The ability to book a holiday and pay for it in monthly instalments is an attractive option for many travellers. There are several travel sites that offer this service, including United Vacations, which lets you reserve your holiday with a deposit of as little as $250 and pay the rest later. Uplift is another service that allows you to book your trip and make monthly payments, with no late fees or annual fees. Some airlines also offer monthly payment options, such as AeroMexico, Air Canada, and Alaska Airlines, which all partner with Uplift to provide payment plans. Online travel agencies like Alternative Airlines, CheapOair, and Priceline also offer monthly payment options through partnerships with Uplift, Affirm, or Klarna.
Characteristics | Values |
---|---|
Airlines that let you book flights now and pay later | AeroMexico, Air Canada, Alaska Airlines, Allegiant, American Airlines, Azul Airlines, Delta, Frontier Airlines, KLM, Lufthansa, Porter, Qatar Airways, Southwest Airlines, Sunwing, United Airlines |
Online travel agencies that let you book flights now and pay later | Alternative Airlines, CheapOair, Funjet Vacations, Priceline |
Online travel agencies that let you book hotels now and pay later | Expedia |
Book-now, pay-later services | Affirm, PayPal, Uplift, Klarna, Fly Now Pay Later, Afterpay |
What You'll Learn
Airlines that offer monthly payments
Several airlines offer monthly payment plans for travellers who want to book their flights in advance without paying the full cost upfront. These plans are often provided in partnership with payment services like Affirm, PayPal, Uplift, and Klarna. Here are some airlines that offer monthly payment options:
AeroMexico
AeroMexico, which connects major US cities to Latin American destinations, partners with Uplift to provide a monthly payment option. When booking a flight, you can select the option to pay in monthly instalments and then provide the personal information Uplift needs to process the loan. AeroMexico also accepts PayPal, which means you can use PayPal Credit to split up payments if approved.
Air Canada
Air Canada offers monthly payment options for its flights and vacation packages through Uplift or PayPal Credit.
Alaska Airlines
Alaska Airlines has partnered with Uplift and Klarna to offer financing for flights.
Allegiant
Allegiant Airlines uses Uplift and Klarna to provide payment plans. At checkout, you can select the Allegiant Pay option to choose financing through Uplift.
American Airlines
American Airlines offers several buy-now-pay-later options, including Klarna, PayPal Credit, Citi Flex Pay for select Citi cardholders, and Affirm, which has biweekly, monthly, and interest-free options. However, Affirm does not cover the cost of any flight extras, such as luggage. American Airlines Vacations also gives you the option to pay monthly with Uplift.
Azul Airlines
Azul Airlines, a low-cost Brazilian airline, accepts payments through Uplift and PayPal.
Delta
Delta offers PayPal Credit as a payment option, and you can also pay using Affirm if you book through Delta Vacations, a service for SkyMiles members that includes flights, hotels, transportation, and activities.
Frontier Airlines
Frontier Airlines, a budget carrier, allows monthly payments through Uplift on purchases of $49 or more. If eligible, this option will appear at checkout. Frontier is also a Klarna retail partner.
KLM
KLM offers the option to hold a fare for 72 hours for a non-refundable fee, giving you time to think about your booking. They also accept PayPal Credit, shown on the payment page as "Bill Me Later", which directs you to your PayPal wallet.
Lufthansa
Lufthansa offers monthly payment options, but these are available specifically for residents of Brazil and Colombia. US residents may pay monthly through PayPal Credit.
Porter Airlines
Porter, a Canadian airline, allows customers to use Uplift and PayPal to purchase flights across the US and Canada.
Qatar Airways
Unless you're flying from Brazil, Brunei, or Kazakhstan, you can hold a Qatar Airways booking for up to 72 hours using the "Hold My Booking" option on the payment page. This requires a non-refundable fee that doesn't go toward the ticket price. In most cases, you can also use PayPal Credit.
Southwest Airlines
Southwest Airlines uses Uplift to divide the cost of the flight into fixed monthly payments. They also accept PayPal Credit and Klarna.
Sunwing
Sunwing, which connects Canadian cities with destinations in Mexico and the Caribbean, offers monthly instalment plans through Uplift.
United Airlines
United Airlines offers monthly instalment plans through Uplift, PayPal Credit, or Klarna. They also have a program called FareLock that lets you pay a fee to hold a fare for three, seven, or 14 days before paying in full.
Alternative Airlines
Alternative Airlines offers weekly, biweekly, or monthly instalment plans with Uplift for any ticket booked through their website. They also allow splitting payments through Klarna. Alternative Airlines offers tickets from over 600 airlines, and you can use Uplift financing for all of them.
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Online travel agencies with monthly payment options
Planning a trip but don't want to pay for it all at once? Some online travel agencies have services that allow you to book a trip now and pay for it over time. Here are some of the agencies that offer monthly payment options:
Alternative Airlines
Alternative Airlines is an online travel agency that offers flights from over 600 airlines. Any ticket booked through Alternative Airlines can be paid for in weekly, biweekly, or monthly instalments with Uplift. You can also split payments through Klarna.
CheapOair
CheapOair is another online travel agency that offers a monthly payment option through Affirm. With Affirm, you can choose to pay monthly or every two weeks, with terms lasting up to 48 months for the largest loans. Interest rates range from 0% to 36% APR and are determined at the time of sign-up.
Expedia
Expedia is a well-known online travel agency that offers a book-now, pay-later option for hotel bookings. Payment is not due until you arrive at your hotel, and you have the option to spread your payments over multiple months using Affirm. Affirm offers payment plans of three, six, or twelve months, with interest rates ranging from 10% to 30% APR.
Fly Now Pay Later
Fly Now Pay Later is a book-now, pay-later app that allows you to book flights on a variety of airlines. They offer no-interest options and a range of payment plans ranging from two to twelve months. A down payment may be required, and you must pay with a debit card.
Priceline
Priceline is another online travel agency that offers monthly payments through Affirm. During the secure billing step of the booking process, you can select the "monthly payments" option and choose from three-, six-, or twelve-month payment plans. Alternatively, you can use Klarna to split the payment into four instalments over six weeks.
United Vacations
United Vacations allows you to reserve your vacation with a deposit of as little as $250 per person and pay the rest later. You can apply multiple payments over time or use multiple credit cards. The final payment is due at least 45 days before departure.
Uplift
Uplift is a buy-now, pay-later service for travel that allows you to pay for your flights, cruises, hotels, or vacation packages in monthly instalments. Uplift offers an APR of 0% to 36% based on your credit score, and there are no late fees or prepayment penalties.
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How to pay for flights in instalments
There are several options for paying for flights in instalments. These include using a specialised service, such as Affirm, Uplift, or Klarna, or opting for a "book now, pay later" plan offered directly by the airline.
Using a specialised service
Services like Affirm, Uplift, and Klarna have partnered with various airlines, travel agencies, and hotels to offer monthly payment options for your flights.
With Affirm, you can pay monthly or biweekly, with terms lasting up to a year for smaller loans. Interest rates vary from 0% to 36% APR and are determined when you sign up. Affirm is only available in the US and Canada, and you will need a phone number to use as an account login.
Uplift is another popular option, offering an APR of 0% to 36% based on your credit score. You can use Uplift to pay for flights, cruises, hotels, or vacation packages. There are no late fees or penalties for early payment, and you can set up autopay for added convenience.
Klarna also allows you to pay for your flights in monthly instalments or four equal payments made every two weeks. You will need to add the Klarna extension to your Chrome browser or download their app, and the first payment will be due upfront. Klarna offers an APR of 0% to about 30%.
Airline "Book Now, Pay Later" Plans
Some airlines offer their own "book now, pay later" plans, which allow you to secure your flight without immediate payment.
For example, United Vacations allows you to reserve your vacation with a deposit of as little as $250 per person, with the final payment due at least 45 days before departure.
Alternatively, you can utilise online travel agencies that offer monthly payment options, such as Alternative Airlines, which offers weekly, biweekly, or monthly instalments through Uplift for flights booked with over 600 airlines.
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How to spread the cost of a hotel into monthly payments
If you want to book a hotel and pay for it in monthly instalments, there are several options available to you.
Uplift
Uplift is a pay-over-time financing service that partners with hotel chains, among other travel companies. When you select a hotel, Uplift will show you a per-month rate based on the price of the items in your shopping cart. Once you get to the payment page, you can select the monthly payment option and provide some personal details. Uplift will then tell you whether you've been approved. There is no penalty for paying late or early, and you can set up autopay. APRs range from 0% to 36%, based on your credit score.
Affirm
Affirm is a buy-now-pay-later service that works with several travel companies, including Expedia and Vrbo. It offers payment plans of three, six, or 12 months, with no interest options available for qualified shoppers. Interest rates can also range from 10% to 30% APR. You can make payments online or through the Affirm app, and you'll receive email and text reminders about your due date.
PayPal Credit
Some travel companies that take PayPal also offer PayPal Credit, which allows you to pay in monthly instalments. As of 2023, the variable purchase APR is about 28% for new accounts, but you can avoid paying interest if you pay off the loan within six months.
Fly Now Pay Later
Fly Now Pay Later is an app that lets you book flights and hotels directly through the app or choose the service at checkout. It offers no-interest options and a range of payment options to spread the cost of your fares over as long as a year. Payment plans range from two months to 12 months, and a down payment may be required.
United Vacations
United Vacations allows you to reserve your vacation from just $250 per person and pay the rest later. You can apply multiple payments over time or pay using multiple credit cards. The final payment is due at least 45 days before departure.
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The advantages of using Uplift vs a credit card
Uplift, a buy-now-pay-later service, has several advantages over credit cards. Firstly, it charges simple interest, whereas some credit cards charge interest on interest, making it hard to understand the ultimate cost. With Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees. This clarity makes budgeting easier, allowing you to manage your expenses over time.
Uplift also offers flexibility in payment options. Some plans include interest while others are interest-free. There are no late fees or pre-payment penalties, and you can set up autopay for automatic payments. Uplift has partnerships with multiple airlines, cruise lines, resorts, travel agencies, and vacation package providers, making it easy to book a trip.
Uplift also has a simple application process. When checking out, you select Uplift as your payment method, complete a short application, and receive a quick decision. If approved, you choose the terms of your payment plan and finish checking out.
In addition, Uplift reports to credit bureaus, which can positively impact your credit score. This can be especially beneficial if you make consistent, on-time payments.
Overall, Uplift provides a convenient and flexible way to pay for travel, offering clear pricing and budgeting options that may not be available with credit cards.
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Frequently asked questions
Many travel sites and airlines offer monthly payment options, including United Airlines, Southwest Airlines, American Airlines, Delta, Air Canada, and Porter Airlines. Online travel agencies such as Alternative Airlines, CheapOair, Funjet Vacations, and Priceline also offer monthly payment options.
Examples of book-now-pay-later services include Affirm, PayPal, Uplift, and Klarna.
Affirm allows customers to pay monthly or biweekly over a period of up to 48 months, with interest rates ranging from 0% to 36% APR. A down payment and credit check may be required when applying for a loan.
Uplift offers monthly payment plans with no late fees or prepayment penalties. The APR ranges from 0% to 36%, and customers can set up autopay for their payments.
Klarna is a book-now-pay-later service that allows customers to pay for their purchases in monthly installments or four equal payments made every two weeks. The APR ranges from 0% to about 30%.