Tamara is now available to Laters.com: pay in 3 interest-free instalments, or defer with pay in 4, though approval isn't guaranteed and a credit check applies.
Edited by Alex Yardley
Tamara is now available on Laters.com, and you can use it to book flights and buy plane tickets across our full range of airlines, routes and fare classes. tamara is a credit product, so plans will carry the usual conditions: some plans are interest-free when paid on time, others carry interest, and approval depends on a credit check.
Plenty of major carriers don't offer tamara directly at checkout, among them American Airlines, Delta and United in the US, and British Airways, Lufthansa and SAS across the UK, Germany and the Nordics. That's exactly why booking through a comparison platform matters: Now you can just select it at the Laters.com checkout, pick a plan that fits your budget, and get your e-ticket once payment is confirmed, regardless of which airline you fly.
Tamara expect pay-in-3, pay-in-4 and longer financing plans, subject to approval and available to travellers aged 18 and over, with availability varying by market. That should cover everything from a long-haul business-class seat to a short domestic hop, though some plans carry interest and a credit check applies before approval. Zilch is also accepted at our checkout for travellers who want to compare options.
Figures as published by tamara, verified against tamara’s country terms.
Tamara lets you split a fare across three payments, four instalments, or a longer monthly schedule for bigger trips. These are credit plans: some carry interest, a credit check applies, and approval is never guaranteed.
$500
Pay in 3 stays interest-free when every payment lands on time, split across one due at order and two more in the following months. Miss one and a fee may apply, so keep the dates in view. three interest-free payments — one at order, two monthly thereafter. Zero fees on the 3-payment split when paid on time.
Pay in 4 spreads the fare into four equal instalments and costs nothing extra when you pay on schedule. Fall behind and a fee can apply, so treat the due dates like a bill. Four equal interest-free instalments, 0% interest when paid on time.
Pay over time turns a fare into monthly instalments over a longer stretch, and this one is a credit product: a credit check applies, and the longer the term, the more likely interest is charged. The rate and term you're offered are set by Tamara after that check, not fixed in advance. Long-form financing: up to 24 monthly instalments (interest-bearing for longer terms — APR varies per product)
Tamara repays itself directly on the schedule you agree at checkout, and your e-ticket is issued in full once the booking is approved, whatever plan you choose to split it with.
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.
Tamara is on Laters.com. Tamara's own footprint centres on Saudi Arabia and the United Arab Emirates, with the wider Gulf region as its home market. The supplied coverage here matches Saudi Arabia and the United Arab Emirates, Tamara is on checkout on Laters.com and reflects the markets Tamara operates in for flight bookings, with fares settled in SAR and AED rather than converted at checkout. This guide lists instalment plans in 2 markets. This guide lists financing in 2 markets. 2 currencies are listed in this guide.
Plans as published by tamara for Saudi Arabia (SA), verified .
Plans as published by tamara for United Arab Emirates (AE), verified .
Tamara's short-term instalment plan is called Pay in 3 in Saudi Arabia and the United Arab Emirates, its main published markets. It works by taking one payment at the time of purchase and two more at monthly intervals afterward, with no interest charged when every instalment lands on time. Approval is never guaranteed, since a credit check applies, and Tamara's longer financing option, running well beyond three payments, does carry interest. Limits and rates differ by country and market, and the exact terms for your fare will be shown by Tamara at checkout.
Tamara is live on Laters.com. Most airlines don't offer Tamara at their own checkout, and the few that do set their own rules; here it'll sit in one checkout covering every airline we sell.
The booking is now available with Laters.com, not the airline or Tamara. That means one party to call if your flight changes or a refund is due, whichever airline operates it and whichever Tamara plan you're approved for, a credit decision that carries its own terms.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| tamara built into checkout on all 650+ airlines | ✓ | Very few |
| The same tamara plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with tamara | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with tamara | ✓ | Varies |
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 is based on tamara's published plan terms, SAMA licensing status, and eligibility criteria for flight bookings as supplied by tamara; no brand pays Laters.com for its rating. 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.
Tamara covers Saudi Arabia with three plan shapes: Pay in 3, Pay in 4, and financing up to 24 months. The short plans are interest-free when paid on time, while financing is interest-bearing for longer terms with APR set per product. Not yet live on Laters, so treat this as a preview.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility9/10
Three distinct shapes: Pay in 3 (interest-free), Pay in 4 (interest-free), and Pay over time (up to 24 months, interest-bearing). Held from 10 because the two short plans cluster in the same interest-free shape.
Interest Rate8/10
Pay in 3 and Pay in 4 both run at 0% when paid on time, with zero fees on Pay in 3. Pay over time carries interest for longer terms with APR that varies per product, keeping it out of the top band.
Eligibility7/10
All three plans are confirmed only for Saudi Arabia, the sole market in the supplied country records. No spread across markets to cite; this single-market picture holds it at the floor.
Approval Process7/10
Tamara runs a credit assessment on every plan before approval, including the interest-free Pay in 3 and Pay in 4. Terms disclose late fees may apply, and tenor options aren't fully listed, so this sits at the floor.
This table prices one Saudi Arabia fare across tamara's plans. The fare itself does not change: Laters adds no booking fee or surcharge for choosing to pay this way, whichever plan is offered.
| Plan | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 30% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 40% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay over time | Not specified | At checkout | At checkout | At checkout |
Treat the table as an illustration, not a quote: what tamara offers depends on the traveller's market and on approval at checkout. Every provider on Laters is costed on the same rows so they can be compared fairly.
Tamara is on Laters.com. You can choose between two credit products at the same checkout: Tamara publishes up to three plan types, from short interest-free splits to longer instalment financing, while Zilch is built around a pay-in-4 product with no long-term financing option in its lineup. You can compare Zilch for flights on Laters.com. If Tamara isn't available where you are, these are the other providers that can spread the cost of your flight.
Zilch splits your fare into four payments, and approval is subject to a credit check that can affect which limit you're offered. Missing an instalment can bring fees, so it pays to check the schedule before you book.
Coverage varies by market, so check Zilch's site for your country.
Klarna offers a pay-in-4 split alongside longer monthly financing on some purchases, and it runs a credit check before approving either plan. Some of its financing options carry interest, so it's worth reading the terms for the specific plan offered at checkout.
Coverage varies by market, so check Klarna's site for your country.
Afterpay's core product splits a fare into four instalments, with approval based on an assessment of your account history rather than a hard credit pull in every market. Late payments can trigger fees, so it's worth confirming the schedule before you commit.
Coverage varies by market, so check Afterpay's site for your country.
Affirm leans toward multi-month financing rather than a short pay-in-4 split, and approval depends on a credit check with terms that can include interest depending on the plan you're offered. Read the specific rate and term shown at checkout before you confirm.
Coverage varies by market, so check Affirm's site for your country.
Tabby splits a flight fare into four instalments and, like other BNPL providers, runs an eligibility check before confirming your plan. Missed payments can lead to fees, so it's worth reviewing the repayment dates before booking.
Coverage varies by market, so check Tabby's site for your country.
Atome typically splits purchases into three instalments, and approval is subject to its own eligibility assessment rather than a guarantee for every applicant. Missed payments can carry fees, so check the repayment dates before you fly.
Coverage varies by market, so check Atome's site for your country.
Everything you need to know about paying for flights with tamara on Laters.com.
Yes. Tamara is live on Laters.com, so travellers who want to split a fare with Tamara's Pay in 3, Pay in 4, or long-form financing can do so with laters.com. tamara.co says all three plans are available to shoppers in Saudi Arabia. Keep an eye on Laters.com and confirm current terms at https://tamara.co/en-sa.
All of them, on Laters.com. Tamara sits at checkout as a payment method rather than something each airline switches on individually, so any flight sold through Laters.com would be eligible for a Tamara plan such as Pay in 3 or Pay in 4. No airline needs to sign up separately for this to work. Confirm availability and terms at https://tamara.co/en-sa
No. With tamara on Laters.com, the fare will be priced the same whether a traveller pays by card or splits it with Tamara, since Laters.com does not add a payment surcharge or booking fee. The Pay in 3 and Pay in 4 plans carry zero fees when instalments are paid on time, but Tamara can charge a late fee if a payment is missed, and the long-form financing plan can be interest-bearing over its term. Check https://tamara.co/en-sa for the current fee schedule.
The e-ticket process will follow the same pattern as other payment methods: your ticket is issued once your Tamara payment plan is approved and the booking is confirmed. Exact timing for Tamara approvals is not yet published for Laters.com, so travellers should watch for launch details. https://tamara.co/en-sa outlines how approval works for Tamara generally.
Tamara runs a credit assessment as part of approving any Pay in 3, Pay in 4, or financing application. This is a real check tied to your financial profile, not a formality, and approval is never guaranteed. Review current eligibility and credit-check information directly at https://tamara.co/en-sa before you plan to rely on it.
Missed payments can trigger a late fee, and Tamara states it may charge such fees as permitted by law. A missed payment can also be reported and affect your credit standing, so instalments should be treated as a real financial commitment rather than a flexible extra. This applies to Pay in 3, Pay in 4, and the long-form financing plan alike. Confirm the specific missed-payment terms at https://tamara.co/en-sa once available.
Saudi Arabia is the only market listed in Tamara's current availability data, with Pay in 3, Pay in 4, and financing plans offered there in SAR. Travellers elsewhere should check https://tamara.co/en-sa for any market expansion.
The long-form financing plan is built for larger fares, spreading the cost over up to 24 monthly instalments rather than the shorter Pay in 3 or Pay in 4 windows. Longer terms can mean the balance becomes interest-bearing, with the APR varying by product, so a long-haul fare financed this way may cost more than the ticket price alone. Check https://tamara.co/en-sa for current terms before choosing a plan.
It can. Tamara performs a credit assessment before approving Pay in 3, Pay in 4, or financing applications, and missed payments may be reported to credit reference agencies and affect your credit standing. Paying on schedule is unlikely to cause the same issue, but the risk exists across all three plans.
This depends on Tamara's refund process. Generally with instalment providers, a refund is applied against the outstanding balance on the plan, whether that is Pay in 3, Pay in 4, or the financing option, rather than paid out separately while instalments continue. Do not assume repayments pause automatically. Confirm the exact refund handling at https://tamara.co/en-sa before booking a refundable or changeable fare.
It work the same way, because a Tamara plan applies to the total fare rather than to the route itself. It is the country you book from, not the destinations you fly to, that determines which plans appear, and currently only Saudi Arabia is listed in Tamara's availability data. Multi-stop or international tickets booked from an eligible country would be split like any other fare.
Pay in 3 and Pay in 4 are both structured as interest-free when instalments are paid on time, with Pay in 3 charging zero fees on-time and Pay in 4 running at 0% interest on-time. The catch is what happens off schedule: a missed payment can bring a late fee and potential credit reporting, and the separate long-form financing plan, unlike the two short-term plans, can be interest-bearing over its term. Read the full terms at https://tamara.co/en-sa before assuming any plan is cost-free.
Mile and status accrual is set by the airline's fare rules, not by the payment method, so a ticket paid through Pay in 3, Pay in 4, or Tamara's financing plan should earn the same miles as one paid by card. Tamara's own facts do not address loyalty programmes directly, so this is a general expectation rather than a guarantee. Check the fare rules on your ticket and https://tamara.co/en-sa for any payment-specific caveats.
Once tamara is live on Laters.com, a higher-value fare like business class would be a candidate for the long-form financing plan, which spreads payments over up to 24 months rather than the shorter Pay in 3 or Pay in 4 windows. Longer financing terms can carry interest, with the APR varying by product, so a premium fare financed this way may end up costing more than the ticket price. Confirm current plan availability for higher fares at https://tamara.co/en-sa.
Tamara is a Sharia-compliant buy now, pay later provider built for shoppers across the Middle East, splitting purchases from groceries to flights into instalments rather than one lump sum. It has grown well beyond a single-category checkout tool into a payment method used across retail, and travel, including flights, sits inside that wider push to make big-ticket purchases easier to schedule rather than easier to skip.
The company was founded in Riyadh in 2020 by Abdulmajeed Alsukhan, Turki Bin Zarah and Abdulmohsen Albabtain, and has operated under the Tamara name since launch. Today it holds a licence from the Saudi Central Bank (SAMA), which places it under formal financial oversight rather than leaving it as an unregulated app, and it remains a privately held company rather than a publicly listed one. Its regulatory standing has strengthened over time as it moved from provisional approval toward a full licence, though as with any lender, terms and eligibility criteria can and do change, so treat any older report of its status with caution. Only take on a Tamara plan for an amount and schedule you're confident you can repay on time; check tamara.co for its current terms before you commit.
Booking is straightforward in outline: search your route on Laters.com, select tamara at checkout, and choose from the plan families on offer, Pay in 3, Pay in 4, or longer-term financing, with your e-ticket issued once payment is approved. The 3- and 4-payment splits are interest-free when paid on time, while the longer-term financing option is interest-bearing for extended terms and, like any tamara plan, is subject to a credit check and approval rather than automatic sign-off.
Laters.com is the merchant of record for this booking and issues the ticket; tamara is the payment method and credit provider, not the seller of the flight. The booking itself is handled by Tamara Finance Company (CR 1010627663), licensed and regulated by SAMA, so the ticket is sold by a licensed travel agent rather than an anonymous intermediary. Paying this way carries no payment surcharge and no booking fee from Laters.com, so the fare is the same as paying by card. You don't need a credit card to book when paying with tamara: tamara settles the fare with the airline on your behalf, and your repayments go to tamara, not to Laters.com. Tamara isn't live on Laters.com yet, this integration is coming soon, so stay tuned for updates on when you'll be able to select it at checkout.
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.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
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 tamara’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 August 2026.
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Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
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