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

Can You Use Splitit on Laters.com?

No. Laters.com does not currently take Splitit at checkout.

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Who1, Economy

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Edited by Alex YardleyUpdated

Splitit flights

Can You Use splitit for Flights?

No, Splitit Isn't a Checkout Option on Laters.com Yet

No. Laters.com does not currently take Splitit at checkout. Splitit lets you split a purchase across instalments using the available limit on a credit card you already hold, with no new credit application, but that only applies where a merchant's checkout actually offers it, which isn't the case here yet. Compare the payment methods Laters.com's checkout does offer before you book.

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 · late fee $0 (none disclosed by Splitit)

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. Splitit's help centre also lists the store regions across Europe, North America and Asia Pacific where a merchant may be eligible to offer Splitit, including Canada, Mexico, Singapore, Malaysia, Hong Kong and New Zealand, though not necessarily on Laters.com. This guide lists financing in 3 markets. 3 currencies are listed in this guide.

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
Flight searchCompare fares from multiple airlines before choosing a booking.Search the airline’s own flights and partners on its site.
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.
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.
Fare rulesRead the selected airline fare conditions before confirming the Laters.com booking.Read the airline’s fare conditions before confirming a direct booking.
Refund contactStart a booking refund request with Laters.com; Splitit adjusts a merchant-approved plan.Start a direct-booking refund request with the airline.

Choose Laters if...

You want to compare every airline in one search before you choose how to pay. You would like a pay-later plan at one checkout, whichever airline you fly.

Book direct if...

You are paying in full by card and want to manage the booking with the airline yourself. You want the status bonuses that only the airline's own site gives.

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 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 installments
  • 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.

Can I pay for my flight with two different credit cards?

No. Splitit's Retail Plan on Laters.com links to one credit card you already hold, which needs enough available credit for the hold; this checkout option has no way to divide a single fare between two separate cards.

What is Splitit and how does it work?

Splitit turns an eligible credit card you already hold into an installment plan: it places a temporary authorization for the purchase amount, then charges that card on the agreed schedule over time, rather than opening a new loan or running a credit check.

What companies use Splitit?

Splitit doesn't publish one public directory of every merchant offering it; each merchant decides independently, so look for the option at that merchant's own checkout. Laters.com itself confirmed Splitit for eligible flight bookings in the United States, United Kingdom and Australia.

Is it hard to get approved for Splitit?

Splitit's Retail Plan runs no new credit check and needs no loan application; you just need an eligible existing credit card with enough available credit to cover a temporary authorization. Approval for a specific Laters.com booking and card is confirmed at checkout, not in advance.

Which 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.

Can 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.

Which airlines accept installments?

No airline needs to sign up for Splitit specifically: it's offered at the Laters.com checkout itself for eligible US, UK and Australian bookings, independent of which airline operates the flight.

Is it possible to Buy Now, Pay Later on flights?

Yes: Laters.com offers Splitit's card-linked Retail Plan at checkout for eligible US, UK and Australian bookings, spreading a fare over a schedule on your existing card with no added interest from Splitit.

Is there any fly now pay later?

Laters.com's own checkout offers Splitit as a fly-now-pay-later route for eligible bookings in the US, UK and Australia, using a card you already hold instead of a new loan application.

Which airline offers Buy Now Pay Later flights?

No single carrier has to offer this for you to use it: Laters.com's checkout itself provides Splitit's installment-style plan across its eligible bookings in the US, UK and Australia, independent of airline.

What 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.

What 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.

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 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.