Pay in fixed monthly instalments over 3 to 24 months using your existing credit card
Yes. You can use Splitit to book flights and buy plane tickets for any airline, any route and any fare class through Laters.com. Splitit turns your fare into fixed monthly payments drawn from a credit card you already hold, rather than a new loan you have to apply for elsewhere. It is still a form of credit: some plans carry interest, a credit check applies, and approval is never guaranteed, so read the terms shown at checkout before you commit to a plan.
American Airlines, Delta and Southwest don't offer Splitit directly at their own checkout, and neither do Frontier or Spirit, all flying out of the US, nor Singapore Airlines and Scoot across Asia, or Emirates and Qatar Airways in the Middle East. That gap is exactly why booking through Laters.com works: we bring Splitit to airlines that never built it into their own site. At checkout you select Splitit, pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Splitit's plan is monthly financing, letting you spread the fare over fixed installments instead of paying it all at once, and availability varies by market, subject to approval, with eligibility limited to travelers aged 18 and over. That range runs from a long-haul flight in business class down to a short domestic hop, since the split applies to the fare rather than the cabin. Some Splitit plans carry interest, so check the terms shown at checkout before you book.
Figures as published by splitit, verified against splitit’s country terms.
splitit and WeChat both sit at the Laters.com checkout, so this is a straight choice between two live options, not a hunt for one somewhere else. The shapes barely resemble each other: splitit publishes a single plan, fixed monthly payments spread across 3 to 24 months at 0% APR, charged to the credit card you already carry, with no new credit line opened, while WeChat isn't an instalment plan at all, it settles the fare from a linked balance in one move, and its reach runs well past China as Chinese travellers carry it abroad (compare WeChat for flights on Laters.com). If splitit isn't available where you are, these are the other providers that can spread the cost of your flight.
Klarna is best known for splitting a fare into four payments, but approval is never guaranteed and some of its plans carry interest or a credit check.
Coverage varies by market; check at checkout.
Affirm spreads a fare over longer monthly terms rather than a handful of instalments, which can suit pricier fares, though interest may apply and a credit check runs before approval.
Offered in select markets rather than everywhere.
Afterpay's pay-in-4 structure divides the fare into four equal parts, and missing one can bring a fee on top of the balance still owed.
Not available everywhere; confirm eligibility at checkout.
Zip splits a fare into a scheduled series of instalments, with approval resting on a credit check and fees possible if a payment is missed.
Coverage depends on your billing market.
PayPal's Pay in 4 option ties the instalment plan to the PayPal account you already have, subject to its own approval process and credit check.
Availability follows your PayPal account market.
Atome typically splits a purchase into three instalments, and approval along with a credit check stands between you and the plan going live.
Coverage varies by market; check at checkout.
splitit lets you spread a fare across monthly payments on the credit card you already carry, instead of opening a new credit line. Approval rests on your card's available credit, and your issuer's own terms, including any interest if you carry a balance, still apply.
$500
Pay Later splits your fare into fixed monthly charges on the credit card you already carry, with no new credit check to slow booking. Splitit adds no interest of its own, but if you don't clear your card statement, your issuer's interest and any penalties apply.
Repayments go to your card issuer as standard transactions, not to splitit itself. Your e-ticket is issued in full once your first payment clears, with the remaining fare split across your card's monthly statements.
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 Splitit's published plan terms, eligibility rules for flight bookings, and independent research into how the product works at checkout. No brand pays Laters.com for its 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.
One plan carries the whole flight offer here: Pay Later splits a fare into fixed monthly instalments across 3 to 24 months at 0% APR, charged to the traveller's own credit card. There's no credit check and no late fee, but the offer is confirmed live in only three markets, the United States, United Kingdom, and Australia, so many of the site's travellers will need to look elsewhere.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility7.8/10
Splitit's only flight plan, Pay Later, spreads a fare over fixed monthly instalments from 3 to 24 months, wide enough for a short break or a long-haul saver. But it is one plan shape, not three: there's no separate deferred or pay-in-4 option, so the choice is timing within a single format, not real plan variety.
Interest Rate9.5/10
The Pay Later plan carries 0% APR with no late fee substituting for interest, so travellers who keep to schedule pay exactly the fare. There's only the one plan to judge, so nothing here is blended. The catch: this 0% covers Splitit's own charge only, on the credit card the traveller already holds.
Eligibility7/10
Splitit's flight plan is confirmed live in just three markets: the United States, United Kingdom, and Australia, each entity offering the same single Installments plan. That's a handful of countries, not sharp variation between them, since none gets a second plan the others lack. Travellers elsewhere should check splitit.com before assuming coverage.
Approval Process8/10
No credit check applies to the Pay Later plan; approval rests on your card issuer authorising the full fare as a hold at checkout, not on Splitit reviewing your file. That's fast, but it means you need available credit covering the entire fare upfront, a different friction than a typical approval gate.
This table prices the same fare across Splitit's Pay Later plan. The fare itself doesn't change: Laters adds no booking fee or surcharge for paying this way. Availability and terms are set by the traveller's own country, so no single market is quoted here.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay Later0% APR | Nothing | $1,000.00 monthly | $1,000.00 | Nothing |
This is an illustration, not a quote: what you're offered depends on your market and on your card issuer's approval. Every provider Laters scores is priced on the same rows, so figures here are built for comparing across providers, not for booking directly.
The same 4 steps apply on every airline and every route on Laters.com.
Search flights and book at the price shown that day. Laters.com is the travel agent selling your ticket, and you fly as the airline's own passenger, holding a confirmed booking, not a held price.
Select splitit on the payment screen and pick a plan. splitit gives its decision at checkout, and approval is not guaranteed, so have your details ready before you choose.
Pay in fixed monthly instalments, since splitit publishes a monthly repayment plan; some plans carry interest and a credit check applies. Repayment goes to splitit directly, managed in splitit's own app or website, not Laters.com.
The e-ticket is sent by email once payment is confirmed. It is tied to your confirmed booking, not to the final payment. You fly on schedule while the plan is still running.
Most airlines don't offer splitit at their own checkout, and the few that do set their own rules. On Laters.com splitit is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| splitit built into checkout on all 650+ airlines | ✓ | Very few |
| The same splitit plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with splitit | ✓ | ✕ |
| Official splitit 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 splitit | ✓ | Varies |
Whichever airline operates the flight and whichever splitit plan you're approved for, the booking is with Laters.com. That means one team handles any change, any cancellation and any refund, so you're not stuck between an airline and a lender if something goes wrong. Splitit is still a credit arrangement tied to your card, so pay on schedule to avoid your card issuer's own charges.
Everything you need to know about paying for flights with splitit on Laters.com.
Yes. At checkout on Laters.com you can select splitit and be offered its Pay Later plan, which spreads the fare over fixed monthly payments running from 3 to 24 months at a stated 0% APR on the plan itself. Approval and the exact schedule depend on your existing credit card, so confirm your card is eligible before you commit to a departure date. For current terms, check https://www.splitit.com/.
All of them on Laters.com. splitit sits at our checkout as a payment method rather than something each airline switches on individually, so any flight you can book through Laters.com can be split with splitit's Pay Later plan. You still choose the airline and fare first, then pick splitit at payment. The monthly plan runs 3 to 24 months, and your card issuer's own terms still apply.
No. Laters.com adds no payment surcharge and no booking fee for choosing splitit, so the fare shown is the same one you'd pay by card in full. That said, splitit's Pay Later plan is a credit product tied to your existing card, and a missed instalment can trigger a late fee from your card issuer along with interest on the outstanding balance. Read the plan detail on https://www.splitit.com/ before booking.
Your e-ticket is issued once your first payment and the splitit plan are approved at checkout on Laters.com. The airline reservation is confirmed the same way it would be for a card payment, since splitit works by drawing on your existing credit card rather than creating a separate account. Delivery timing can still vary slightly by airline, so check your confirmation email after booking.
It depends on the checkout, but splitit's Pay Later plan is designed to work by splitting your existing credit card limit rather than opening a new line of credit. This generally means a lighter check than a full application for new credit, though your card issuer's own risk rules still apply. A missed payment can still affect your card standing, so only book a fare you can cover across the monthly schedule. Confirm the exact process at https://www.splitit.com/.
Your card issuer may charge a late fee and interest on the missed instalment, since splitit's Pay Later plan runs through your existing credit card rather than its own separate account. Missed payments can also be reported to credit reference agencies by your card issuer, which may affect your credit standing going forward. Keep the monthly schedule, which can run 3 to 24 months, in mind before booking, and set reminders so you don't fall behind.
splitit availability on Laters.com is tied to the country you're booking from, and coverage varies by market. The country you book from, not the destination you're flying to, decides which splitit plans you see at checkout. For the current list of supported markets, check https://www.splitit.com/ before you start your booking.
The Pay Later plan is splitit's option for spreading a larger fare, with fixed monthly payments available over a range from 3 up to 24 months. Stretching a long-haul fare across more months lowers each instalment but means the balance, plus any interest or fees your card issuer applies, stays outstanding for longer. Pick a tenor that matches how quickly you're comfortable clearing the balance on your card. Full terms are on https://www.splitit.com/.
Not when you pay on time. Because splitit's Pay Later plan works by splitting your existing credit card balance rather than issuing new credit, everyday use doesn't typically involve the kind of hard credit application that shows up as a new credit inquiry. Missing a payment is a different story, since your card issuer can report that to credit reference agencies and it can affect your credit standing. Treat it as real credit, not a discount.
A refund from the airline reduces or clears the outstanding splitit balance tied to that booking, since the plan runs through your existing credit card rather than a separate loan account. How quickly the refund reaches your card and offsets remaining instalments depends on the airline's refund timeline and your card issuer's processing. Keep paying scheduled instalments until you see the refund reflected, and check https://www.splitit.com/ if a payment and refund overlap awkwardly.
Yes. splitit's Pay Later plan applies to the total fare you're charged, not to the specific route or number of stops, so a multi-stop or international itinerary is treated the same as a single-leg booking. What actually determines which splitit plans you're offered is the country you're booking from on Laters.com, not the destinations on your itinerary. Confirm your booking country's availability before assuming a plan applies.
The Pay Later plan is stated at 0% APR on the instalments themselves, so splitit isn't charging you interest on top of the fare. The catch sits with your card issuer: because the plan works by splitting your existing credit card balance, any late payment can trigger your card's own late fee and interest, and it can be reported to credit reference agencies. Read the fine print on your card agreement alongside splitit's terms at https://www.splitit.com/.
Generally yes, because splitit's Pay Later plan runs through your existing credit card rather than replacing your payment method with a separate loan product. The airline records the booking and any miles or status credit against the card transaction as usual. Confirm with your specific airline's fare rules, since mileage earning can depend on fare class rather than payment method, and check https://www.splitit.com/ for how the plan interacts with your card.
Yes. splitit's Pay Later plan applies to the fare you select on Laters.com regardless of cabin class, so a premium or business fare can be split into fixed monthly payments over 3 to 24 months the same way an economy fare can. The higher the fare, the larger each instalment will be at a given tenor, so check your card's available limit before booking a premium seat. Confirm current terms at https://www.splitit.com/.
You can request a change or cancellation through the airline's standard fare rules, and any resulting refund or credit applies against the outstanding splitit balance on your card. Because the Pay Later plan draws on your existing credit card rather than a standalone account, how the adjustment is processed depends on your card issuer's refund handling as much as the airline's policy. Continue scheduled instalments until the change is confirmed, and check https://www.splitit.com/ for plan-specific guidance.
No separate splitit account is required to book, since the Pay Later plan is built to work directly with the credit card you already hold rather than opening a new credit line. You select splitit at checkout on Laters.com and confirm the plan against your existing card. This keeps the process tied to one card rather than adding another provider relationship, though your card issuer's own terms still govern the instalments. Details are at https://www.splitit.com/.
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splitit is a payments company that lets shoppers spread a purchase across their own existing credit or debit card rather than open a new credit line, and it operates at a scale that puts it among the more established names in buy now pay later, active across dozens of markets. It grew from a checkout feature for online retailers into a broader instalments platform spanning electronics, fashion and travel, and flights are one of the newer categories to adopt it. On Laters.com you can use splitit across every airline we sell.
The company was founded in 2012 in Tel Aviv by Gil Don and Alon Feit, trading early on under the name PayItSimple before adopting the splitit brand. It later moved its base to Atlanta, listed on the Australian Securities Exchange in 2019, then voluntarily delisted in December 2023 after Motive Partners took a controlling stake, redomiciling to the Cayman Islands and returning to private ownership. That shift away from public markets sits alongside the growth, not instead of it, and is worth knowing before relying on the brand for a large purchase. Only borrow what you can comfortably repay on schedule, and check splitit's own site for current terms.
Search your route on Laters.com, choose splitit at checkout, and select the Pay Later plan, which spreads the fare across fixed monthly instalments running from 3 up to 24 months. Your e-ticket is issued once payment is approved, not before, so leave a few minutes in your booking for that check to clear. This particular plan runs at 0% APR when you keep to the schedule, though instalment plans in general can carry an APR and are subject to approval and, in some cases, a credit check, so read the terms shown at checkout before you confirm.
Laters.com is the merchant of record for your booking and issues the ticket; splitit is the payment method and the credit provider behind the instalments, not the company selling you the flight. Paying this way adds no payment surcharge and no extra booking fee, so the fare you see is the same one you would pay by card. You do not need a credit card in hand to book when you choose splitit, since it settles the fare with the airline on your behalf, and your repayments go to splitit on the agreed schedule rather than to Laters.com.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
Four questions sit behind the splitit 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. 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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