Compare flights across multiple airlinesInstallment choices shown at checkoutNo hidden booking fees

Book flights with Splitit payment plans

Search and compare flights on Laters.com, then split the fare with Splitit at checkout, subject to credit approval.

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Splitit flights

Can You Use splitit for Flights?Yes, splitit Works on Any Airline on Laters.com

Yes, you can book flights with a Splitit payment plan on Laters.com when offered for your fare in the United States, United Kingdom or Australia. Splitit uses an existing eligible credit card rather than opening a new loan. The payment choices and full schedule for your fare are shown at checkout.

Laters.com offers Splitit at checkout for eligible bookings in the United States, United Kingdom and Australia. Search and choose an airline fare first, then check whether Splitit appears for that booking and card. Direct airline payment options vary; compare the final terms before choosing where to book.

Splitit Retail Plans use an eligible existing credit card. The available installment count and schedule are shown at checkout, and a temporary authorization can reserve the remaining purchase amount. Splitit adds no Retail Plan interest, while your card issuer’s terms still apply.

Splitit flights on Laters.com: key facts

Splitit Retail Plan uses your existing eligible credit card
No credit check
On Splitit Retail Plans; card issuer terms still apply
No added interest
Laters.com Payment Score after reviewed rationale
7.8 / 10
Splitit checkout confirmed by Laters.com in the US, UK and Australia
3 markets
General failed-payment grace period; merchant terms can vary
Up to 7 days
Temporary card authorization can reserve the remaining purchase amount
Full amount hold

Figures as published by Splitit, verified against Splitit’s country terms.

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

Pay for an eligible flight with Splitit

Splitit Retail Plans use your eligible existing credit card, without a new credit check or added Splitit interest. Select an available installment schedule at checkout for your booking. Check the first payment, future due dates and temporary card authorization before confirming.

Split banner 1
Your Splitit fareUSD

$500

Pay Later

Payments
$500.00monthly
Due today
Not specifiedin this example
Total you pay
$500.00no interest

0% APR

Splitit Retail Plans add no interest, but your card issuer may charge under its own terms. The merchant sets the installment choices, and your card must have enough available credit for the temporary authorization. Splitit Retail Plans use an eligible existing credit card. The merchant chooses available installment counts; a temporary authorization may reserve the remaining purchase amount. Splitit adds no Retail Plan interest, but card issuer terms apply.

The available installments are set for the merchant and appear at checkout. Your card issuer’s existing terms remain in force; Laters.com handles the flight booking and Splitit manages the payment plan.

Splitit uses an eligible credit card you already hold. The installment counts and exact payment schedule for your fare appear at checkout. A temporary authorization can reserve the remaining purchase amount; your card issuer terms still apply.

Splitit plans by country

Where Splitit is offered on Laters.com

The Laters.com operator confirmed Splitit checkout in the United States, United Kingdom and Australia. The installment schedule and eligible card requirements for a particular fare appear at checkout. These markets describe Laters.com availability, not Splitit availability at every merchant. This guide lists financing in 3 markets.

Choose your booking country in the grid and review the payment choices offered for your fare. The existing credit card must have enough available credit for Splitit’s temporary authorization; issuer interest and fees remain separate.

Laters.com vs booking direct

Laters.com versus booking direct with an airline

Compare the booking path and the payment options shown for your fare. Direct airline checkouts differ; American Airlines is the sourced example below.

The airline fare rules still matter whichever booking path you choose. Review the final price, card requirements and refund contact before paying.

splitit banner
Laters.com compared with booking direct with the airline
What you getLaters.comBook direct with the airline Winner
Flight searchCompare fares from multiple airlines before choosing a booking.Search the airline’s own flights and partners on its site. Laters.com
Splitit accessSplitit is confirmed at Laters.com checkout in the US, UK and Australia when offered for the booking.Direct payment options vary by airline; American Airlines lists Citi Flex Pay for eligible cardholders. Laters.com
Card requirementsSplitit needs an eligible existing credit card with enough available credit for the remaining balance.Direct card payment also depends on the airline’s accepted cards and your issuer. Draw
Fare rulesRead the selected airline fare conditions before confirming the Laters.com booking.Read the airline’s fare conditions before confirming a direct booking. Draw
Refund contactStart a booking refund request with Laters.com; Splitit adjusts a merchant-approved plan.Start a direct-booking refund request with the airline. Draw

Sources checked 24 September 2026: Splitit Retail Plan, Splitit merchant controls, American Airlines payment options, and Laters.com operator confirmation of US, UK and Australian checkout. American Airlines is one direct-booking example; other airlines may differ.

Independently scored, no paid placement

Laters.com Payment Score: Splitit

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 →

Four criteria are scored out of 10 using Splitit Retail guidance and Laters.com merchant availability. The headline is the unweighted average, rounded to one decimal. No payment provider pays for a rating. Last reviewed September 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.

Splitit uses an existing credit card to pay a fare in installments. Retail Plans add no Splitit interest or new credit check. Laters.com confirmed checkout availability in the United States, United Kingdom and Australia; the available schedule is shown for each booking.

What works well

  • No added Splitit interest on the Retail Plan
  • No hard credit check required for approval
  • Choose from the installments offered at checkout

What to watch

  • Only one plan shape: Pay Later instalments
  • Available in three markets only: US, UK, AU
  • Runs against your existing card's credit limit
  • Card issuer's own interest still applies if unpaid

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

Repayment Flexibility7/10

Splitit's 0% APR Retail Plan uses an existing eligible credit card. The merchant sets installment choices, so the number of payments for a Laters.com fare is shown at checkout.

Interest Rate9/10

The 1 Retail Plan lists 0% APR from Splitit. Your existing card issuer may still charge interest under its own terms.

Eligibility7/10

Laters.com confirmed the 0% APR Retail Plan at checkout in 3 markets: the US, UK and Australia. The option for an individual fare and card is confirmed at checkout.

Approval Process8/10

Splitit's 0% APR Retail Plan does not require a new credit check. An eligible existing card must still have enough available credit for the temporary authorization.

The editorial take

Strongest on
Retail Plans add no Splitit interest; your card issuer terms still apply.
Held back by
An eligible card needs enough available credit for a temporary authorization, and Laters.com has confirmed checkout in three markets.
Which plan
Compare the installment choices and full card hold shown for your fare at checkout.

This table illustrates a Splitit Retail Plan for one fare. The installment choices and payment dates depend on the merchant and are shown for your booking at checkout. Splitit adds no Retail Plan interest, while your card issuer's terms still apply.

PlanUpfront paymentThenYou pay in allCost of credit
Pay Later0% APRNot specifiedNot specified$1,000.00Nothing

What else can cost you

Late fee
Splitit Retail guidance does not describe a Splitit late fee. A failed payment generally receives up to seven days to resolve the issue; merchant terms can vary and may cause the remaining balance to become due; your card issuer may charge under its terms.
Early settlement
Splitit says you may pay the remaining Retail Plan balance early without an early repayment fee.
Currency conversion
Your card issuer may charge a foreign transaction fee when the booking currency differs from your card currency.
Credit file impact
Splitit says its Retail Plan does not run a new credit check or report a separate account to credit bureaus; your card issuer’s account remains subject to its terms.
Refunded flight
Ask Laters.com about an eligible fare refund. Splitit says a merchant-approved refund is applied to your card and the remaining plan adjusted or canceled.

The figures shown are an illustration, not a quote for any specific booking. What you are offered depends on your market, your card's available credit and approval at checkout. Every provider on Laters is costed on the same rows so plans can be compared fairly.

Where Splitit leads

  • No added Splitit interest on the Retail Plan
  • No hard credit check required for approval
  • Choose from the installments offered at checkout

Before you apply

  1. Splitit is a credit product built on an existing card, so a card with sufficient available credit is required rather than a new account.
  2. Splitit says its Retail Plan does not run a new credit check, but your existing card must pass authorization and meet the merchant’s requirements.
  3. Laters.com confirmed Splitit checkout in the US, UK and Australia. The option for an individual booking is shown at checkout.
  4. Age and residency rules can vary by market, so check splitit's own site (https://www.splitit.com/) to confirm eligibility where you live.
40+ScoredFly now pay later provider scoresSplitit is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores
Compare flights and payment options

Airlines you can compare before choosing Splitit

Browse the linked airline pages for fares and fare rules. Splitit is a Laters.com checkout option for eligible US, UK and Australian bookings, rather than an airline-specific payment agreement. Confirm that it appears for your fare and card before relying on an installment plan.

Full-service airlines

Philippine Airlines

Compare Philippine Airlines fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Philippine Airlines payment plans

Singapore Airlines

Compare Singapore Airlines fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Singapore Airlines payment plans

Malaysia Airlines

Compare Malaysia Airlines fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Malaysia Airlines payment plans

Cathay Pacific

Compare Cathay Pacific fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Cathay Pacific payment plans

Emirates

Compare Emirates fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Emirates payment plans

Qatar Airways

Compare Qatar Airways fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Qatar Airways payment plans

Low-cost airlines

Cebu Pacific

Compare Cebu Pacific fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Cebu Pacific payment plans

AirAsia

Compare AirAsia fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore AirAsia payment plans

Scoot

Compare Scoot fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Scoot payment plans

flydubai

Compare flydubai fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore flydubai payment plans

Air Arabia

Compare Air Arabia fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore Air Arabia payment plans

IndiGo

Compare IndiGo fares and fare rules, then review Splitit only if it appears for your Laters.com booking.

Explore IndiGo payment plans
650+AirlinesExplore more airlinesCompare available flights across Laters.com, then check the payment options offered for your selected booking.Browse all airlines
Compare pay-later options

More Ways to Pay Later for Flights

Splitit and other payment methods may appear at Laters.com checkout for eligible bookings. Splitit uses an existing card; each alternative has its own market, approval rules and costs. Compare the total repayment and due dates shown for your booking before choosing.

Other providers

Visa

Card-based installmentsVisa

Visa's installment option lets eligible cardholders split a purchase into set payments through their card issuer. Availability, any interest charged and approval depend on the issuing bank, so terms vary by card.

Coverage depends on card issuer

View provider guide

Mastercard

Card-based installmentsMastercard

Mastercard's installment plans work through participating card issuers rather than a separate BNPL account. Whether interest applies and whether you're approved is set by the issuing bank, not by Laters.com.

Coverage depends on card issuer

View provider guide

Klarna

Pay in instalmentsKlarna

Klarna offers short-term installment plans alongside longer financing options in some markets. Some plans carry interest and a credit check, and approval is not guaranteed for every applicant.

Coverage varies by market

View provider guide

Affirm

Monthly financingAffirm

Affirm spreads the cost of a flight into fixed monthly payments, with some plans carrying interest depending on the term chosen. A credit check typically applies before approval.

Coverage varies by market

View provider guide

Afterpay

Pay in 4 instalmentsAfterpay

Afterpay splits a fare into four payments rather than offering longer-term financing. Missing a payment can bring fees, and approval for a purchase isn't guaranteed.

Coverage varies by market

View provider guide

Zip

Pay in instalmentsZip

Zip lets you break a flight purchase into scheduled instalments, with a credit check typically part of the approval process. Some plans can carry fees if a payment is missed.

Coverage varies by market

View provider guide

Other providers have their own approval rules, regional coverage and fees. Compare the complete offer shown for your booking at checkout; the descriptions above are not Splitit terms.

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 Splitit to Book Flights

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

01Can I book flights with Splitit on Laters.com?

Yes. The Laters.com operator confirmed Splitit checkout is live for eligible US, UK and Australian bookings. Select it when offered and read the installment count and payment dates before confirming. Splitit uses an eligible credit card you already hold.

02Does every airline on Laters.com accept Splitit?

Splitit is a Laters.com checkout option, not an airline payment method. If it appears for your booking and card, it can pay for the fare you selected. Availability and approval are confirmed at checkout; do not assume every route or fare qualifies.

03Does paying for flights with Splitit on Laters.com cost more than paying by card?

Splitit says its Retail Plan adds no interest or extra charge, but your card issuer may charge interest or other fees under your existing card terms. Compare the complete fare and payment schedule at checkout.

04When do I get my e-ticket if I pay with Splitit?

Laters.com issues the ticket after the booking and first payment are confirmed. Check your booking confirmation and contact Laters.com support if a confirmed booking has no ticket; Splitit handles the installment schedule.

05Is there a credit check when I use Splitit for flights?

Splitit says its card-linked Retail Plan does not run a new credit check or open a new loan. It does authorize your existing card for the remaining balance, so enough available credit is required.

06What happens if I miss a Splitit payment on a flight booking?

Splitit says a failed payment or reauthorization generally receives up to a seven-day grace period; exact terms can vary by merchant to fix the card issue. If it remains unresolved, the remaining balance may become due. Your card issuer may apply its own charges; contact Splitit promptly.

07Which countries can use Splitit to book flights on Laters.com?

The Laters.com operator confirmed live Splitit checkout in the United States, United Kingdom and Australia. This describes Laters.com availability, not every country where Splitit supports merchants. The actual option is shown at checkout.

08Which Splitit plan works best for an expensive long-haul flight?

For a larger fare, compare Splitit’s installment choices and monthly amount at checkout. Its 0% APR Retail Plan adds no interest, but your card issuer may still charge interest. Your card must also have enough available credit for the temporary authorization. The merchant sets the available installment count.

09Will using Splitit for a flight affect my credit score?

Splitit says its Retail Plan does not run a credit check or report a separate account to credit bureaus. Your existing card balance and payment history remain subject to your card issuer’s terms.

10What happens to my Splitit payments if my flight is canceled or refunded?

Ask Laters.com about the fare refund first. Splitit says merchant-approved refunds return to the card and adjust or cancel remaining installments. Timing depends on the merchant and card issuer.

11Can I use Splitit for international or multi-stop flight itineraries?

Choose the itinerary first and check whether Splitit appears at Laters.com checkout. The payment option depends on the booking, market and eligible card rather than the number of flight stops.

12Is a Splitit payment plan really interest-free, or is there a catch?

Splitit says Retail Plans add no interest. They use your existing credit card, so your issuer may charge interest if you carry a balance. A temporary authorization can reserve the remaining purchase amount against your available credit.

13Do I still earn airline miles or status points when I pay with Splitit?

Splitit says you may continue earning eligible credit-card rewards because installments charge your existing card. Airline miles and status credits depend on the airline fare and loyalty rules; check those separately.

14Can I book a business class or premium cabin flight using Splitit?

A premium fare may be eligible when Splitit appears at checkout and your card has enough available credit for the authorization. The merchant may set a maximum ticket amount, so confirm the offer for that booking.

15Do I need to open a new Splitit account to book flights on Laters.com?

Splitit says its Retail Plan does not require a new loan application or account. You use an eligible existing credit card at checkout; an installment plan is created when your payment is accepted.

16Which airlines allow split payments?

Laters.com lets eligible US, UK and Australian shoppers select Splitit for flights shown at its checkout. The airline itself does not need to offer Splitit. Check the final payment options for your fare.

17What are the pros and cons of using Splitit?

The Retail Plan can spread a purchase across card installments without a new credit check or added Splitit interest. It needs an eligible credit card with enough available credit for a temporary hold of the remaining balance; your card issuer may still charge interest.

18What airlines accept split payments?

If Splitit appears at Laters.com checkout for an eligible booking, you can use it for the selected airline fare. Airlines have their own direct payment options, so check each airline site separately if booking direct.

19Can I pay for my flight in 4 payments?

Possibly. Splitit says merchants choose the installment counts available at checkout. Review the choices shown for your Laters.com booking; four payments should not be assumed in advance.

About Splitit and Laters.com

About Buy Now Pay Later Flights with Splitit

Who is Splitit?

Splitit lets participating merchants offer card-linked installments. You use an eligible existing credit card; Splitit does not open a new loan or run a new credit check for its Retail Plan. The available installment counts depend on the merchant and are shown at checkout. A temporary authorization can reserve the remaining purchase amount on your card.

Booking with Splitit on Laters.com

Search flights on Laters.com and review the selected airline fare rules. If Splitit appears at checkout for your booking and eligible card, compare the installment schedule and complete cost before confirming. Laters.com handles the flight booking; Splitit manages the card-linked installment plan. Your card issuer may charge interest or fees under its existing terms.

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

Read the guide Visit Splitit’s website

Splitit 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 Splitit’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 September 2026.

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Sources

Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.