Search flights on Laters.com, then split the fare with an Affirm plan at checkout.
编辑：Alex Yardley
Yes. You can use Affirm to book flights and buy plane tickets for any airline, any route, and any fare class when you check out through Laters.com. There is no payment surcharge and no booking fee for choosing Affirm over another payment method. Affirm is a credit product, so plans still carry the usual conditions: some come with interest, and approval is not guaranteed.
American Airlines, Delta and United don't offer Affirm directly in the US, and neither do British Airways, Lufthansa or Ryanair across the UK, Germany and the wider European market. Booking through Laters.com is what makes Affirm usable on all of them, since the plan sits with us at checkout rather than with the airline. At checkout, you select Affirm as your payment method, pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Depending on where you're based, Affirm's pay-in-4 and longer monthly financing plans are available across the US, Canada, UK and Australia, though which plans you see depends on your market. Pay-in-4 is typically interest-free, while monthly financing plans can carry interest depending on your creditworthiness, and every application goes through an eligibility check, subject to approval and open only to travellers 18 or older. Whether you're booking a long-haul in business or a short domestic hop, you can also pay with Visa at our checkout if you'd rather compare the two.
Affirm splits a fare a few different ways, and the cards below price each one in your selected currency. Set a flight budget first, then compare what each plan asks for today, what follows on the schedule, and the total you repay. At checkout, Affirm shows the real offer for your booking. A credit check applies, and some plans carry interest, so read the terms before you confirm.
$500
This plan is interest-free if you keep to the schedule, though a down payment may be required at checkout. Miss a payment and a late fee can apply, so treat the four instalments like any other bill. 免息。可能需要首付。
Spreading the fare over several months can mean no interest at all, but most travellers are offered a rate based on their credit, set only after Affirm's check. The sample repayment shown is illustrative, not the rate you will actually be offered. APR根据信用度和资格审查而定；并非所有客户都符合0% APR的条件。美国示例：12次月付，APR为15%。加拿大费率受省级限制。
This isn't a credit product. Pay the full fare at checkout with a stored card and you get Affirm's buyer protection, with nothing to schedule and nothing to owe afterward. Pay in full immediately with stored cards and buyer protection.
Affirm's short-term plan is offered across its North American, UK and Australian markets, though which plans appear depends on where you're booking from. Whichever plan you choose, Affirm collects the repayments directly, and your airline issues the ticket in full once the booking is confirmed.
仅供说明之用。 上述数字是根据您设定的票价计算的：无息计划采用简单除法，月度融资计划采用该计划在其规定期限内的说明性利率。这些不是报价、价格报价或对您将获得的预测。Laters.com不是贷款人，不参与决策：哪些计划出现、分期金额、任何利息和费用以及您是否符合条件完全由提供商单独决定，并取决于信用或资格评估、您所在的国家和您的购物篮。查看您真实计划的唯一方式是在结账时选择此支付方式，此时提供商而非Laters.com批准或拒绝购买。所有计划、利率、费用和条款仅为估计值，需经批准且可能变更。
Booking with Affirm on Laters.com works if you are shopping from the United States, Canada, the United Kingdom or Australia, four of the markets travellers ask about most. That is not the whole list, so check the grid below for your own country. Affirm publishes its plans under a few names: instalment plans split the fare into a handful of separate payments, while monthly financing spreads the cost over a longer run of monthly payments instead. Open your country in the grid for the exact product names, schedules and costs that apply there. This guide reflects what Affirm publishes per market. It does not confirm which of these products Laters.com can offer on a specific booking, since that depends on the checkout itself. 本指南列出 3 个市场的分期方案。 本指南列出 4 个市场的分期融资。
由Affirm的贷款合作伙伴提供的付款选项（affirm.com/lenders）。您的费率将根据信用情况为0-36% APR，需通过资格审查。Affirm分4期付款为0% APR。可能需要首付。Affirm, Inc.，NMLS ID 1883087。加州居民：根据加州融资法执照60DBO-111681提供或安排的贷款。
Affirm 为 美国（US）发布的计划，已验证 。
通过Affirm Canada Holdings Ltd.提供的付款选项。您的费率将为0-31.99% APR（如适用且受省级监管限制），根据信用度而定，需通过资格审查。并非所有客户都符合0% APR的条件。并非所有省份/地区都提供这些选项。可能需要首付。
Affirm 为 加拿大（CA）发布的计划，已验证 。
Affirm U.K. Limited提供消费信贷产品，由金融行为监管局(FCA)授权和监管，公司参考号756087。
Affirm 为 英国（GB）发布的计划，已验证 。
Affirm 为 澳大利亚（AU）发布的计划，已验证 。
Affirm's short-term instalment plan is widely known as Pay in 4 across the US, Canada and Australia. In the UK, Affirm publishes only its monthly financing product for flights, not Pay in 4. Where offered, Pay in 4 takes one payment at purchase and further instalments at fixed intervals after, interest-free when paid on time. Approval is not guaranteed, and Affirm's longer monthly financing plans carry interest based on creditworthiness. Limits and rates differ by country and are shown by Affirm at checkout: see how Affirm's payment plans work before you book.
Here, you search every airline we sell in one place, then pick a Affirm plan at the Laters.com checkout, the same way Affirm outlines on its own site. You choose the flight first, the payment plan second, and any instalments left after booking keep running on the schedule you agreed to.
Once you book, Laters.com is who you deal with, not the airline and not Affirm directly. That means one team handles your booking, any change to it and any refund, whatever plane you end up on and whichever Affirm plan you were approved for. If a payment or a credit check goes differently than planned, you still only have one number to call.
| 您获得的内容 | Laters.com | 直接向航空公司预订 |
|---|---|---|
| Affirm 内置于所有 650+ 家航空公司的结账流程中 | ✓ | 非常少 |
| 无论您乘坐哪家航空公司，都是相同的 Affirm 分期计划 | ✓ | ✕ |
| 在一次搜索中比较每家航空公司，然后使用 Affirm 付款 | ✓ | ✕ |
| 其他先买后付提供商、稳定币和 100+ 种其他付款方式可在同一结账页面使用 | ✓ | ✕ |
| 使用 Affirm 付款无手续费，无预订费 | ✓ | 有所不同 |
我们对先买后付提供商在您预订航班时的实际运作情况的编辑评分，满分为10分。
我们结账时的每个提供商都按相同的 4 项标准评分，因此您可以在选择付款方式前进行同等比较。 查看所有先飞行后付款提供商评分 →
Each of the four criteria above is scored out of 10 against Affirm's published plan terms, published APR ranges and eligibility rules for flight bookings. The headline score is the unweighted average of those four figures, rounded to one decimal, and no brand pays to be rated on Laters.com. 最后审查于 2026年9月。
Laters.com 是此页面上每笔预订的商家：我们销售机票并从票价中获利，无论您选择哪种支付方式都相同。没有支付提供商为我们的位置、排名或其支付评分付费，此页面不包含任何联盟链接。
Affirm splits fares two ways: Pay in 4 every 2 weeks at 0% APR, or monthly financing that runs 0-36% APR in the US and 0-31.99% APR in Canada. Coverage sits at four markets, US, Canada, UK and Australia, with the UK offered financing only. A down payment may be required, and every longer plan depends on a creditworthiness check.
4 项标准，我们结账时的每个提供商都按相同方式评分。
Repayment Flexibility8/10
Pay in 4 (four payments every 2 weeks) sits alongside monthly financing running to 12 payments in the US sample, covering short and multi-month terms. Both cluster around instalments and financing, with no long-term deferred option, and UK travellers only see the financing plan.
Interest Rate8/10
Pay in 4 runs at 0% APR with no substitute fee disclosed. Monthly payments carry 0-36% APR in the US and 0-31.99% APR in Canada, and Affirm states not all customers qualify for the 0% rate, so the cost splits sharply by plan chosen.
Eligibility7/10
Affirm operates in four markets: US, Canada, UK and Australia. US and Canada get both Pay in 4 and financing, Australia gets both too, but the UK sees financing only, so one of four markets loses the interest-free short plan entirely.
Approval Process7/10
Financing in every listed market runs on a creditworthiness check, and Affirm's own note says a down payment may be required for Pay in 4. Canada's financing rate is also capped by provincial limits, adding a layer the traveller cannot see until checkout.
This table prices one fare across Affirm's plans for a US booking, since that market carries the fullest published detail. The fare itself does not change. Laters.com adds no booking fee or surcharge for choosing to pay this way.
| 方案 | 今日应付 | 然后 | 您总共支付 | 信用成本 |
|---|---|---|---|---|
| 分4期付款0% APR | 未说明 | 未说明 | $1,000.00 | 无 |
| 月付0-36% APR (US); 0-31.99% APR (Canada) | 未说明 | 未说明 | 批准时设定 | 批准时设定 |
| Pay in Full非信用产品 | $1,000.00 | 无需再付款 | $1,000.00 | 无 |
Treat the table as an illustration, not a quote. What you are offered depends on your market and on Affirm's own approval decision at checkout. Every provider on Laters.com is costed on these same rows, so you can compare like for like.
If you searched for airlines that accept Affirm, here is the settled answer: every airline on Laters.com can be paid for with Affirm, right here. That holds on any route and any fare class, from short-haul low-cost tickets to long-haul business class, subject to Affirm's own limits and an eligibility check. Which Affirm plan you are offered depends on the country you book from, not on the airline you fly, so check the country section below for what Affirm publishes where you are. On a full-service carrier, the checked bag, seat selection, meals and frequent-flyer earning are exactly as the airline sells them. On a low-cost airline, those extras get added at checkout, with Affirm splitting the basket total either way. Paying with Affirm does not change the fare, the baggage allowance or the miles earned. You fly as the airline's own passenger and simply split the cost.
Affirm and Visa both sit at the Laters.com checkout, so this isn't a case of hunting down a second app. You're choosing between two ways to pay for the same ticket, right here. Affirm publishes up to four plan types, from a pay-in-4 split every two weeks to longer monthly financing, with strongest coverage across the US, Canada, the UK and Australia. If Affirm isn't available where you are, these are the other providers that can spread the cost of your flight.
Klarna splits a fare into scheduled payments or lets you defer it, though some plans carry interest and a credit check may run before approval.
Coverage varies by market. Check Klarna's site for your country.
Afterpay is built around splitting a purchase into four payments, with approval and eligibility checks applied at checkout and fees possible if a payment is missed.
Coverage varies by market. Check Afterpay's site for your country.
Zip lets you spread a flight's cost over several instalments, subject to an approval and eligibility check, and late fees can apply if a payment slips.
Coverage varies by market. Check Zip's site for your country.
Sezzle divides the fare into four scheduled payments, with an eligibility check at signup and fees possible on a missed instalment.
Coverage varies by market. Check Sezzle's site for your country.
Splitit uses your existing credit card to break a fare into instalments, so approval depends on the card's available credit rather than a separate loan application.
Coverage varies by market. Check Splitit's site for your country.
PayPal offers its own pay-later and instalment options at checkout, with a credit check involved and interest possible depending on the plan chosen.
Coverage varies by market. Check PayPal's site for your country.
关于在 Laters.com 上使用 Affirm 支付航班费用，您需要了解的一切。
Yes. Laters.com lets you check out with Affirm and choose from Pay in 4, which splits the fare into four interest-free payments every two weeks, or monthly financing that can run longer for pricier trips. A down payment may be required on Pay in 4, and financing carries an APR based on a credit check. Confirm which plans you're offered at checkout, since eligibility varies by traveller.
Every airline sold on Laters.com can be booked with Affirm. That's because Affirm sits at our checkout as a payment method rather than something individual airlines switch on or off, so the carrier you pick doesn't limit your payment choice. What does vary is which Affirm plan you're offered, since that depends on your basket and a credit check. Compare fares first, then choose Affirm at payment.
No. Laters.com doesn't add a surcharge or booking fee for paying with Affirm, so the fare shown is the same one you'd pay by card. That said, Affirm itself isn't free for every plan: Pay in 4 is interest-free, but the monthly financing plan carries an APR of 0-36% in the US depending on creditworthiness, and missing a payment can bring a late fee. Read the terms for your chosen plan before confirming.
Your e-ticket is issued once Affirm approves your payment plan and the booking is confirmed on Laters.com. Approval for Pay in 4 or monthly financing typically comes back during checkout, though it isn't guaranteed for every applicant. Once approved, the airline booking is processed the same way as any other payment method. If approval is delayed or declined, you'll be prompted to choose another payment option.
It depends on the plan. Affirm's monthly financing option requires an eligibility check that considers your creditworthiness, and your APR is set based on that check, so it isn't guaranteed everyone qualifies for the lowest rate or approval at all. Pay in 4 also involves an eligibility review even though it's interest-free. A credit check can leave a record with credit bureaus, so only apply if you're comfortable with that.
Missing a payment can trigger a late fee and put your account into arrears with Affirm. Affirm may report missed payments to credit reference agencies, which can affect your credit standing and make future borrowing harder. This applies whether you're on Pay in 4 or the monthly financing plan, so it's worth setting reminders or autopay. If you're struggling to keep up, contact Affirm directly to discuss your options before a payment is missed.
Affirm is available for flight bookings on Laters.com from the US, Canada, the UK, and Australia. The plans on offer differ by market: the US and Canada both get Pay in 4 and monthly financing, Australia also gets both, but the UK currently offers financing only, with no Pay in 4 option. Always check what's shown at checkout for your country, since availability can change.
Monthly financing tends to suit a costly long-haul fare better than Pay in 4, since it spreads payments over several months instead of a few weeks. In the US, a sample structure is 12 monthly payments at a stated APR, with actual rates ranging 0-36% depending on your credit profile and eligibility check. Not everyone qualifies for the lowest rate, so review the specific terms and total cost shown before you commit.
It can. Affirm's monthly financing plan involves an eligibility check that may be recorded with credit bureaus, and how you manage repayments, especially any missed or late ones, can affect your credit standing going forward. Pay in 4 also involves an eligibility review, though its interest-free structure differs from financing. Keeping payments on schedule is the simplest way to avoid any negative impact.
A refund from the airline is applied toward your outstanding Affirm balance rather than paid to you directly while payments are still owed. If the refund exceeds what's left on your plan, Affirm returns the difference, and if payments were already completed, the refunded amount comes back to you. Processing refunds through a financed booking can take longer than a standard card refund, so check the airline's refund policy and Affirm's account terms for specifics.
Yes. Affirm applies to the total fare you're charged, not to the route or number of stops, so a multi-stop or international itinerary is treated the same as a simple one-way trip. What actually decides which plans you see, Pay in 4, monthly financing, or both, is the country you're booking from, not where you're flying to. Check Laters.com at checkout to see which plans apply to your specific booking.
You can typically apply for Affirm at checkout on Laters.com without having used it before, since the application and eligibility check happen in real time as part of the payment step. Approval isn't guaranteed and depends on the credit check tied to whichever plan you select. If you're approved, an account is created for you to track and manage repayments going forward. For full details on signing up, see how Affirm works.
Affirm's plans listed for flights on Laters.com are Pay in 4, which is interest-free at 0% APR, and monthly financing, which carries an APR of 0-36% in the US based on creditworthiness. There's no separate 30-day deferral plan listed among Affirm's flight options here. Pay in 4 may still require a down payment, and a missed payment on either plan can bring a late fee, so interest-free isn't the same as cost-free if you fall behind.
Generally, yes, since Affirm is a payment method applied at checkout on Laters.com and doesn't change how the airline records your booking or fare class. Miles, tier points, and status benefits are typically tied to the ticket and fare type rather than how it was paid for. Airline loyalty terms vary, though, so it's worth checking your specific program's rules if points accrual matters to you.
Affirm's role at checkout is to run its own eligibility check and manage your repayment plan, rather than store your card details the way a stored-card wallet would. Your booking and fare information is processed through Laters.com's standard checkout, and any credit assessment happens directly through Affirm's systems. For specifics on how your data and repayments are handled, check current details at affirm.com.
Affirm is a US-based buy now, pay later lender that lets shoppers split purchases, including flights, into scheduled payments instead of paying the fare in one go. It has grown well beyond a checkout button into a broader financial app covering budgeting and card products, and travel, flights among them, is now one of the categories customers use it for most. Affirm doesn't publish a fixed count of the airlines it works with, so think of it as covering every airline we sell rather than a fixed list, and it's worth checking current coverage on Affirm's own site before you rely on it.
Affirm was founded in San Francisco in 2012 by Max Levchin, a PayPal co-founder, alongside Nathan Gettings and Jeffrey Kaditz. It operates as a licensed lender in the US, partly through partner banks, and in the UK through Affirm U.K. Limited, which is authorised and regulated by the Financial Conduct Authority. The company is publicly traded on Nasdaq, and like most lenders its share price and loan performance have swung with the wider credit cycle, including periods of investor scrutiny over its underwriting as it scaled. Only take on a payment plan for a flight if you're confident you can meet every instalment on time.
Booking a flight with Affirm on Laters.com starts the way any search does: find your route and dates, compare fares, and pick the flight you want. At checkout, select Affirm as your payment method and choose from the plans on offer, which may include Pay in 4 or a longer monthly financing plan. Pay in 4 is interest-free, though a down payment may be required, while monthly financing plans carry an APR based on a credit check and your eligibility. Once Affirm approves your plan, your e-ticket is issued.
Laters.com is the merchant of record for your booking and issues the ticket. Affirm is the payment method and the lender behind your instalments, not the seller of the flight. You don't need a credit card to book this way: Affirm settles the fare with the airline on your behalf, and your repayments go to Affirm on the schedule you agreed, not to Laters.com. There's no payment surcharge or booking fee for choosing Affirm, so the fare you see is the same one you'd pay by card. For more on how the plans and checks work, Affirm sets out the details of how Affirm works.
Laters.com 作为商家从票价中获利，无论您选择哪种支付方式都相同；没有支付提供商为在此页面上的位置付费。
机票预订和还款计划按不同的时间表进行。我们的指南说明了在分期支付票价前需要考虑的实际问题。
负责任地借款意味着仅承诺您能真正承担的分期付款。逾期付款可能导致滞纳金，可能被报告给信用参考机构，并可能影响您的信用状况和未来的借款能力。 访问 Affirm 的条款了解当前条款、资格标准和特定国家的计划可用性。 Laters.com 是 Fly Fairly 的新名称；您的预订或支持服务没有任何变化。 最后由 Laters.com 编辑团队于 2026年9月 审查。
Affirm航班优惠、先买后付促销和闪购优惠，直接送到您的收件箱。
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