Choose Pay now, interest-free instalments over 6 weeks, or Pay monthly plans of 3, 6 or 12 months. Longer plans carry an APR and a credit check applies.
Yes, you can use Zilch to book flights and buy plane tickets for any airline, any route, and any fare class when you book through Laters.com. Zilch is a credit product, so eligibility and any interest depend on the plan you pick. Book through Laters.com rather than an airline's own site, and Zilch appears as a payment method at checkout, letting you spread the fare instead of paying it all today.
Most airlines have no direct link with Zilch, which is exactly why booking through Laters.com matters. American Airlines, Delta and United don't offer Zilch at their own checkouts in the US, and neither do British Airways, Lufthansa, or Scandinavian carriers like Norwegian and Finnair across the UK, Germany and the Nordics. Book any of them through Laters.com instead, and Zilch shows up as a payment method built into our checkout: select Zilch, choose a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Depending on where you're based, you can pay in full with the Zilch card, split the fare over 6 weeks, or spread it across several months, with some plans interest-free and others carrying interest, subject to approval and available only to adults aged 18 and over. That range covers everything from a long-haul business-class seat to a short domestic hop, and Zilch is available across the markets Laters.com supports for this provider. Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply.
Zilch lets you cover a fare in one go or split it into instalments over weeks or months. Pay now costs nothing extra, but the multi-instalment plans are credit: some carry interest, a fee may apply, and Zilch runs a credit check before deciding what you're offered.
$500
No credit is involved here: you pay the fare in full at checkout with your Zilch card and, in return, you're eligible for cashback rewards on the spend. Debit product funded instantly from your linked debit card; Zilch states there are no costs for a Pay now transaction and it earns Rewards cashback (up to 8% per UK terms, up to 5–6% per current help centre).
This plan can be interest-free when you repay on schedule, though a fee may apply and the figures shown are illustrative until Zilch's credit check sets your actual terms. Miss a payment and the cost changes, even though Zilch says it won't charge you a late fee for it. UK: minimum purchase £10; upfront is 25% or 50% depending on your Zilch plan. A fee of £0–£3.50 applies when you enable your Zilch card in the app (£3.75 via Zilch Anywhere), plus an extra £1 on purchases over £75. UK representative example: £1,000 spend + £11.50 fees, £1,011.50 total repayable. US: 4 instalments over 6 weeks at 0% APR, fee up to $3, down payment may be required.
Spreading the fare over three months keeps things manageable if you stay on schedule, but this plan carries interest from an illustrative rate and a monthly fee, both confirmed only after a credit check. It's a UK-only option within the longer Pay monthly range. UK only, part of Pay monthly. Minimum purchase £75. Upfront may be 0%, 25% or 50% depending on your Zilch plan. Monthly fee 0%–1.5% of the purchase amount when you enable your Zilch card, 1.8% via Zilch Anywhere.
Six months of repayments means smaller instalments, but interest applies from an illustrative rate along with a monthly fee, and approval depends on a credit check and your account level. This one's also limited to the UK. UK only, part of Pay monthly (higher account levels). Minimum purchase £75. Monthly fee 1.5% with the Zilch card enabled, 1.8% via Zilch Anywhere.
Stretching to twelve months lowers each instalment further, though interest still runs from an illustrative rate and a monthly fee applies, with terms set after a credit check. Available in the UK only, and typically for higher account levels. UK only, part of Pay monthly (Classic/X Level 3). Minimum purchase £75. Monthly fee 1.5% with the Zilch card enabled, 1.8% via Zilch Anywhere.
The 6-week, four-instalment plan is the one most travellers see at checkout; the longer monthly plans sit alongside it only in the UK. Everywhere Zilch operates, repayments go to Zilch itself, and your airline issues the e-ticket in full once the booking is confirmed.
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.
Zilch checkout on Laters.com currently covers the UK and the US, so travellers booking from either side of the Atlantic can split a fare rather than paying it all at once. Because no total-market figure for Zilch's own footprint has been supplied, we won't guess how our coverage compares to its wider business, only that both markets shown here reflect Zilch's own published country terms rather than our estimate of them. Settlement happens in your local currency, such as GBP or USD, so there's no conversion surprise at checkout. As always, this is a credit product: some plans carry interest and a credit check applies, so check eligibility on Zilch's site before booking. This guide lists instalment plans in 2 markets.
Zilch UK offers Pay now, Pay over 6 weeks and Pay monthly (Pay over 3, 6 or 12 months), settled in GBP and usable anywhere Visa is accepted, including flight bookings via Zilch Anywhere.
Plans as published by Zilch for United Kingdom (GB), verified .
Zilch USA offers Pay now with cashback and Pay over 6 weeks in 4 instalments in USD, usable anywhere Mastercard is accepted, with loans made by Cross River Bank.
Plans as published by Zilch for United States (US), verified .
The short-term instalment plan most people mean by "pay in 4" appears here as Pay over 6 weeks in the UK and the US, taking one instalment at purchase and the rest at fixed fortnightly intervals afterwards, with no interest when paid on time. The longer Pay monthly options (over 3, 6 or 12 months) are UK only and do carry interest, and approval for any plan isn't guaranteed since a credit check applies. Limits, fees and rates differ by country and are confirmed by Zilch at checkout, so treat what's shown there as the final word.
Most airlines don't offer Zilch at their own checkout, and the ones that do each write their own rules for it. On Laters.com, Zilch sits inside one checkout that covers every airline we sell, so the plans you get don't depend on who's flying the plane.
Here's the part the table can't show: Laters.com is who you're actually booking with. Whichever airline operates your flight and whichever Zilch plan gets approved (a credit check applies, and some plans carry interest), we're the one who handles the ticket, any changes, and any refund.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Zilch built into checkout on all 650+ airlines | ✓ | Very few |
| The same Zilch plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Zilch | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Zilch | ✓ | 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 Zilch's published plan terms, APRs and fees, its stated eligibility and country availability for flight bookings, and independent research into its approval process. No brand pays Laters.com to be rated. 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.
Zilch splits into five distinct shapes: Pay now with cashback, Pay over 6 weeks in 4 instalments, and Pay monthly across 3, 6 or 12 months. Short-term Pay over 6 weeks charges a small enablement fee rather than interest, while Pay monthly plans run from 14.9% APR representative. Zilch says it never charges late fees. UK coverage is full; US traveller access is limited to two plans.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility9/10
Five shapes: Pay now, Pay over 6 weeks (4 instalments), and Pay monthly over 3, 6 or 12 months. Not a 10: the three longest terms all require a £75 minimum purchase, excluding the cheapest fares.
Interest Rate8/10
Pay now and Pay over 6 weeks carry 0% interest, with a small enablement fee instead. Pay monthly (3, 6, 12 months) runs from 14.9% APR representative, so the longer terms are not interest-free.
Eligibility7/10
UK sees all five plans; US access is limited to Pay now and Pay over 6 weeks only, so the full range is not available in every market Laters.com serves.
Approval Process8/10
Pay now needs no credit check at all, as a debit product. Pay in 4 and Pay monthly plans do run a credit check, and Pay monthly can carry conditions tied to account level.
This table prices one fare across Zilch's plans in the UK, the market where its full plan range applies. The fare itself does not change: Zilch adds no booking fee or surcharge simply for choosing to pay this way.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay nowNot a credit product | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
| Pay over 6 weeks0% interest (fees may apply) – from 14.9% APR representative | $250.00 | Set at approval | Set at approval | Set at approval |
| Pay over 3 months3 months at From 14.9% APR representativeCosted at 14.9% APR for comparison | $250.00 | $341.65 a month, 2 times Final payment: $91.64 | $1,024.94 | $24.94 |
| Pay over 6 months6 months at From 14.9% APR representativeCosted at 14.9% APR for comparison | $250.00 | $173.98 a month, 5 times | $1,043.91 | $43.91 |
| Pay over 12 months12 months at From 14.9% APR representativeCosted at 14.9% APR for comparison | $250.00 | $90.21 a month, 9 times | $1,082.53 | $82.53 |
This worked example is an illustration, not a quote. What you're offered depends on your market and on approval, and every provider on Laters.com is costed against the same rows so you can compare fairly across them.
Both Zilch and hoolah sit at the Laters.com checkout, so this isn't a search for another site, it's a choice between two ways to pay right here. Zilch spreads its offer across up to five plan types, from Pay now through Pay over 6 weeks to Pay monthly plans running as long as 12 months, all carrying representative APR once you move past the upfront share. hoolah, by contrast, is built around a pay-in-4 product, and you can compare hoolah for flights on Laters.com to see how its instalment rhythm stacks up. If Zilch isn't available where you are, these are the other providers that can spread the cost of your flight.
hoolah splits the fare into instalments rather than one upfront charge, and approval at checkout is not guaranteed. Read the current terms on hoolah's own site before you book.
Coverage varies by market, so check hoolah directly for your country.
Klarna offers more than one way to split a fare, and some of its plans carry interest while others don't, so a credit check can apply depending on the option you choose. Missing a payment can bring fees, so it pays to check the schedule before you confirm.
Coverage varies by market, so check Klarna directly for your country.
Afterpay charges the fare in four instalments rather than all at once, and it runs an eligibility check before approving you, so having a Laters.com booking ready is no guarantee of approval. It also trades as Clearpay in some markets.
Coverage varies by market, so check Afterpay directly for your country.
Affirm is built for spreading a larger fare over several months rather than a few weeks, and its plans can carry interest depending on the term you're offered, subject to a credit check. Read the loan terms before you accept one.
Coverage varies by market, so check Affirm directly for your country.
Atome lets you split a flight into instalments instead of paying the fare in full at booking, with approval and any fees subject to the terms it sets at checkout. A missed payment can bring extra charges, so keep the schedule handy.
Coverage varies by market, so check Atome directly for your country.
Zip breaks the fare into a series of payments rather than one lump sum, and approval depends on its own eligibility check, which can include a look at your credit. Fees may follow if an instalment is missed.
Coverage varies by market, so check Zip directly for your country.
Everything you need to know about paying for flights with Zilch on Laters.com.
Yes. Laters.com lets you check out with Zilch and choose from Pay now, Pay over 6 weeks, or Pay monthly over 3, 6 or 12 months, depending on which country you are booking from and which Zilch plan level you hold. Some of these plans carry an APR from 14.9% representative and all require a credit check through Zilch. Confirm which plans are showing on your account at checkout, or check current terms at zilch.com/uk.
Every airline sold on Laters.com can be paid for with Zilch. Zilch sits at checkout as a payment method rather than something individual airlines switch on or off, so if you can search and price a flight on the site, you can pay for it with Zilch, subject to approval and the usual credit check on interest-bearing plans.
No. Laters.com does not add a payment surcharge or booking fee for using Zilch, so the fare shown is the same one you would pay by card. Zilch itself never charges late fees, but its Pay monthly plans carry an APR from 14.9% representative, plus a card or Anywhere fee depending on the plan, so the total cost can still be higher than paying in full.
Your e-ticket is issued once Zilch approves and processes the payment at checkout on Laters.com. For Pay now, that happens as soon as the debit charge from your linked card clears; for Pay over 6 weeks or Pay monthly, it follows approval of the first instalment. Delivery timing can vary by airline, so check your booking confirmation email for the exact ticket details.
It depends on the plan. Pay now is a debit-funded transaction and does not involve borrowing, but Zilch's Pay over 6 weeks and Pay monthly plans (3, 6 or 12 months) involve a credit check as part of approval, and missed repayments on these plans can affect your credit file. Only apply for an instalment plan if you are confident you can meet the scheduled payments, and check zilch.com/uk for how Zilch assesses applications.
Zilch states it never charges late fees, but that does not remove the risk of a missed payment. A missed instalment on Pay over 6 weeks or Pay monthly can still be reported to credit reference agencies, which may affect your credit standing and your ability to get credit elsewhere in future. Contact Zilch directly if you think you will miss a payment, since your account level and access to future plans may also be affected. Always check zilch.com/uk for the current policy.
Zilch is available for flight bookings on Laters.com from the UK and the US. UK customers can access Pay now, Pay over 6 weeks and Pay monthly (3, 6 or 12 months), settled in GBP, while US customers can access Pay now with cashback and Pay over 6 weeks in USD, since Pay monthly is not offered in the US. Availability and plan mix depend on your account and country, so confirm what shows at checkout or check zilch.com/uk.
For a higher-value long-haul fare, UK travellers may prefer Pay monthly over 6 or 12 months, which spreads a larger fare across more instalments than the shorter Pay over 6 weeks plan. These longer Pay monthly plans carry an APR from 14.9% representative plus a monthly fee, and require a minimum purchase of £75 along with a credit check, so the total repayable will be higher than the fare itself. US travellers currently only have Pay now or Pay over 6 weeks available, regardless of fare size.
It can. Pay now is debit-funded and not a form of borrowing, but Zilch's instalment plans involve a credit check at application and are a form of credit, so how you manage them can influence your credit file. Missing a payment on Pay over 6 weeks or Pay monthly may be reported to credit reference agencies and affect your credit standing, while consistently on-time repayments are generally viewed more favourably. Check zilch.com/uk for details on how Zilch reports account activity.
When an airline refunds a cancelled flight, the refund is applied back to your Zilch repayment schedule rather than paid to you directly in cash first. Any instalments already collected on Pay over 6 weeks or Pay monthly are typically credited back against the plan, reducing or clearing what you owe, while future instalments are adjusted or cancelled accordingly. Refund timing depends on the airline's own refund process, so check your Zilch account and the airline's fare rules, and confirm the exact process at zilch.com/uk.
Yes. A Zilch plan applies to the total fare you are charged rather than to the route itself, so international and multi-stop itineraries are paid for the same way as a simple one-way ticket. What decides which plans you see is the country you are booking from on Laters.com, not the route you are flying, so a UK-booked multi-stop trip can access Pay monthly while a US-booked one is limited to Pay now or Pay over 6 weeks.
Not entirely. Zilch's Pay over 6 weeks plan is described as 0% interest with fees rather than a formal APR product in some markets, but the UK version can carry rates from 14.9% APR representative depending on your account, plus a card-enabling fee of up to £3.50 (or £3.75 via Zilch Anywhere) and an extra £1 on purchases over £75. There are no late fees, but the total repayable can still exceed the fare, so read the representative example on zilch.com/uk before you commit.
Airline miles, tier points and status benefits are awarded by the airline based on your fare and ticket, not on how you pay for it, so paying with Zilch on Laters.com should not stop you earning them. What Zilch adds on top is its own Rewards cashback on Pay now transactions, which is separate from any airline loyalty programme. Check the fare's own terms with the airline for exactly which benefits apply to your ticket type.
Yes, in principle, since Zilch plans apply to the total amount charged rather than to a particular cabin class. A pricier business class fare is more likely to need a Pay monthly plan over 3, 6 or 12 months in the UK, where a minimum purchase of £75 applies and a credit check is required, rather than the shorter Pay over 6 weeks plan. In the US, only Pay now or Pay over 6 weeks are currently available, whatever the cabin.
Yes, you need a Zilch account and, for instalment plans, an approved credit line before checkout will let you select Zilch as a payment method on Laters.com. Setting one up involves a credit check for anything beyond the debit-funded Pay now option, and approval is not guaranteed. Visit zilch.com/uk to see the sign-up process and current eligibility guidance before you start booking.
Zilch is a London-founded payments company that has grown into one of the UK's most widely used ways to pay in instalments, letting shoppers choose between paying in full today or spreading a purchase, flights included, over several weeks or months. It started as a single card product and has since grown into a wider payments network spanning shopping, travel and everyday retail, with flights now sitting alongside groceries and gadgets as something customers routinely book this way on Laters.com.
Zilch was founded in London in 2018 by Philip Belamant, Serge Belamant and Sean O'Connor, launching publicly in 2020 after securing consumer credit authorisation from the UK's Financial Conduct Authority. It remains privately held, and has since added a payments services licence from the FCA and moved to acquire a licensed European bank, extending its reach beyond the UK. That growth hasn't been in a straight line: in 2022, as the wider buy-now-pay-later sector cooled, Zilch cut more than a tenth of its workforce, before returning to profitability in the years since. Only borrow what you can comfortably repay on the schedule you agree to, and check Zilch's own site for its current terms and eligibility.
Booking with Zilch on Laters.com starts the way any flight search does: find your route, select Zilch at checkout, and choose a plan. Depending on what's on offer in your market, you may see Pay now for the full fare today, Pay over 6 weeks split into four instalments, or Pay monthly spread across three, six or twelve months, and your e-ticket is issued once payment is approved. Pay now carries no separate cost when settled at checkout, while the longer plans can carry fees or interest, from 14.9% APR representative, and every plan is subject to a credit check and Zilch's approval, so being accepted is never guaranteed.
Laters.com is the merchant on this booking and issues your ticket; Zilch is the payment method and the credit provider, not the seller of the flight. Paying with Zilch adds no payment surcharge and no booking fee, so the fare you see is the same as paying by card. You don't need a credit card to book this way: Zilch settles the fare with the airline on your behalf, and your repayments go to Zilch under the plan you chose, 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.
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 Zilch’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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