Search flights on Laters.com, then split the fare with a Kredivo plan at checkout, credit check required.
Yes, you can use Kredivo to book flights and buy plane tickets for any airline, on any route, in any fare class. Kredivo works as a payment method built into our checkout, so you are not limited to carriers that list Kredivo on their own site. There is no extra payment surcharge or booking fee for choosing it. Select Kredivo when you pay and the booking proceeds like any other on Laters.com.
None of Garuda Indonesia, Lion Air, or AirAsia offer Kredivo directly at their own checkout across Indonesia and wider Southeast Asia, and neither do Vietnam Airlines, Bamboo Airways, or Vietjet in Vietnam. Book any of them through Laters.com instead, and Kredivo becomes available regardless of what the airline itself supports. At checkout, you pick Kredivo, choose a plan that fits your budget, and the e-ticket is issued once payment is confirmed.
Kredivo's plan families run from a single deferred payment due in 30 days to monthly instalments stretching toward longer financing tenors, available in Indonesia and Vietnam. That range covers a long-haul business seat and a short domestic hop alike, though every plan is subject to approval, a credit check applies, and you must be 18 or older to apply. Some tenors are interest-free while longer ones carry interest, so check the terms before you commit.
Kredivo splits a fare a few different ways. The cards below show this provider's plan shapes, priced in your selected currency, so set a flight budget first and then compare what each plan asks of you: the amount due today, the payments that follow, and the total repayment. At checkout you'll see the real offer for your booking. A credit check applies, and some plans carry interest.
$500
Pay in 30 days defers the whole fare to a single payment a month later, and no credit is involved beyond that short deferral. You get the ticket now and one bill later, but the exact terms of that deferral aren't fully confirmed, so check them at checkout. Kredivo '30天'延期付款选项；确切费用未确认。
Pay in 3 spreads the fare over three monthly instalments and is interest-free when you pay on time. Miss a payment and a late fee may apply, and a credit check applies before you're approved. 常见的短期月度分期期限。
Pay in 6 stretches the fare across six monthly instalments, with interest that depends on the offer Kredivo sets after its check. Whether it costs you extra comes down to that rate, so read the terms before confirming. 分期期限；利率未确认。
Pay in 12 is a longer financing tenor, and it typically carries interest rather than running interest-free. A credit check applies, and the rate you're offered is set by Kredivo, not shown here as a fixed figure. 较长期融资期限；利率未确认。
Pay Monthly covers Kredivo's longer tenors for travellers who want smaller payments spread further out, and it carries interest. A credit check applies, and there is an upper limit on the fare you can split, so it suits a bigger booking only within that ceiling. Kredivo还提供更长期限（例如最长24个月）的融资选项，需支付利息；确切条款未确认。
Plan names and terms can differ between Indonesia and Vietnam. Check the country grid below for what applies in your market. Kredivo issues the e-ticket in full at booking, and repayments go directly to Kredivo on the schedule you agree to.
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。
Kredivo's flight booking coverage centres on Southeast Asia, with Indonesia and Vietnam among the markets travellers ask about most. That is a glimpse, not the whole list, so check the grid below for your own country. Kredivo publishes a mix of plan products: instalment plans that split the fare into a fixed number of payments, a deferral that pushes the full balance to a single later date, and financing that spreads the cost over a longer run of monthly payments. Open your country in the grid for the exact product names, schedules and costs Kredivo lists there. This guide reflects what Kredivo publishes per market. It does not confirm which of those products Laters.com can actually offer on a given booking, which your checkout decides at the time you book. 本指南列出 2 个市场的分期方案。 本指南列出 2 个市场的延后付款。 本指南列出 2 个市场的分期融资。
Kredivo是印度尼西亚的持证信贷提供商；分期付款期限需支付利息和费用。
Kredivo 为 印度尼西亚（ID）发布的计划，已验证 。
Kredivo在越南运营；条款和利息按当地法规适用。
Kredivo 为 越南（VN）发布的计划，已验证 。
Across the region Kredivo lists a short-term "Pay in 3" instalment plan, and it also publishes a "30 Day" deferral in Indonesia and Vietnam, the two markets shown here. Where a plan is not published for a market, it simply is not offered there yet. Instalment plans like Pay in 3 take a payment at purchase and further payments at fixed intervals afterward, interest-free when paid on time, though approval is not guaranteed and Kredivo's longer monthly plans do carry interest. Limits and rates differ by country and are shown by Kredivo at checkout.
Here you compare flights across every airline we sell, then choose a Kredivo plan at the Laters.com checkout, the merchant Kredivo lists for exactly this. The flight comes first, the payment second, and any instalments left after booking continue on the schedule you agreed to.
The rows below are about checkout, but the booking itself sits with us. Laters.com is the merchant for your ticket, so we handle the booking, any change to it and any refund, whichever airline flies you and whichever Kredivo plan gets approved. That plan may carry interest or fees on longer tenors, and approval isn't guaranteed.
| 您获得的内容 | Laters.com | 直接向航空公司预订 |
|---|---|---|
| Kredivo 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 Kredivo 分期计划 | ✓ | ✕ |
| 在一次搜索中比较每家航空公司，然后使用 Kredivo 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 Kredivo 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 is scored out of 10 against Kredivo's published plan terms, published rates and eligibility criteria for flight bookings. The headline is the unweighted average of the four scores, rounded to one decimal. No brand pays to be rated. 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。
Kredivo splits fares five ways: a 0% Pay in 30 days deferral, Pay in 3, Pay in 6 and Pay in 12 instalments, and a longer Pay Monthly financing tenor. Both markets it serves, Indonesia and Vietnam, carry the full lineup. It is a licensed credit provider in Indonesia, and interest applies on instalment tenors there.
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
Five shapes span a deferred Pay in 30 days plus Pay in 3, Pay in 6, Pay in 12 and longer Pay Monthly financing. Genuine range, but tenor mechanics beyond 30 days are not confirmed, so it stops short of 9.
Interest Rate7/10
Pay in 30 days carries 0%, disclosed plainly. Pay in 3, 6, 12 and the Pay Monthly financing tenor are instalment or financing plans where rates are not confirmed, which caps this below 8.
Eligibility7/10
Kredivo operates in only 2 markets, Indonesia and Vietnam, but both see the identical five-plan lineup. Reach outside Southeast Asia is the gap holding this at the floor.
Approval Process7/10
Kredivo is a licensed credit provider in Indonesia with interest and fees on instalment tenors, which points to a credit check rather than a checkout-only decision. No hard-check detail is confirmed, so this sits at the floor.
This table prices one fare across Kredivo's plans. The fare itself does not move: Laters.com adds no booking fee or surcharge for choosing to pay this way, whichever plan is offered in the traveller's own country.
| 方案 | 今日应付 | 然后 | 您总共支付 | 信用成本 |
|---|---|---|---|---|
| 30天内支付 | 无 | $1,000.00 30天内到期 | $1,000.00 | 无 |
| 分3期支付 | 未说明 | 未说明 | $1,000.00 | 无 |
| 分6期支付 | 未说明 | 未说明 | $1,000.00 | 无 |
| 分12期支付 | 未说明 | 未说明 | $1,000.00 | 无 |
| 按月支付 | 未说明 | 未说明 | $1,000.00 | 无 |
This worked example is an illustration, not a quote. What Kredivo actually offers depends on the traveller's market and on approval, and every provider on Laters.com is costed on the same rows so the numbers can be compared fairly.
Kredivo and Visa both sit at the Laters.com checkout, so this is a real choice between two ways to pay for the same ticket, not a hunt for one somewhere else. Kredivo publishes up to five plan shapes, from a 30 day deferred payment through to longer monthly financing, and its confirmed reach is Indonesia and Vietnam. Visa is built around instalment options tied to your card issuer, with reach shaped by wherever your bank enables it rather than by country. If Kredivo isn't available where you are, these are the other providers that can spread the cost of your flight, compare Visa for flights on Laters.com.
Splits the fare through instalment plans your card issuer sets up, so approval and any interest depend on your bank's terms rather than a single fixed plan. A credit check through your card provider typically applies.
Coverage depends on your card issuer rather than a fixed country list.
Splits the fare into smaller instalments, with approval decided at checkout and a credit check that can apply depending on the plan. Missing a payment can bring fees, so it pays to track the schedule.
Coverage varies by market, so check current availability before booking.
Breaks the ticket price into four smaller payments, subject to approval and account eligibility rather than a guaranteed line of credit. Late payments can carry fees.
Best known in the United States, Canada, and Australia, though check current coverage before you book.
Splits the fare into three payments, with approval and any fees dependent on the account and plan selected at checkout. A credit check may apply depending on the market.
Strongest presence across Southeast Asia, matching Kredivo's own home turf.
Offers a running line of credit you draw on to pay for the fare over time, which means approval, a credit check, and possible interest all apply. Missed payments can trigger fees.
Coverage varies by market, so confirm availability before you book.
Splits the fare into four payments, with approval decided per booking and a credit check that can factor into that decision. Fees may follow a missed instalment.
Coverage varies by market, so confirm current availability before booking.
关于在 Laters.com 上使用 Kredivo 支付航班费用，您需要了解的一切。
Yes. Laters.com lets you check out with Kredivo and choose from plans such as Pay in 30 days, Pay in 3, Pay in 6, Pay in 12, or the longer Pay Monthly financing option. Which plans you actually see depends on the country you are booking from, since Indonesia and Vietnam are the two confirmed markets. Approval is not guaranteed, and instalment tenors can carry interest, so check terms at kredivo.com before you commit.
All of them on Laters.com. Kredivo sits at our checkout as a payment method rather than something individual airlines switch on, so every airline fare we sell can be split this way. You choose your flight first, then pick Kredivo and a plan at payment. Some instalment tenors carry interest and a credit check applies, so review the plan details before confirming.
No. Laters.com does not add a payment surcharge or booking fee for using Kredivo, so the fare shown is the same one you would pay by card. That said, Kredivo is a credit product: the Pay in 30 days option is designed as a short deferral, while longer tenors like Pay in 12 or the Pay Monthly financing plan can carry interest and late fees if a payment is missed. Confirm current fee terms at kredivo.com.
Your e-ticket is issued once Kredivo approves your payment at checkout, the same as with any other payment method on Laters.com. The airline processes the booking as soon as that approval clears, regardless of whether you chose Pay in 30 days or a longer monthly plan. If approval takes longer for any reason, your ticket will not issue until it comes through. Keep an eye on your email and Kredivo account for confirmation.
Yes, a credit check applies when you apply to use Kredivo, and approval is never guaranteed. This is a genuine credit product, not a fee-free perk, and the type of check and eligibility criteria are set by Kredivo rather than by Laters.com. Longer tenors such as Pay in 12 and the Pay Monthly financing option are more likely to involve stricter checks given the extended repayment period. Confirm exact requirements at kredivo.com before booking.
Missing a payment can trigger late fees, and Kredivo may report the missed payment to credit reference agencies. This can affect your credit standing beyond just the booking itself, particularly on longer tenors like Pay in 6, Pay in 12, or the Pay Monthly financing plan where more instalments are outstanding. Interest may also continue accruing on interest-bearing plans while a payment is overdue. If you think you will miss a due date, contact Kredivo directly through kredivo.com as soon as possible.
Kredivo is confirmed for travellers booking from Indonesia and Vietnam on Laters.com. In both markets you can access the full plan range: Pay in 30 days, Pay in 3, Pay in 6, Pay in 12, and the longer Pay Monthly financing option, though interest and fees apply per local regulation in each country. Availability outside these two markets is not confirmed. If you are booking from elsewhere, check kredivo.com to see whether your country has been added.
The Pay in 12 plan or the longer Pay Monthly financing option, which Kredivo has structured with tenors up to 24 months, are built for spreading a bigger fare over more months. These longer tenors reduce the size of each instalment on a costly long-haul ticket compared with Pay in 3 or Pay in 6. They can carry interest over that extended period, and a credit check applies before approval. Confirm the specific rate and terms for your basket size at kredivo.com.
It can. Kredivo runs a credit check when you apply, and how that check and your repayment behaviour are reported depends on Kredivo's own policies in Indonesia or Vietnam. Paying on time across plans like Pay in 3 or Pay in 30 days is unlikely to cause problems, but a missed payment may be reported to credit reference agencies and can affect your standing. Check kredivo.com for details on how Kredivo reports activity in your market.
When an airline processes a refund on a flight booked through Laters.com, the refunded amount is applied back against your outstanding Kredivo balance rather than paid to you directly while instalments remain open. If the refund covers the full fare, remaining instalments on plans like Pay in 3 or Pay in 12 should be reduced or cleared accordingly. Timing depends on how quickly the airline processes the refund and how Kredivo applies it to your account. Contact Kredivo through kredivo.com if a refund does not appear against your balance as expected.
Yes. Kredivo's plans apply to the total fare you are charged rather than to the specific route or number of stops, so a multi-stop or international itinerary is treated the same as a single-leg domestic flight. What determines which plans you see is the country you are booking from on Laters.com, currently Indonesia or Vietnam, not the destinations in your itinerary. Longer tenors like Pay in 12 may suit a pricier multi-city fare better than a short Pay in 3 term. Check kredivo.com for current tenor options.
Pay in 30 days is structured as a single deferred payment rather than an instalment plan, and Kredivo's own notes describe it as a 0 percent option, though exact fee terms are not fully confirmed. The catch is that this is still credit: a credit check applies to get approved, and missing the 30-day due date can trigger late fees and be reported to credit reference agencies. It is not the same as a discount, it simply delays when you pay. Confirm current terms directly at kredivo.com.
Most travellers using Kredivo at checkout will need to apply for or hold a Kredivo account, since it is a credit product that requires approval rather than a generic card. You can typically start the application during checkout on Laters.com if you are not already registered. Approval involves a credit check and is not guaranteed, and eligibility rules differ between Indonesia and Vietnam. Visit kredivo.com to see the application steps for your country.
Airline loyalty accrual is set by the airline's own frequent flyer program, not by the payment method you choose at checkout. Booking through Laters.com and paying with a Kredivo plan such as Pay in 3 or Pay in 12 does not change how many miles or tier points the airline credits to your account. What can differ is that some airline fare classes exclude certain earning rates regardless of payment method. Check the fare rules on your specific booking for confirmation.
Changing or cancelling a flight booked through Laters.com follows the airline's own fare rules, the same as any other payment method. If a change fee or fare difference applies, it is charged separately from your existing Kredivo instalment schedule on plans like Pay in 6 or the Pay Monthly financing option. Any refund due is applied against your remaining Kredivo balance rather than paid out directly while instalments are still open. Contact Kredivo via kredivo.com if your repayment schedule needs adjusting after a change.
Kredivo is a digital credit provider built around one idea: let people in Southeast Asia buy now and pay for it in pieces, flights included. It began as a way to finance online shopping and has since grown into a broader consumer lending platform, with travel, including flights booked through partners like Laters.com, now a regular part of what it finances.
The company traces back to Kudo, a payments and financial services business founded in Jakarta, which was later rebranded to Kredivo as it shifted focus to consumer credit. It now operates as a licensed lender in Indonesia and has extended into Vietnam, though the group's ownership structure and any wider corporate listing are matters best checked on its own site rather than assumed here. Its path hasn't been a straight climb: expanding into new Southeast Asian markets has meant pulling back from others along the way, a normal part of a lender finding its footing across borders. For current licensing detail and country coverage, Kredivo's own site is the source to check. Whatever plan you choose, borrow only what you're confident you can repay on schedule.
Booking with Kredivo on Laters.com works the way most flight searches do, until checkout. Search your route, pick your fare, and select Kredivo as the payment method. You'll be shown plan options that can include Pay in 30 days, Pay in 3, Pay in 6, Pay in 12, or longer monthly financing, and the e-ticket is issued once your payment is approved. The 30-day plan is typically interest-free if paid on time, while the monthly instalment and financing plans are interest-bearing and subject to a credit check and approval, so read the terms shown at checkout before you confirm.
Laters.com is the merchant on this booking and issues your ticket. Kredivo is the payment method and the credit provider, not the seller of the flight. There's no payment surcharge or booking fee for choosing Kredivo, so the fare shown is the same one you'd pay by card. You don't need a credit card to book this way: Kredivo settles the fare with the airline on your behalf, and your repayments go to Kredivo, not to Laters.com.
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 Kredivo 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。
Kredivo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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