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How do I apply?

Shop for your items and add them to your cart like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security number. If you're approved, finish checking out and you're done.

How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button. We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting pay.uplift.com .

I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

What is your Privacy Policy and Terms of Use?

Here is a link to our Privacy Policy and Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $49 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders. Privacy Policy and Terms of Use .

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Buy now, pay later with KAYAK and Affirm

Don’t let budget get in your way – enjoy monthly installments for select flights, stays and rental cars booked on KAYAK.

What is Affirm?

Book today and pay over time.

Feel good about what you book and how you pay for it. With Affirm, you can make thoughtful purchases and pay over time while staying on budget. See here for additional details .

Affirm benefits

Quick and easy

Select Affirm as your payment method when booking and choose the payment plan that works for you.

No hidden fees

Affirm helps you break up payments with no fees or surprises, so you’ll know exactly how much you owe.

Real-time eligibility check

Answer a few questions to check your eligibility -or prequalify to see how much you can spend without affecting your credit score.

Images below are for illustrative purposes only

How to use Affirm on KAYAK

Step 1 – look for the kayak logo **.

Once you find the flight, stay or rental car perfect for you, look for the KAYAK logo when choosing which provider to book with.

**Applicable bookings may be labeled with “Instant booking” and/or a thunderbolt icon.

Step 2 – Select “Affirm” as your method of payment

When choosing your payment option, select Affirm as the method of payment for your booking.

Step 3 – Check your eligibility on Affirm

Simply enter your mobile number to confirm your account and answer a few questions to check your eligibility. Don’t stress–this won’t affect your credit score.

Step 4 – Compare your payment plan options

Quickly and easily compare the payment plan options available for your booking.

Step 5 – Review your final payment plan

Review the payment options for your booking and complete your reservation by paying with Affirm.

Rates from 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.

Search now and pay with Affirm

Frequently asked questions.

Yes! There’s no penalty for paying early.

You can make or schedule payments at affirm.com  or in the Affirm app
 for iOS or Android. Affirm will send you email and text reminders before payments are due.

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

Yes, your travel booking must be $150 or greater.

For any cancellation or change requests, please reach out directly to the merchant via customer support service number provided in your booking confirmation emails.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

You can visit their website at affirm.com .

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A guide to using buy now, pay later for travel

PayPal Editorial Staff

January 5, 2024

Planning a vacation? Buy now, pay later (BNPL) may be offered as a payment option when booking flights, hotels, or other travel accommodations.

Discover how BNPL options work for travel, from potential pros and cons to responsible practices and strategies if considering using it.

What is buy now, pay later for travel?

Buy now, pay later is an installment option that allows people to split up purchases into several smaller payments over weeks or months. It can typically be used for several types of purchases, from big-ticket items like electronics and furniture to travel expenses like hotels and airfares.

If BNPL is an available payment option for an airline, hotel, or travel retailer, individuals can opt for a payment plan at checkout. Normally, they would select the BNPL provider and apply in the checkout, but some providers may redirect applicants to their website to create an account and apply. Typically, applicants receive a near-instant decision, which may mean those looking to use buy now, pay later for travel can book their travel or vacation without a significant delay.

Depending on the BNPL provider , there may be interest fees and other charges, though some providers may offer plans with no interest. Be sure to review any terms before applying.

While application and approval requirements may vary depending on provider, here’s a breakdown of the general eligibility requirements and approval process:

• Meet the eligibility requirements:  These can vary based on the provider. People typically need to be at least 18 years old and provide personal details like their social security number and home address. Some BNPL providers may also assess income, payment history, and credit score.
• Agree to the terms:  Individuals must agree to the terms and conditions of a BNPL plan, including an installment schedule and any associated fees or interest charges.
• Receive a decision and book travel:  People usually receive a BNPL approval decision in seconds. If approved, they can book their travel using BNPL as their payment method.

Potential benefits of using buy now, pay later for travel

Before using buy now, pay later for a trip, consider the potential advantages:

• Flexibility:  BNPL may offer flexibility to spread the cost of a trip over time, allowing travelers to manage their budget and avoid a significant upfront expense.
• Interest-free options:  Some BNPL services may provide interest-free payment plans. For example, PayPal’s Pay in 4 allows people to split eligible purchases into four interest-free, bi-weekly installments. 1
• Accessibility:  Buy now, pay later may help make travel accessible to those with limited credit histories or low credit scores.

Potential downsides of using buy now, pay later for travel

There are some potential disadvantages to using buy now, pay later for travel expenses. Some examples include:

• Interest and fees:  Some BNPL providers may charge interest or fees if travelers miss payments or choose longer repayment terms, potentially increasing the overall cost of their trip.
• Overspending: While BNPL offers flexibility, it can also lead to overspending if travelers don't carefully budget for their installment payments. It also may tempt some to book more expensive trips than they can comfortably afford.
• Credit impact: Although certain buy now, pay later providers may not conduct hard credit checks initially, missed payments or defaults may negatively impact credit scores in the long run.
• Limited booking options:  Not all travel providers or agencies accept BNPL as a payment option.

Using buy now, pay later for travel responsibly

Here are some factors to consider when signing up for a BNPL plan for travel:

• Budget and plan:  Establish a personal budget  for travel plans that includes not only the upfront trip cost but also the future installment payments to ensure the overall expense remains manageable and within budget.
• Read the fine print:  Carefully read and understand the terms and conditions. Pay close attention to any interest rates, fees for missed payments, and the total cost of a trip when opting for BNPL.
• Responsible spending:  Avoid the temptation to overspend just because BNPL offers flexibility. It’s important to only buy on credit responsibly .
• Ensure timely payments : Commit to making payments on schedule to avoid late fees or interest charges. Setting up automatic payments  can help prevent missed deadlines.

Using BNPL for travel may offer convenience and flexibility for those looking to travel or book a vacation, but it should be done with careful consideration. Be sure to consider any fees or interest that may apply and keep track of when payments need to be made.

Learn about PayPal Pay Later .

BNPL for travel FAQ

What is buy now, pay later.

Buy now, pay later is a type of short-term financing method that allows people to split a purchase into several smaller installments over weeks or months. Some BNPL plans may be interest free, while others may include interest and fees.

Can buy now, pay later be used for flights?

Buy now, pay later can often be used for flights. Many airlines and travel booking platforms offer BNPL as a payment option at checkout. Travelers should budget and plan their payments accordingly before committing to a payment plan.

Can I book a vacation with buy now, pay later?

Individuals may be able to book a vacation using buy now, pay later. BNPL options are increasingly available for vacation planning, including flights, accommodations, and activities. Travelers can opt for BNPL at checkout and split the total cost into smaller installments. However, be sure to budget carefully and be aware of any potential interest or fees.

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• What is Uplift?

Uplift gives you the freedom to book travel now and pay over time with simple fixed installments. Some plans include interest while some are interest-free. When you're ready to check out, just select "Uplift" as your payment method, complete a short application and receive quick decision. Choose the terms of your payment plan, finish checking out and enjoy your purchase. Then, pay over time with simple, no-surprise monthly payments.

• How do I apply for installment payments through Uplift?

Shop for your items and add them to your cart just like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a U.S. resident, your Social Security Number. If you're approved, finish checking out and you're done.

• How are my loan term offers determined?

We look at a number of factors, including your credit information, purchase details and more.

• How do I make installment payments?

You can make a payment anytime at pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button.

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• I purchased a trip using Uplift, can I travel before it’s paid off?

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Why this small Maryland city is offering $20,000 to people who move here

The “Choose Cumberland Relocation Program” will give $10,000 in cash to 10 people, as well as up to $10,000 in matching funds toward renovations or down payments.

With its historic church steeples and the arched Blue Bridge stretching across the north branch of the Potomac River, the city of Cumberland in western Maryland offers a picturesque view of small-town Appalachia to anyone passing by along Interstate 68.

But the once-robust hub of manufacturing has struggled since the days it was known as Maryland’s “Queen City,” as its population has dropped from nearly 40,000 in 1940 to less than half of that today. A fifth of Cumberland’s 19,000 residents live in poverty now after the glass factories and, later, the tire plant and other businesses shut down.

As part of a broader effort to recapture some of the city’s former vitality, Cumberland is hoping to take advantage of the pandemic shift to remote work by giving $20,000 to 10 home buyers who promise to invest in those properties and become part of the community.

The “Choose Cumberland Relocation Program” will give $10,000 in cash to 10 people, as well as up to $10,000 in matching funds toward renovations or down payments. The city is funding the cash payments, while the matching payments will be funded by a $100,000 grant from Maryland’s Community Legacy Program, which supports projects aimed at strengthening and revitalizing communities.

“It’s really to attract people who will benefit your community,” said Cumberland City Council member Laurie Marchini. “It’s not a social services program; it’s to bring people in who are employed.”

The pilot program, for which applications opened last week and will close after Tuesday, is not a particularly new approach to community building.

Local and state governments across the country have launched similar programs in hopes of tapping into the massive demographic shift caused by the pandemic, where professionals allowed to work from home were suddenly searching for cheaper homes and more space.

In Oklahoma, a program in Tulsa offers $10,000 to both renters and home buyers who have full-time, remote work and are willing to move there from out of state.

In New York, a relocation program in the Rochester area offers home buyers grants of up to $9,000, plus professional networking opportunities and “customized programming to ensure successful integration into the community,” according to that program’s website.

And in West Virginia, a short drive from Cumberland, another program pays newcomers $12,000 in cash, while also offering a co-working space, a year’s worth of free activities such as white-water rafting, and other perks to employed people willing to relocate to certain areas.

“Whether you put this $12,000 toward a new car for scenic drives down our country roads or a new mountain bike, it’s totally up to you,” West Virginia’s program, called Ascend, says on its website. “It’s true what they say: Money goes further in the mountains.”

Cumberland officials are hoping that claim also applies to their mountain community.

The city has been hurting since the mid-20th century, due to industrial shifts and the railroads’ decline in economic importance. Plant closures during later decades led to more job losses, culminating in the 1987 shuttering of the Kelly-Springfield Tire Co. factory, which left hundreds of people out of work.

After decades of continued economic dormancy, Cumberland officials have recently poured money into other revitalization projects with the aim of boosting the city’s tax base and bringing more energy to its small downtown area.

During the past 18 months, city leaders have overseen a renovation and redesign of the streets in Cumberland’s historic central district, centered along the brick-paved Baltimore Street.

About a dozen new businesses, including a taco restaurant, ice creamery and boutique clothing shop, have sprung up or relocated there during the construction, and two or three more are expected to be in place for the district’s grand reopening in November, city officials said.

Meanwhile, millions of dollars in federal, state and local funds have been pledged for a new River Park along the Potomac to include walking trails, a white-water course and boating access.

To qualify for the relocation program, newcomers must commit to staying in the city for five years. The application includes questions about the nature of their employment, why they’ve chosen Cumberland and their interests and hobbies.

Some critics of the program have argued that the money should instead go to people who already live in Cumberland, city officials say.

Mayor Raymond Morriss says the city has funded other programs for its current residents, including one that offers $25,000 in incentives for the rehabilitation of vacant properties and an initiative that helps low-income residents with home improvement efforts.

Morriss said the relocation program is geared toward addressing one of the city’s biggest issues — its population loss.

Before the city secured the state grant for its relocation program, a trickle of new residents had already been arriving — what Morriss calls a “silver lining” from the pandemic that the city hopes to harness even more.

“A lot of people were kind of leaving the rat race and coming out to enjoy the outdoor recreation and the lifestyle that’s available out here,” he said. “We were looking at ways that we can continue that.”

Cumberland’s boosters tout “a diverse, friendly, small-town community” with walkable neighborhoods and outdoor attractions. The city is where the Great Allegheny Passage, a 150-mile trail from Pittsburgh, meets the C&O Canal Towpath, a dirt and stone trail that runs 184.5 miles from Cumberland to Georgetown in the District of Columbia.

Juli McCoy, president and CEO of the Allegany County Chamber of Commerce, said the city is gaining new energy.

“I’ve worked downtown for 20 years, and this is the most exciting it’s ever been,” she said. “I’ve watched it fall apart. I’ve watched it be pieced together. And now I’m watching it be rebuilt and reimagined.”

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If you need to buy a plane ticket but don’t want to pay the full amount upfront, an option to consider is purchasing your flight using a flight payment plan that doesn’t require a credit check.

This can be a valuable option for travelers who can’t or don’t want to pay the total amount of the flight right away but who also don’t want to put the travel on a credit card — which may carry a sizable interest rate. 

If you’re considering this option, keep reading to learn how to find a flight payment plan. 

What is a flight payment plan?

A flight payment plan is a buy now, pay later option for booking flights. While the specifics vary based on your particular plan and other factors, a flight payment plan involves paying for the flight over time in equal installments. Usually, you can find these payment plans as a checkout option on the airline or online travel agency's website. Look for buy now, pay later plans from companies like Uplift, Affirm, Klarna or PayPal Credit.

Here’s an example of how a flight payment plan works:

Say you want to buy a round-trip ticket on Southwest Airlines, flying from Oakland, Calif., to Fort Lauderdale, Fla. You find a ticket that departs on Sept. 6, 2023, and returns on Sept. 14 for $447.97. 

Southwest allows you to pay in full or spread out your payments at checkout using Uplift. Uplift is a company that will enable qualifying customers to pay $47.34 at booking and then pay an additional $47.34 each month for the following nine months. Using the Uplift option, you’d pay $473.40 for your flight — $25.43 more than if you paid directly.

Although you’ll end up paying slightly more for the flight using Uplift than you would if you paid in full right away, this can be a great option for travelers who don’t have a credit card or who want to avoid using a credit card, especially if the card has a high interest rate.

» Learn more: 5 ways credit cards can beat buy now, pay later plans

Why look for flight payment plans with no credit checks?

Before signing up for a flight payment plan, check to see if you’ll be subject to a hard credit check for approval. Many buy now, pay later services only do a "soft credit inquiry." The main difference between a soft and a hard credit check is that a soft credit check doesn’t affect your credit score, whereas a hard credit check will.

Your credit score is essential for several reasons, including getting preferential interest rates for car loans or home mortgages, which is why you should favor flight payment plans that don’t require hard credit checks.

» Learn more: 6 tips for traveling without a credit card

Making a flight payment plan with no credit check

If you’re looking to use a flight payment plan to buy a plane ticket, the next step is to book your travel with either an airline or a booking website that offers flight payment plan options — and be sure to look for one that doesn’t require a hard credit check.

Airlines and booking websites that offer flight payment plans with no hard credit checks include:

United Airlines.

Southwest Airlines.

American Airlines.

Alaska Airlines.

While the exact steps will vary based on who you’re booking with, you’ll typically take the following steps to book your flight and secure your payment plan:

Search for and select the flight you want to book. Indicate that you’d like to use a buy now, pay later plan.

Fill in the information required to set up your payment plan, which may include your name, birthday, Social Security number and phone number. 

If you’re approved, select the payment option you want to use.

After you find a plan that works for you, accept the plan. You’ll usually also have to make an initial deposit. 

If you want to book a flight with an airline or booking site that doesn’t allow you to set up a flight payment plan at checkout, you may be able to set up a plan directly with a buy now, pay later company. For instance, Zip.co allows you to set up a flight payment plan with Booking.com or Delta with no hard credit check.

» Learn more: The problems with using buy now, pay later to fund travel

Flight payment plans with no credit check recapped

If you’re purchasing a flight and don’t have the funds available to pay for it in full upfront — or if you’d rather spread out your payments over time — it’s worth considering a flight payment plan.

However, finding a plan that doesn’t require a hard credit check is best since that can lower your credit score. 

To secure a flight payment plan with no credit check, you should first look into airlines and booking websites that offer that option, such as Alaska Airlines, United and Priceline.

After you find a flight you like, fill in the relevant information and review your payment options. If the plan looks good to you, accept the terms, including paying an initial deposit.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

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