you'll be offered a plan, which may be Pay in 4, Pay in 2, Pay in 5, Pay in 1 (paying the whole fare at checkout), or, in the US only, a longer Pay Monthly financing plan. The e-ticket is issued once payment is approved. Several of these plans charge no interest when paid on schedule, while Pay Monthly is interest-bearing with an APR set by creditworthiness, and every plan is subject to a credit check and approval, so a split fare isn't a guaranteed fare.
It's worth being clear about who you're actually buying from. Laters.com is the merchant on this booking and issues your ticket; Sezzle is the payment method and the credit provider, not the seller of the flight. Choosing Sezzle carries no payment surcharge and no separate booking fee, so the fare you see is the same fare you'd pay by card. You don't need a credit card to book this way: Sezzle settles the fare with the airline on your behalf at the time of booking, and your instalments are repaid to Sezzle, not to Laters.com, on the schedule you selected.
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.
Four questions sit behind the Sezzle button at any airline checkout. Our full guide answers them.
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.
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.
Sezzle 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.
This table prices one identical fare across Sezzle's own plans so you can see the difference side by side. The fare itself doesn't move. Laters.com adds no booking fee or surcharge for choosing to pay this way, in either the US or Canada.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 40% APR | $250.00 | $250.00 every 2 weeks, 3 times | $1,000.00 | Nothing |
| Pay in 5 | $200.00 | $200.00 every 2 weeks, 4 times | $1,000.00 | Nothing |
| Pay in 20% APR | $500.00 | $500.00 every 2 weeks | $1,000.00 | Nothing |
| Pay in 1 (Pay in Full)0% APR | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
| Pay Monthly (long-term financing)0.00%–35.99% APR based on creditworthiness and term length | Nothing | Set at approval | Set at approval | Set at approval |
Treat this table as an illustration, not a quote for your trip. What Sezzle actually offers you depends on your market and on approval at checkout. Every provider on Laters.com is costed on these same rows, so you can compare them fairly.
Laters.com is rated 4.8 out of 5 on Trustpilot and 4.8 out of 5 on Google from 99 Google reviews.