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新加坡旅行社執照TA04059
在 Laters 上搜尋並比較 600+ 家航空公司的票價，然後使用 Atome Card（一款信用產品，可讓您將票價分成每月分期付款）分擔您的機票費用 — 需經批准且受適用條款約束。
Atome Card 適用於 Laters 上的每一班航班 — 每家航空公司、每條航線、每個票價等級。在結帳時選擇 Atome Card，付款獲批後您的電子機票即會簽發。適用於新加坡、馬來西亞、印尼、菲律賓、香港、泰國和越南。這是一款信用產品，因此批准不保證。
Plenty of major carriers don't offer CredPal Card directly at their own checkout, which is exactly why booking through Laters.com matters. Airlines flying out of Nigeria and across West Africa, along with the international carriers that serve Lagos and Abuja, generally won't let you split a fare with CredPal Card on their own site. Book through Laters.com instead, and CredPal Card becomes a payment method built into our checkout: you select it, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Choose the short interest-free window if you can clear the fare within thirty days, or spread it across the longer monthly plan if you need more breathing room, both subject to approval and available only to travellers aged 18 and over. The range runs from a long-haul business-class seat to a short domestic hop, and either can be split the same way. Availability varies by market, so it's worth checking eligibility on CredPal's own site before you fly.
Atome Card 發佈的數據，已根據 Atome Card 的國家條款進行 驗證。
Atome Card 為東南亞和東亞的旅客而設，涵蓋該地區的多個市場。請查看下方網格以確認您預訂所在地支持哪些付款計劃和當地貨幣。 7 個市場提供免息分期付款。 7 個市場提供更長期的月付融資。
Atome Card 為 新加坡（SG）發佈的方案，已驗證 。
Atome Card 為 馬來西亞（MY）發佈的方案，已驗證 。
Atome Card 為 印尼（ID）發佈的方案，已驗證 。
Atome Card 為 菲律賓（PH）發佈的方案，已驗證 。
Atome Card 為 中國香港特別行政區（HK）發佈的方案，已驗證 。
Atome Card 為 泰國（TH）發佈的方案，已驗證 。
Atome Card 為 越南（VN）發佈的方案，已驗證 。
The three-instalment plan goes by Pay in 3 across every market shown here, Singapore and Malaysia included, with no separate label for longer or extended plans in this set. It works by taking a payment at purchase and further payments at fixed monthly intervals after it, and it's interest-free when every instalment lands on time, though approval isn't guaranteed and a credit check applies. Alongside it sits a longer, pay-monthly option described as carrying minimal fees rather than none. Exact limits, tenures and any charges differ by country and are shown by Atome Card at checkout, so it's worth reading those terms before you book.
如果 Atome Card 在您的國家不可用或不符合您的需求，Laters.com 會列出一系列其他 BNPL 提供商，讓您仍然可以分期支付機票費用。
Zilch is built around a pay-in-4 structure, letting you split a fare into smaller payments rather than covering it in one go. Approval isn't guaranteed and a credit check typically applies before you're approved to use it.
Coverage varies by market; check Zilch's site for your country.
Klarna offers a short-term split-pay option alongside longer monthly financing for bigger fares. Some Klarna plans carry interest and a credit check may run before your flight is approved for a plan.
Widely available across Europe and North America; confirm your country on Klarna's site.
Afterpay splits your fare into four payments, with the first typically due at checkout. Missed payments can trigger fees, and approval depends on Afterpay's own checks.
Strongest coverage in the United States, Canada, and Australia.
Affirm leans toward longer repayment terms rather than a quick four-way split, which suits pricier itineraries. Interest may apply depending on the term you're offered, and a credit check is part of getting approved.
Primarily available in the United States and Canada.
Tabby offers a pay-in-4 plan for travellers who want to break up the cost of a ticket over a short stretch. A credit check may be part of the approval process, and fees can follow a missed payment.
Focused on the Middle East, with strong presence in Gulf markets.
Scalapay splits fares into a handful of payments or longer monthly instalments depending on the plan you're offered. Approval isn't automatic, and some plans may carry interest or fees on a missed payment.
Concentrated in Italy and other parts of Europe.
Atome Card 讓東南亞及其他地區的旅客可以分期付款或將費用分攤到更長的每月融資計劃中。兩者都是信用產品，需經批准且受適用費用約束。完整計劃詳情（包括任何費用）如下所示。
$500
Pay in 3 splits the fare into three monthly payments and stays interest-free when every payment lands on time. Miss one and a credit check has already applied to get you here, so a late fee may follow depending on your agreement. Atome 旗艦級免息3期分期計畫；首期通常在結帳時到期。
Pay Monthly stretches the fare over a longer run of payments with fees kept to a minimum rather than removed altogether. A credit check applies before Atome Card sets your terms, and any figures shown alongside this plan are illustrative until Atome Card confirms your actual rate. Atome Card / 更長期限的計畫，描述為手續費最少的延長分期；確切期限和費率未確認。
Atome Card's plans run under these names across Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong. Repayments go to Atome Card on the schedule you agree at checkout, and the airline issues your e-ticket once the booking is confirmed, not once the plan is paid off.
僅供參考。 上述數字是根據您設定的機票費用計算：無利息計畫採用簡單除法，月度融資計畫則採用該計畫在其規定期限內的說明性利率。這些不是報價、估價或您將獲得之內容的預測。Laters.com 不是貸款人，不參與決策：出現哪些計畫、分期金額、任何利息和費用，以及您是否符合資格，均由服務商單獨決定，並取決於信用或資格評估、您所在國家和您的購物車。查看您真實計畫的唯一方式是在結帳時選擇此付款方式，此時由服務商（而非 Laters.com）批准或拒絕購買。所有計畫、利率、費用和條款僅為估計值，須經批准且可能變更。
我們的編輯評分（滿分10分），評估先買後付服務商在您預訂航班時的實際運作效果。
我們結帳時的每個提供商都以相同的 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。 查看所有先飛後付提供商評分 →
This score is based on Atome Card's published plan terms, its confirmed market and currency list for flight bookings, and Laters.com's own eligibility review. No brand pays to be rated; unconfirmed figures are flagged rather than estimated. 最後審查於 2026年8月。
Laters.com 是此頁面上每筆預訂的商家：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。沒有任何付款服務商為我們的位置、排名或付款評分付費，此頁面不包含任何聯盟連結。
Atome Card 的「分 3 期付款」計劃將機票費用分成三個月度付款，年利率為 0% — 對於符合條件且按時還款的人來說是真正的成本優勢。「按月付款」選項為更大的票價提供了空間，但需要支付費用，確切條款需要與 Atome 確認。七個地區市場使其對東南亞的常旅客來說很實用。需進行信用檢查；批准不保證。
4 項標準，我們結帳時的每個提供商都以相同方式評分。
Repayment Flexibility7/10
Two shapes on offer: Pay in 3, a fixed 3-instalment split, and Pay Monthly financing for longer terms. Both are confirmed only in general form, with no split count or basket window published for Pay Monthly, which caps this below a top score.
Interest Rate8/10
Pay in 3 carries 0% APR, the plan most travellers will use. Pay Monthly is described only as carrying minimal fees with no rate disclosed, so travellers can't compare its true cost before choosing it.
Eligibility7/10
Seven confirmed markets, Singapore, Malaysia, Indonesia, Philippines, Hong Kong, Thailand and Vietnam, all showing the same two plans. No total market count is supplied and broader reach across Atome's listed countries isn't confirmed for flight bookings.
Approval Process7/10
Facts don't confirm whether Pay in 3 or Pay Monthly relies on a soft or hard credit check at checkout, so the floor score stands until Atome Card's own site confirms the check type for a traveller's market.
This table prices one fare across Atome Card's plans as sold in its confirmed Southeast Asian and East Asian markets. The fare itself doesn't move for paying this way; Laters.com adds no booking fee or surcharge for choosing Atome Card.
| 方案 | 今日應付 | 然後 | 您總共支付 | 信用成本 |
|---|---|---|---|---|
| 分3期付款0% APR | $333.33 | $333.33 每月，2 次 | $1,000.00 | 無 |
| 月付方案 | 無 | $1,000.00 每月 | $1,000.00 | 無 |
This worked example is an illustration, not a quote. What a traveller is actually offered depends on their market and on approval. Every provider Laters.com scores is costed on the same rows, so figures can be compared fairly across brands.
Laters.com 上每家航空公司和每條路線都適用相同的 4 個步驟。
Search fares and pick your flight. Laters.com sells the ticket as your travel agent, and you book at the price shown that day, holding a confirmed booking as the airline's own passenger from the start.
Select CredPal on the payment screen and choose a plan. CredPal decides at checkout, and approval is not guaranteed, so have your details ready before you confirm.
Repay in monthly instalments, or over a longer spread of months if you choose that plan; paying within the short window keeps interest off, but some plans carry interest and a credit check applies. Make repayments directly to CredPal, managed in CredPal's own app or website, not by Laters.com.
Payment gets confirmed. Your e-ticket is then emailed to you. It's tied to your confirmed booking, not to your final payment, so you fly on schedule while the plan runs its course.
Most airlines don't offer CredPal at their own checkout, and the few that do each set their own rules. On Laters.com, CredPal is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
| 您獲得的內容 | Laters.com | 直接向航空公司預訂 |
|---|---|---|
| Atome Card 內建於所有 650+ 家航空公司的結帳流程 | ✓ | 非常少 |
| 無論您搭乘哪家航空公司，都是相同的 Atome Card 分期方案 | ✓ | ✕ |
| 在一次搜尋中比較每家航空公司，然後使用 Atome Card 付款 | ✓ | ✕ |
| Atome Card 官方合作夥伴 | ✓ | ✕ |
| 其他先買後付服務商、穩定幣和 100+ 種其他付款方式可在同一結帳頁面使用 | ✓ | ✕ |
| 使用 Atome Card 付款無手續費，也無預訂費 | ✓ | 浮動 |
Whichever airline operates your flight and whichever CredPal plan gets approved, the booking is with Laters.com, not the carrier. That means one place to go if a date needs changing or a refund is due, with any interest or fees on your plan still owed on schedule either way.
關於在 Laters.com 上使用 Atome Card 支付航班費用的所有資訊。
Yes. Laters.com accepts Atome Card at checkout, and travellers can typically choose between the Pay in 3 plan, which splits the fare into three monthly instalments at 0% interest, or a longer Pay Monthly financing plan with minimal fees for bigger fares. Which plans you see depends on the country you're booking from, and a credit check applies before approval. Confirm the exact terms on Atome Card's website before you book.
All of them on Laters.com. Atome Card sits at checkout as a payment method rather than something individual airlines switch on, so any flight you can book on the platform can be paid for this way. The plan you're offered, such as Pay in 3 or the longer Pay Monthly option, still depends on your basket and the country you're booking from. A credit check applies regardless of the airline you choose.
No. Laters.com adds no payment surcharge and no booking fee when you choose Atome Card, so the fare shown is the same as paying by debit or credit card. The Pay in 3 plan itself carries 0% interest, but the longer Pay Monthly financing plan carries minimal fees, and a late fee applies if you miss a scheduled payment. Always check the repayment schedule at checkout before confirming.
The e-ticket is issued once your Atome Card payment is approved at checkout, not after every instalment clears. That approval includes a credit check, and the remaining instalments (three monthly payments on Pay in 3, or a longer schedule on Pay Monthly) continue after the ticket is in your inbox. Delivery timing can still vary slightly by airline and route, so check your confirmation email on Laters.com for your specific flight.
Yes. Atome Card runs a credit check as part of approving you for either the Pay in 3 plan or the longer Pay Monthly financing option, and approval is never guaranteed even if you've used the card before. This applies whether you're booking a short domestic hop or a long-haul fare. Because this is a credit product and not a discount, treat the check and the repayment schedule as part of the cost of splitting the fare, not a formality.
A missed payment triggers a late fee on your Atome Card plan, whether that's the Pay in 3 schedule or the longer Pay Monthly financing arrangement. Missed payments may also be reported to credit reference agencies, which can affect your credit standing and your ability to get approved for BNPL or other credit in future. If you think you'll miss a due date, contact Atome Card directly before it happens rather than after, since the fare itself was already paid to the airline through Laters.com.
Atome Card is available for flight bookings from Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand and Vietnam on Laters.com, with both the Pay in 3 and Pay Monthly financing plans offered in each of these markets. Availability outside this list is not confirmed, so if you're booking from elsewhere, Laters.com will show you the payment methods that actually apply to your account at checkout. Check atome.sg or your local Atome Card site for the current country list before you plan around it.
The Pay Monthly financing plan is built for larger fares, spreading the cost over a longer instalment schedule with minimal fees rather than the three-payment structure of Pay in 3. It suits long-haul or premium fares where three monthly instalments would each be a large sum. A credit check still applies, and the exact tenure and fee amount for Pay Monthly should be confirmed on Atome Card's website, since they vary and aren't fixed across every basket.
It can. Paying on time on either the Pay in 3 or Pay Monthly plan generally doesn't harm your score, but a missed payment can be reported to credit reference agencies and may lower your credit standing. Atome Card also runs a credit check when you apply for a plan, which is a normal part of using any BNPL product. Treat your instalment dates for a flight booking the same way you'd treat any other credit repayment, and check Atome Card's site for how it reports to agencies in your market.
When an airline refunds a cancelled flight booked through Laters.com, the refund is applied back through Atome Card against your outstanding instalments on that booking, whether you were on Pay in 3 or Pay Monthly financing. If you'd already paid instalments before the cancellation, those amounts are typically refunded back to you or offset against what's still owed. Processing times depend on the airline's refund policy and Atome Card's own timeline, so check both Laters.com and Atome Card's site for how a specific refund will be handled.
Yes. Atome Card's plans, Pay in 3 and Pay Monthly financing, apply to the total fare you're charged rather than to the route or number of stops, so an international or multi-stop itinerary is treated the same as a single-leg domestic flight. What decides which plans you see is the country you're booking from on Laters.com, such as Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand or Vietnam, not where the flight actually flies to. A credit check applies at checkout either way.
Not entirely free of risk, even though the Pay in 3 plan is genuinely 0% interest on time. The catch is what happens if you don't pay on time: a late fee applies, and missed payments may be reported to credit reference agencies, which can affect your credit standing. The longer Pay Monthly financing plan is different again, carrying minimal fees rather than being interest-free. Read the schedule Atome Card shows you at checkout before confirming either plan.
Generally, yes, because Atome Card is a payment method 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 set by the airline's own program rules, not by how you paid, whether that's the Pay in 3 plan or Pay Monthly financing. It's still worth double-checking the fare type on your booking, since some promotional or heavily discounted fares can carry reduced mileage earning regardless of payment method.
Yes, Atome Card can be used on premium cabin and business class fares booked through Laters.com, with the higher fare typically suited to the longer Pay Monthly financing plan rather than the three-payment Pay in 3 structure. A credit check applies to both plans, and approval for a larger basket is not guaranteed. Confirm current basket limits and terms for premium fares directly on Atome Card's website before booking.
Yes. Laters.com prices the fare the same whether you pay by card or through Atome Card, so a sale fare or promotional price you see on the listing carries through to checkout with either the Pay in 3 plan or Pay Monthly financing. Atome Card doesn't add a surcharge that would offset the discount. The credit check and repayment schedule still apply to whatever the final discounted fare comes to.
Real reviews from real customers who booked flights with Laters.com, sharing what their trips were like from search to landing.
Atome Card 是為東南亞和東亞購物者設計的先買後付信用產品——新加坡、馬來西亞、印尼、菲律賓、香港、泰國、越南及其他地區。它已成為該地區較知名的 BNPL 名稱之一，但用戶數量和商家覆蓋範圍最好直接在 Atome 網站上查詢。
在 Laters 上，使用 Atome Card 預訂機票是一種信用安排：在結帳時選擇 Atome Card，您的票價將分成月度分期。旗艦版分 3 期計劃將費用分成三筆免息付款，第一筆通常在結帳時到期。對於需要更多喘息空間的旅客，存在更長期限的月度付款選項，但確切的期限、費用和利率因市場而異——在您承諾之前，請在 Atome 網站上確認詳細資訊。
由於這些是信用產品，批准不保證，可能需進行信用檢查。借款超過您能舒適償還的金額可能導致財務困難。在預訂前，請在 Atome 網站上查閱完整條款。
Booking works the same way you'd expect from any flight search: find your route on Laters.com, choose CredPal at checkout, and pick a plan. CredPal's terms describe repayment within 30 days at no interest, or spreading the cost over two to six months, and the e-ticket is issued once your payment is approved. Longer plans and some repayment paths may carry interest or fees and are subject to a credit check, so it's worth reading what you're signing up for before you confirm.
Laters.com is the merchant on this booking and the one that issues your ticket. CredPal is the payment method and the credit provider, not the seller of the flight, so your contract for the flight itself sits with Laters.com while your repayment obligation sits with CredPal. There's no payment surcharge and no booking fee for choosing this route, so the fare you see is the same fare you'd pay by card. You don't need a credit card to book this way: CredPal settles the fare with the airline on your behalf, and you repay CredPal directly, not Laters.com, according to the schedule you agreed to at checkout.
Laters.com 作為商家從票價中獲利，無論您選擇哪種付款方式都相同；沒有任何付款服務商為在此頁面上的位置付費。
在任何航空公司結帳時，Atome Card 按鈕背後有四個問題。我們的完整指南會回答這些問題。
監管摘要為一般性資訊，會隨時間變化；不構成法律建議，請向相關監管機構或合格顧問確認目前的要求。
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分和未來的借款能力。 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8月 審查。
Atome Card 航班優惠、先買後付推廣活動和限時特價，直接寄送到您的收件匣。最多一週一封電子郵件，且僅在有值得預訂的優惠時才會寄送。
