Compare flights on Laters.com today, but TrueMoney is not yet available, so pick another provider at checkout.
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Edited by Adinda Irawan
TrueMoney Is Not Yet Available on Laters.com
No. TrueMoney's Pay Next is not yet available at Laters.com checkout, so you cannot use Pay in Full, Pay in 2, Pay in 3, Pay in 4 or Pay in 5 to book a flight here today. That is a disappointment if you had your heart set on it. We would rather say so than let you find out at the last screen. Another provider is available at checkout for now. Any pay-later option is a credit product, so a credit check and approval apply.
TrueMoney is the wallet from Ascend Money, a Southeast Asian fintech company, and its pay-later credit line is called Pay Next. We have not confirmed that either works at an online airline checkout. For now, choose another provider at our checkout. Pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
TrueMoney's plans in our data run from paying in full to splitting a payment into two, three, four or five parts. Whether they will reach Laters.com, and in which markets, is not something we can promise yet. Any plan would be subject to approval and a credit check, and some plans may carry interest. Check TrueMoney's own website for its current terms.
Figures as published by True Money, verified against True Money’s country terms.
TrueMoney is not yet available to book with on Laters.com, so choose another payment provider at checkout for now. The cards below show the plan shapes TrueMoney uses, priced in the currency you have selected. Set a flight budget, then compare the amount due today, the payments that follow and the total repayment. A credit check applies to credit plans and some plans carry interest.
$500
Pay in Full costs no interest when the whole balance is repaid by the due date. If it is not, interest may apply to what remains, and approval depends on True Money's credit assessment. Interest-free when the Pay Next statement balance is paid in full by the due date.
Pay in 2 adds nothing to the fare if the offer shown carries no interest and you pay on schedule. If it does carry interest, the total repayment rises, and a credit check applies. Describes choosing a 2-month installment period on the Pay Next revolving balance, not a fixed 2-way split chosen at checkout; interest accrues on a reducing balance.
Pay in 3 costs nothing extra when the offer is interest-free and every payment is made on time. A late payment, or an offer with interest, makes the fare cost more, and a credit check applies. Describes choosing a 3-month installment period on the Pay Next revolving balance, not a fixed 3-way split chosen at checkout; interest accrues on a reducing balance.
Pay in 4 stays at the fare price when the offer is interest-free and you pay on time. Otherwise the extra payments can bring interest into the total, and True Money checks credit before approving. Describes choosing a 4-month installment period on the Pay Next revolving balance, not a fixed 4-way split chosen at checkout; interest accrues on a reducing balance.
Pay in 5 costs no more than the fare when the offer is interest-free and each payment lands on time. A longer spread gives any interest more time to build, and a credit check applies. Describes choosing a 5-month installment period on the Pay Next revolving balance (also the default for an unresolved balance after the due date), not a fixed 5-way split chosen at checkout; interest accrues on a reducing balance.
You would repay TrueMoney, not Laters.com or the airline, and the ticket would be issued in full at booking. None of this applies until TrueMoney is added.
Every plan above draws on the same Pay Next revolving credit line, so interest and approval rules are shared across Pay in Full through Pay in 5. None of this is bookable on Laters.com yet; compare another live provider for now.
TrueMoney is not yet available at Laters.com checkout, so for now choose another provider when you book. The grid below shows what TrueMoney publishes for Thailand, the only market its own pages confirm for Pay Next. Its credit plans are Pay in Full, which settles the whole balance, and an installment period chosen on the statement balance. Open Thailand in the grid for product names, schedules and costs. This guide does not confirm what Laters.com can offer for a booking. This guide lists instalment plans in 1 market. 1 currency is listed in this guide.
Pay Next is Thailand's pay-later credit line inside the TrueMoney app, a revolving credit line of up to 20,000 THB provided by Ascend Nano Co., Ltd. Pay in Full settles the statement balance and is interest-free when paid by the due date. Choosing an installment period of 2 to 5 months instead (available after using at least 300 THB of the credit line, chosen between the 16th and the 1st of the billing cycle) carries interest of 0% to 25% per year on a reducing balance. An unresolved balance is automatically placed on a 5-month installment after the due date. Eligibility is stated as 20-60 on TrueMoney's own eligibility page and 20-65 on the Ascend Nano product fact sheet; this discrepancy is unresolved and is not collapsed into one figure.
Default interest is the normal rate plus 3% (capped at 25%/year) on overdue principal per the Pay Next product fact sheet; TrueMoney's dedicated default-interest page adds that it does not currently charge default interest in practice.
Plans as published by True Money for Thailand (TH), verified . True Money Thailand terms
Thailand's plan labels are Pay in Full, Pay in 2, Pay in 3, Pay in 4 and Pay in 5. Pay in Full settles the balance, and it can be interest-free if paid by the due date. Approval is not guaranteed for this credit. Choosing an installment period instead can carry interest. Limits and rates are set by TrueMoney, so check its own site for current terms. Because TrueMoney is not yet available on Laters.com, compare the other providers in your search.
True Money is not yet available at Laters.com, so you compare flights across every airline we sell and pay with our other provider for now. You choose the flight before the payment at the same checkout, and approved instalments follow the agreed schedule after a credit check.
Laters.com is the merchant for your ticket, so we handle the booking, any change to it and any refund, whichever airline operates the flight. You deal with one party, not several, when something needs changing. Pay-later plans are credit, approval is not guaranteed, and any instalments stay owed on schedule.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| TrueMoney's Pay Next at checkout, right now | Not yet available | Not confirmed on any airline's own checkout either |
| Pay in Full, Pay in 2, Pay in 3, Pay in 4 or Pay in 5 usable for a flight | Not yet available | Not confirmed by TrueMoney's own published pages for any airline |
| Compare every airline in one search before you choose how to pay | 650+ airlines, one search | One airline at a time |
| Other pay-later providers available at the same checkout today | ShopeePayLater and more, live now | Varies by airline; most offer none |
| No surcharge or booking fee for the payment options Laters.com does offer | No surcharge | Varies by 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.
TrueMoney's Pay Next is not yet available at Laters.com checkout, and neither Laters.com's research nor TrueMoney's own published pages confirm Pay Next or any of its plans working at an airline's own checkout today. Laters.com's multi-airline search and current payment lineup are independently verifiable. Sources: https://support.truemoney.com/knowledge-base/pay-later-nano/, https://ascendcorp.com/our-business/ascend-money/.
Our editorial rating, out of 10, for how well a buy now, pay later provider 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 →
Each of the four criteria is scored out of 10 against published plan terms, published rates and eligibility criteria for flight bookings. The headline is the unweighted average of the four, rounded to one decimal, and no brand pays to be rated. Last reviewed October 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.
Not yet available on Laters.com, so pick another provider from our list for now. The scored product is Pay Next, a revolving credit line of up to 20,000 baht with interest of 0% to 25% a year. Pay in Full is 0% only if cleared by the due date. Pay in 2 to Pay in 5 spread the balance over 2 to 5 months. Approval rests on Ascend Nano's assessment, and plans are stored for 7 markets.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Pay in Full, Pay in 2, Pay in 3, Pay in 4 and Pay in 5 give five plans, from one payment to 5 months. Held below 9 because all five draw on one credit line of up to 20,000 baht, instalments open only after 300 baht is used, and a confirmed choice cannot change.
Interest Rate7/10
Pay in Full carries 0% if cleared by the due date. Pay in 2, Pay in 3, Pay in 4 and Pay in 5 sit within a 0% to 25% yearly range, with no rate published per plan. Scored 7 because instalments can cost up to 25% and the range is wide.
Eligibility7/10
Only Thailand is stored, the one market TrueMoney’s own pages confirm for Pay Next, and applicants must be Thai nationals. A 7 means adequate with a real caveat, not good.
Sources: TrueMoney Pay Next: Thailand confirmation and eligibility
Approval Process7/10
Credit decisions rest on Ascend Nano's assessment, made after an application in the TrueMoney app. Applicants need an existing TrueMoney or True account and a group repayment record. No page confirms whether a credit bureau check applies. One approval covers all 5 plans. Held at 7 because an account and record must come first.
The table prices the same fare on each True Money plan. The fare itself does not move, because Laters.com adds no booking fee or surcharge for paying this way. Which plans appear and what they cost depend on the traveller's own country.
| Plan | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in FullNot a credit product | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
| Pay in 20%-25% per year APR | Not specified | At checkout | At checkout | At checkout |
| Pay in 30%-25% per year APR | Not specified | At checkout | At checkout | At checkout |
| Pay in 40%-25% per year APR | Not specified | At checkout | At checkout | At checkout |
| Pay in 50%-25% per year APR | Not specified | At checkout | At checkout | At checkout |
The worked example is an illustration, not a quote. What a traveller is offered depends on the market and on approval. Every provider we score is costed on the same rows, so the figures can be compared side by side.
Looking for airlines that accept TrueMoney? At the moment, none on Laters.com can be paid for with it. TrueMoney is not yet available as a payment option on our site, so there is no airline list to show you here. If you want to spread the cost of a flight, choose one of our other payment providers at checkout for now. Their plans, costs and eligibility checks differ, and a credit check may apply. Approval is not guaranteed, so read each provider's terms before you book.
Nok Air's domestic Thai fares are fare-tiered; review baggage allowance and seat selection for your fare before booking.
TrueMoney is not yet available at the Laters.com checkout, so you can't pay for a ticket with it here for now. Elsewhere it lists up to five plan types, from Pay in Full to Pay in 5, across seven Southeast Asian markets. All of it is credit, so approval applies. For now, compare ShopeePayLater for flights on Laters.com, the other provider we can point you to. If TrueMoney isn't available where you are, these are the other providers that can spread the cost of your flight.
This is a credit product, so approval applies and a credit check may run. Late or missed payments can bring extra costs, so read the terms before you book.
Coverage varies by market. Check the provider's website for your country.
Atome lets you split a fare into smaller payments. Approval is not guaranteed, and fees can follow a missed payment.
Available in selected countries. Check the provider's website for yours.
Klarna offers payment options that spread the cost of a purchase. Which options you see depends on approval, and a credit check may run.
Offered in many markets, though not all. Confirm availability on Klarna's website.
Afterpay divides the cost of a purchase into scheduled payments. Approval applies, and late fees can be added if you miss one.
Coverage depends on your country. Check Afterpay's website for current availability.
Zip is a credit product that lets you repay a fare over time. Approval is not guaranteed, and fees or charges may apply under its terms.
Available in selected markets. Check Zip's website for your country.
Affirm offers instalment plans at checkout. Some plans may carry interest, approval applies, and a credit check may run.
Limited to certain countries. Check Affirm's website to see if yours is covered.
Fees, refunds, credit checks and eligibility
Everything you need to know about paying for flights with True Money on Laters.com.
Not yet. True Money is not available at Laters.com checkout at the moment, so you cannot choose it to pay for a flight here. Its published plans are Pay in Full, Pay in 2, Pay in 3, Pay in 4 and Pay in 5, but none of them can be offered on Laters.com today. Any pay-later plan is credit, so a credit assessment applies and approval is never guaranteed. Compare fares on Laters.com and use the payment options shown at checkout.
None yet. True Money is not offered at Laters.com checkout at the moment, so no airline booked here can be paid for with it today. If it is added, it would be a payment method at checkout. Pay in Full and Pay in 2 to Pay in 5 would then apply to the fare, not to one airline at a time. Any pay-later plan is credit, so a credit assessment applies and interest may be charged.
Laters.com adds nothing. We charge no payment surcharge and no booking fee, so the fare is the same as paying by card. True Money is not live at our checkout yet, and its own costs would still apply. Pay in Full carries no interest when the full amount is repaid by the due date. Pay in 2 to Pay in 5 can carry interest, and late payment can bring default interest and collection fees. Confirm current rates on the True Money website.
Not yet. True Money is not offered at Laters.com checkout at the moment, so no e-ticket can be issued against a True Money payment here. On Laters.com, an e-ticket is issued once your chosen payment is approved. For a pay-later method, approval depends on the provider's credit assessment. For True Money's Pay Next credit, that assessment is made by Ascend Nano. Approval is not guaranteed, so keep a backup way to pay in case it is declined.
A credit assessment applies. The exact type is not confirmed. For its Pay Next credit line, Ascend Nano decides, based on your record of paying for True group services and your debt repayment history. No page we reviewed confirms whether a credit bureau check is part of approval. This is borrowing, so approval is not guaranteed and you should borrow only what you can repay on schedule. True Money is not available at Laters.com checkout yet.
You pay more. With Pay Next, further credit is blocked until the overdue balance is cleared. Repayment can be deducted automatically from your TrueMoney account or a linked bank account. Default interest and debt collection fees can apply, and on default the whole debt becomes due. No page we reviewed confirms whether missed payments are reported to credit reference agencies. Missed payments can still harm your credit standing and your chances of borrowing later. True Money is not offered at Laters.com checkout yet.
None yet. True Money is not live on Laters.com at the moment, so no country can use it here today. Its records list seven markets: Thailand (THB), Cambodia (KHR), Myanmar (MMK), Vietnam (VND), the Philippines (PHP), Indonesia (IDR) and Malaysia (MYR). Pay Next credit is open only to Thai nationals, and no page we reviewed confirms pay-later plans outside Thailand. Any plan is credit, so a credit check applies and approval is not guaranteed.
Pay in 5. It is the longest of True Money's five plans, so it splits a large fare into the most payments. Longer plans give interest more time to build, and the credit still needs approval. Pay in Full carries no interest when repaid by the due date, if you can manage that. True Money is not available at Laters.com checkout yet, so you cannot choose either plan here today. Compare the total cost, not only the size of each payment.
It can. No page we reviewed confirms whether True Money's Pay Next approval includes a credit bureau check or whether repayments are reported. Missed payments, default interest and collection action can still damage your credit standing. True Money is not available at Laters.com checkout yet, so booking a flight here does not create a True Money balance. Credit is a commitment, so borrow only what you can repay. Confirm current practice on the True Money website.
It is unconfirmed. No page we reviewed explains how refunds on Pay Next purchases are handled. True Money is not offered at Laters.com checkout yet, so no flight booked here can be paid for with it. As a general rule, keep repaying on schedule until the provider confirms an adjustment. Missed payments can bring fees and default interest. Any amount repaid beyond what you owe stays in your Pay Next loan account without interest.
Route does not decide. If True Money were added to Laters.com checkout, the plan would apply to the fare, and the country you book from would decide which plans appear. It is not offered there today. Its records list Pay in Full and Pay in 2 to Pay in 5 for Thailand, Cambodia, Myanmar, Vietnam, the Philippines, Indonesia and Malaysia. Pay Next amounts are stated in Thai baht. Any plan is credit, so a credit assessment applies and interest may be charged.
Only if repaid on time. Pay in Full carries no interest when the full amount is repaid by the due date. The catch is that date. If the balance is neither paid in full nor moved to an instalment plan by then, it can be placed automatically on the longest plan, Pay in 5, which can carry interest. Approval is not guaranteed either. True Money is not available at Laters.com checkout yet, so you cannot use Pay in Full on a flight here today.
Not yet. Laters.com checkout works across every fare class, but True Money is not offered there at the moment. Even once available, a credit limit set by Ascend Nano would cap what you could put on Pay Next, so a premium fare may exceed it. Any plan is credit that needs approval, and interest may apply on Pay in 2 to Pay in 5. Compare business class fares on Laters.com and check the payment options shown.
No. Pay Next applicants must be TrueMoney or True customers and Thai nationals. Ascend Nano also looks for a good record of paying for services and a good debt repayment history. True Money is not offered at Laters.com checkout yet, so you cannot open or use an account for a flight booking here. Approval is not guaranteed, and some plans can carry interest. Check eligibility on the True Money website.
Another provider is available. Laters.com checkout currently offers a different pay-later provider in place of True Money. Pay-later is credit, so a credit check applies and approval is not guaranteed. Interest may apply on some plans. Compare prices from multiple providers in one search, then read the plan terms on the provider's own website before you confirm. Laters.com adds no booking fee on any payment method.
TrueMoney is not yet available as a payment method on Laters.com, so you cannot choose it at checkout today. It is an online wallet for everyday payments, used from a mobile phone, and its pay-later credit line is called Pay Next.
We would rather say so here than have you find out at the payment step. Please check out our other providers for now.
TrueMoney is the flagship service of Ascend Money, a Southeast Asian fintech company established in 2013. Ascend Money became Thailand's first fintech unicorn in 2021. Pay Next is a credit product provided by Ascend Nano Co., Ltd., and it carries interest unless the full amount is repaid by the due date.
Approval rests on Ascend Nano's own assessment. Only borrow what you can repay on schedule, and read TrueMoney's own site for current terms.
You cannot book a flight with TrueMoney on Laters.com yet. Search your route as usual and compare prices from multiple providers in one place. At checkout, pick one of the payment providers that is live on the page.
Any plan that spreads the cost is credit. Some plans carry no interest when paid on time, others are interest-bearing, and a credit check and approval apply. Your e-ticket is issued once payment is approved.
Here is who you are buying from. Laters.com is the merchant for the booking and issues the ticket. The payment provider you choose is the payment method and the credit provider, not the seller of the flight.
Laters.com has no hidden booking fees, and repayment goes to the provider you chose rather than to Laters.com. We have not supplied details of our operating entity or its travel-agent licence on this panel, so check the legal information on the site for those. If TrueMoney becomes available here, this page will say so.
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 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 October 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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