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」/先買後付選項；確切費用未確認。
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. 常見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；利率未確認。
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. 較長期融資期限；利率未確認。
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亦提供較長期限（例如最長24個月）的融資選項，需支付利息；確切條款未確認。
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.
僅供參考。 上述數字根據您設定的機票價格計算：無利息計劃採用簡單除法，月度融資計劃採用該計劃在其規定期限內的說明性利率。這些數字並非報價、估價或您將獲得的預測。Laters.com 不是貸款人，不參與決定過程：出現哪些計劃、分期金額、任何利息和費用，以及您是否符合資格，均由供應商單獨決定，並取決於信用或資格評估、您所在國家和您的購物籃。查看您真實計劃的唯一方式是在結帳時選擇此付款方式，屆時供應商（而非 Laters.com）將批准或拒絕購買。所有計劃、利率、費用和條款僅為估計值，須經批核且可能變更。
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 個市場的分期方案。 本指南列出 2 個市場的延後付款。 本指南列出 2 個市場的分期融資。
Kredivo是印尼持牌信貸提供商；分期期限需支付利息及費用。
Kredivo 為 印尼（ID）發佈的計劃，已驗證 。
Kredivo在越南營運；條款及利息按當地法規適用。
Kredivo 為 越南（VN）發佈的計劃，已驗證 。
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.
| 您獲得的內容 | Laters.com | 直接向航空公司預訂 |
|---|---|---|
| Kredivo 內置於所有 650+ 航空公司的結帳流程 | ✓ | 非常少 |
| 相同的 Kredivo 計劃，無論您乘坐哪間航空公司 | ✓ | ✕ |
| 比較每間航空公司，一次搜尋，然後用 Kredivo 付款 | ✓ | ✕ |
| 其他「先買後付」供應商、穩定幣及 100+ 種付款方式，均可在同一結帳頁面使用 | ✓ | ✕ |
| 使用 Kredivo 付款無手續費，無預訂費 | ✓ | 因情況而異 |
我們的編輯評分（滿分10分），評估「先買後付」供應商在您預訂航班時的實際運作效能。
我們結帳時的每個供應商都按相同的 4 項標準評分，因此您可以在選擇付款方式前進行公平比較。 查看所有先飛後付供應商評分 →
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. 最後審查於 2026年9月。
Laters.com 是此頁面上每筆預訂的商戶：我們銷售機票並從票價中獲利，無論您選擇哪種付款方式都相同。沒有付款供應商為我們的位置、排名或付款評分付費，此頁面不包含任何聯盟連結。
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 項標準，我們結帳時的每個供應商都按相同方式評分。
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 | 今日應付 | 然後 | 你總共支付 | 信用成本 |
|---|---|---|---|---|
| 30天內付款 | 無 | $1,000.00 30天內到期 | $1,000.00 | 無 |
| 分3期付款 | 未說明 | 未說明 | $1,000.00 | 無 |
| 分6期付款 | 未說明 | 未說明 | $1,000.00 | 無 |
| 分12期付款 | 未說明 | 未說明 | $1,000.00 | 無 |
| 按月付款 | 未說明 | 未說明 | $1,000.00 | 無 |
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.
關於在 Laters.com 上用 Kredivo 支付航班費用的所有資訊。
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 作為商戶從票價中獲利，無論您選擇哪種付款方式都相同；沒有付款供應商為在此頁面上的位置付費。
機票預訂與還款計劃按不同的時間表進行。我們的指南說明了在分期支付機票費用前需要考慮的實際問題。
負責任地借款意味著只承諾您能真正負擔的分期付款。逾期付款可能導致滯納金，可能被報告給信用參考機構，並可能影響您的信用評級和未來的借貸能力。 請造訪 Kredivo 的條款以了解最新條款、資格條件和國家特定計劃可用性。 Laters.com 是 Fly Fairly 的新名稱；您的預訂或支援服務不會有任何改變。 最後由 Laters.com 編輯團隊於 2026年9月 審查。
Kredivo 機票優惠、先買後付優惠及限時搶購，直送您的收件箱。
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