book a trip pay later

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 .

*0% APR offer available on 3 month terms between 4/1/2024-4/30/2024 for approved applicants purchasing Wanna Get Away Plus®, Anytime, and Business Select® tickets. Based on a purchase price of $200, you could pay a down payment of just $50 today, followed by 3 monthly payments of $50 at 0% APR. APRs range from 0%-36%, not everyone is eligible to receive a 0% APR offer. Minimum $49 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders .  Privacy Policy .  Terms of Use .

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$250 down, pay later

Reserve your vacation for as little as $250 down.

United Vacations allows you to reserve your vacation from just $250 per person and pay the rest later. United Vacations offers you the flexibility to apply multiple payments over time, or even pay using multiple credit cards. The final payment is due at least 45 days prior to departure. The amount of your deposit includes a portion of your flights, your hotel stay and the full cost of any vacation add-ons, such as show tickets, excursions or travel protection.

How do I put as little as $250 down and pay later?

If you are booking your vacation more than six weeks in advance, the deposit option will appear during the booking process on step three of checkout. At this point, you can even schedule automatic final payments or set up email reminders. The actual deposit amount required varies based on the destination and hotel accommodations selected.

Scheduling automatic final payment

Select a final payment date more than 45 days before your departure date and your credit card will automatically be charged on that date. If you've entered multiple credit cards for your initial deposit, select the corresponding number in the Payment # field (a "1" in this box will charge the first credit card listed, a "2" will charge the second credit card listed, and so on).

Scheduling an email reminder

It's easy to set up an email reminder that will notify you when payment is due on your vacation. This makes it especially easy when you are making multiple payments toward the full vacation price. Just follow the instructions during step three of checkout to schedule your email reminder.

The actual deposit amount required varies based on the destination and hotel accommodations selected. Destinations outside of North America require a $350 per person deposit. Some special holiday/convention periods (or other exceptions) may apply where full payment is required at time of booking. Vacation cancellations/revisions are subject to penalties outlined in the  Terms and Conditions . If you prefer, you may pay for some or your entire final vacation amount due before the final payment date (you can do this either by logging in to the account you created at time of booking or by calling us at the phone number above).

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Call us at  1-888-854-3899 . You can also find answers to most of your questions by reviewing our  Frequently Asked Questions .

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16 Airlines That Let You Book Flights Now and Pay Later

Planning a trip but don't want to pay for it all at once? These sites offer book-now, pay-later flights.

Orbon Alija/Getty Images

If you think a vacation is out of your reach, think again. Some airlines and online travel agencies have services that allow you to book a trip now and pay for it over time.

Affirm, PayPal, Uplift, and Klarna are among the book-now, pay-later services travel companies and airlines offer. Here, we break down the basics of these and airlines' own "BNPL" options so you can secure flights when the prices are lowest, even if you don't want to pay for them in full upfront.

Airlines Offering Book-now, Pay-later Flights

AeroMexico connects major U.S. cities to Latin American destinations like Guadalajara and Puerto Vallarta. The airline partners with Uplift to provide a monthly payment option. When you go to book a flight, you'll see an option to pay in monthly installments. Click through and you'll be asked for any personal information Uplift needs to process the loan.

You can also pay in installments through Klarna. Download the Klarna extension for Chrome or the app and you should see a pink "K" icon that will show you financing options. AeroMexico takes PayPal, which means you can use PayPal Credit to split up payments if you're approved.

Pay monthly for Air Canada flights and Air Canada Vacations packages with Uplift or PayPal Credit.

Alaska Airlines

Alaska Airlines partners with Uplift and Klarna to offer financing for flights.

Allegiant also uses Uplift and Klarna to provide payment plans. Select the Allegiant Pay option at checkout to choose financing through Uplift.

American Airlines

American Airlines offers several ways to buy now and pay later, including Klarna; PayPal Credit; Citi Flex Pay for select Citi cardholders; and Affirm, which has biweekly, monthly, and interest-free options but doesn't cover the cost of any flight extras, like luggage. American Airlines Vacations also gives you the option to pay monthly with Uplift.

Azul Airlines is a low-cost Brazilian airline that accepts payments through Uplift and PayPal.

Delta Air Lines

Delta offers PayPal Credit as a payment option, and you can pay using Affirm if you book your trip through Delta Vacations , a service for SkyMiles members that bundles flights, hotels, transportation, and activities.

One of the United Arab Emirates' two flag carriers, this airline partners with financing institutions Uplift and Klarna. You can also pay with PayPal Credit.

Frontier Airlines

Budget carrier Frontier Airlines lets you pay monthly installments through Uplift on purchases of $49 or more. If eligible, you will see the option at checkout. Frontier is also a Klarna retail partner.

KLM offers customers the option of holding a fare for 72 hours for a non-refundable fee. This is great if you find a fare that you want to book but need a few days to think about it. In addition, the airline takes PayPal Credit. This service is shown on the payment page as a "Bill Me Later" option, but directs you to your PayPal wallet.

Lufthansa has a list of payment methods on its website . Some monthly payment options are available specifically for residents of Brazil and Colombia. U.S. 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 U.S. and Canada.

Qatar Airways

Unless you're flying from Brazil, Brunei, or Kazakhstan, you can hold any Qatar Airways booking for up to 72 hours. How long prospective travelers can hold their Qatar flights depends on where they intend to fly to and from. The "Hold My Booking" option, available on the payment page, requires a non-refundable fee that doesn't go toward the price of your ticket. In most cases, you can also use PayPal Credit.

Southwest Airlines uses Uplift to break the cost of the flight up into fixed monthly payments. It also accepts PayPal Credit and Klarna.

Sunwing connects Canadian cities with destinations in Mexico and the Caribbean. You can pay for plane tickets in monthly installments through Uplift.

United Airlines

Use Uplift, PayPal Credit, or Klarna to pay for United Airlines flights in monthly installments. The company also has a program called FareLock that allows you to pay a fee to hold a fare for three, seven, or 14 days before paying for it in full. If you decide not to buy the ticket, you forfeit the fee. This service is offered only on itineraries wholly operated by United Airlines and/or United Express.

Online Travel Agencies Offering Monthly Payment Options

Alternative airlines.

Any ticket booked through Alternative Airlines can be paid for in weekly, biweekly, or monthly installments with Uplift. The online travel agency markets itineraries by more than 600 airlines, and Uplift financing can be used for all of them. You can also split payments through Klarna.

CheapOair.com

CheapOair uses Affirm to offer customers a monthly payment option.

Funjet Vacations

Funjet Vacations uses Uplift to offer monthly payments for its flights and vacation packages.

Priceline uses Affirm to handle monthly payments. Select the "monthly payments" option on the secure billing step of the booking process and choose from three-, six-, or 12-month options. Alternatively, break it up into four payments over six weeks using Klarna.

How Buy-now, Pay-later Services Work

Airlines and travel agencies partner with BNPL services like the travel-specific Uplift or the more broadly available Affirm to offer monthly payment options. Some take payments through PayPal Credit and/or Klarna. Learn about the differences between these services and how they work.

Affirm allows customers to pay monthly or every two weeks. Terms can last up to 48 months for the largest loans, but more typically, they last up to a year. Interest rates vary by person, ranging from 0% to 36% APR, and are determined at the time of sign-up. A down payment and credit check might be required when you apply for a loan.

To use Affirm, you will need a phone number to use as an account login. The service is available only in the U.S. and Canada. Once you've created your account and gotten approved for a loan amount, you can set up auto-pay or pay each month via the app or website. You can find a full list of Affirm's travel partners, including airlines and accommodations, on its website .

PayPal Credit

This is a monthly payment option provided by travel companies that take PayPal. Typically, you'll choose PayPal as your payment method, and once you sign into your PayPal account, you can choose PayPal Credit . As of 2023, the variable purchase APR is about 28% for new accounts, but you can avoid paying interest altogether if you pay the loan off within six months. Loan applications are subject to credit approval.

Uplift is the leading pay-over-time financing service in the travel space, partnering with cruise lines, hotel chains, airlines, and more. Once you have selected a product, like your flight, you are shown a per-month rate based on the price of the items in your shopping cart. When you get to the payment page and choose monthly payment as your option, you will be asked for some personal details, and once you click "check rate," you will be told whether you've been approved. Uplift offers an APR of 0% to 36% based on your credit. You won't be penalized for paying late or early, and you can set up autopay so the money comes out of your account automatically.

Klarna breaks up the price of your ticket into monthly payments or four equal payments to be made two weeks apart. Add the Klarna extension to your Chrome browser or download the app on your phone, then book your flight as usual, selecting Klarna at checkout. The first payment will be due upfront. Klarna offers an APR of 0% to about 30%.

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Explore > Company > News > Book your flight and hotel now, pay later

Book your flight and hotel now, pay later

We are always looking ahead at new payment options and technologies to help alleviate the stress of booking your dream vacation. Are you on a tight budget, or perhaps you just prefer to pay for big purchases over time? Great news, we now have you covered!

Expedia recognizes there’s no one-size-fits-all approach to budgeting for vacation so next time you’ve caught the wanderlust bug or need to get home for Christmas but are struggling to pay for those flight and hotel reservations upfront, you can now breathe a sigh of relief. We’ve recently expanded our partnership with online lender Affirm to give you the flexibility of spreading out the cost of your flight and hotel package booking over numerous payments instead of paying the full amount of your trip upfront.

Our team is incredibly passionate about making travel accessible for all—everyone deserves a vacation! We’ve received positive feedback from our customers who have used Affirm to book and pay for hotels on Expedia , and now we are excited to bring this payment offering to Expedia customers shopping for flight and hotel packages as well.

Ready to take advantage of more payment flexibility when you travel? Here’s how you can use Affirm on Expedia to book your next hotel and flight package.

1) Visit expedia.com , search for and select a flight and hotel.

Upon selecting your package, select the Monthly Payments tab .

2) Click on “Continue to Affirm”

3) Create an account or sign in to Affirm

You will be transferred to a secure Affirm sign-in page. Shoppers apply using top-of-mind information about themselves and receive a real-time decision at checkout.

4) Complete your reservation with Affirm

Now you’re ready to jet set!

Expedia also offers exclusive Book Now, Pay Later hotel deals , so there’s no reason to let the cost of accommodation keep you from your travel plans.

What’s holding you back? Plan and book your next dream vacation today!

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Enjoy now. Pay over time.

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Frequently Asked Questions

• 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.

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 at pay.uplift.com.

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• 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?

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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 $300 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders.

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Reserve your hotel now and pay later.

Any seasoned traveler knows that even the most well-researched trip can run into problems. Inclement weather can delay or cancel flights, travel itineraries can reroute through different cities and personal emergencies can reschedule entire trips. But you don’t have to worry about potential disruptions when you book your next hotel through Expedia. With Expedia’s Book Now Pay Later you don’t pay for your rooms until you arrive at the property. Rooms booked in advance are guaranteed for your stay but are only paid for once you check in. If anything comes up to keep you from your vacation, you won’t be charged for missing or modifying your reservations.

Advantages to booking now and paying later

With Book Now Pay Later, you can reserve rooms and accommodations while you’re still planning for your trip. Because most of our properties do not charge an advance fee or cancellation fee for reservations, you can save on travel costs until the date of your trip. And if something does end up disrupting your plans and you find yourself no longer needing a reservation, scheduling in advance can prevent costly and unnecessary bookings.

Guide for delaying payment

Always be sure to check that your property doesn’t charge for cancellations or advance bookings. While Expedia doesn’t charge for cancellations, some properties might, so make sure to check before you book. Finally, keep track of your reservations ahead of time. If anything does change in your itinerary be proactive in maintaining and modifying your accommodations.

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Terms & Conditions:

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Save on participating properties with savings as marked.

All offers are subject to availability and change and may be discontinued without notice.

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How to Use ‘Travel Now, Pay Later’ Services When Planning a Trip

By Jennifer Bradley Franklin

All products featured on Condé Nast Traveler are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

All products featured in this story are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

After more than a year of sticking close to home, travelers are ready to budget for a vacation once again. But if the desire to travel outpaces your finances, a growing number of “travel now, pay later” services are making immediate vacations possible. 

“Services such as Klarna and Afterpay are giving us the flexibility to afford that extra-nice hotel or to stay on vacation that extra day by staggering payments and slicing them into four rather than requiring one upfront payment,” says Michelle Halpern, the founder of the Live Like It's the Weekend travel blog.

Here’s how it works: If you find a trip, flight, or hotel and see the Klarna or Afterpay option, you can undergo a 30-second soft credit check, either through the apps or online, to determine the amount you qualify to pay in installments. You make the first payment—one-quarter of the total purchase—and get your trip or flight confirmation immediately. The service charges the remaining interest-free installments of the total every two weeks directly from your preferred payment method until the total is paid. You secure the deal instantly, there’s no impact on your credit score and there are no fees. However, using these services doesn’t help build credit and their charges are initiated automatically, which means that even if your linked bank account gets low or your credit card is near its limit, those charges are still going to happen.

“Afterpay saved my life on many occasions,” says Shawn Richards, a U.K.-based expedition coordinator for Ultimate Kilimanjaro, who spent years as a nomad. Richards recalls times when he’d decide spontaneously to go somewhere new, but wouldn’t have the ready funds. “Afterpay was like having a virtual father, as it gave me the kick I needed; I had to find a job in my destination very quickly to be able to pay for how I got there,” he says. Four years ago Richards used Afterpay to score the $1,400 open-ended flight to Tanzania that led to working with his current tour company.

The idea is catching on fast: Afterpay reported that it’s signed up more than 13 million users in North America as of January 2021. Different retailers have partnerships with different payment systems, so you might need accounts with multiple service providers to build the trip you want. For example, Airbnb offers payment through Zip (formerly Quadpay), while you can pay for trips on Booking.com and Expedia through Klarna. Here are some other things to consider.

Should I spring for a pricier trip?

While these services can be a great way to avoid credit card debt and the interest that can come with it, financial pros caution against spending more than your budget allows.

“Just because you have more time to spend your money doesn’t mean you have more money to spend,” says Tony Palazzo, CFA and Managing Partner at Berkeley Capital Partners & Access Private Capital in Atlanta , who notes that pay in four services may ease the psychological impact of a purchase, but that doesn’t mean you’re paying less. “You need to ask yourself, ‘If I can’t afford it now, how will I afford it within a [six]-week time period?’” he says.

Palazzo is currently seeing his financial services clients plan to take bigger trips , either because they haven’t spent money on travel during the pandemic or they’re rewarding themselves for a difficult 2020. “‘Revenge spending’ is a real thing, and travel appears to be a popular target,” he says.

When he was a nomad traveling the world , Richards tried to keep his budget conservative by thinking of Afterpay like borrowing money from a friend. “Then you are likely to only borrow what you need, and not more,” he says.

How to maximize the benefits

When you see an ultra-low price on a flight to your dream destination or an unheard-of deal on a hotel, services like Klarna and Afterpay can help you book it before it’s gone. “Time pressure to lock in a great deal is common with travel,” Palazzo says. “Offers appear at a moment’s notice and often require you to act quickly. Having quick access to the cash you might not have readily on hand, could better position you to nab that heavily discounted red-eye to Paris .”

Dolores Mason-Stokes, a Chicago-based plus-size fashion and travel blogger, used Klarna to book an upcoming trip to Catalina Island in California, and she’s planning to use it again to pay for a 2022 anniversary trip to Bali . She says that using the service strategically makes it easy to budget for a bigger trip because she’ll buy one element (like a flight) and pay it off before adding the next (like a hotel). “It doesn’t matter if it’s flights, transportation, places to stay or even excursions, you can pay through [Klarna],” Mason-Stokes says. “You could book an entire trip abroad.”

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With a unique selection of 2+ million whole homes all over the world, finding the perfect place for your family to get away together is easy. And now paying at your own pace with Affirm gives everyone more options - choose between 3 to 24 monthly payments. You’ll also get access to 24/7 support and our Book with Confidence Guarantee free with every booking. So go for it. Your together awaits. Affirm is available on select properties. Look for the Affirm logo on eligible listings.

Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. As low as 0% APR promotion runs 5/1/2023 to 5/14/2023 or until funds are expended, whichever occurs first. Payment options through Affirm are subject to an eligibility check 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.

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☀️OPEN for Christmas-BEACH Front-Amazing Views-5BR Little House on the Beach

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Private Beach Entrance! Pet Friendly! CLM 7A!

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Bright Historic Charleston Luxury Condo

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Charming Downtown Charleston 3 Bedroom Home Two Blocks To King St With Parking

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Charming full home minutes from Folly Beach & Downtown

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Walk to Upper King St. Historic downtown Charleston retreat. Free Off-street parking for 2 cars!

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⭐Free Parking⭐ - Walk to Downtown & MUSC

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AWESOME PROPERTY, GREAT DOWNTOWN CHARLESTON LOCATION! Sleeps 10

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DIRECT OCEANFRONT with Million Dollar Views Top Floor/end unit

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New Listing! 2nd Row Ocean completely remodeled in 2021 (Sleeps 24 in beds)

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Resort Like Paradise, Steps from Beach! 10 Bikes, 6 Seat Golf Cart, Kayaks/SUP

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Gulf front! Right on the Beach! Dog friendly!

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BEACHFRONT CONDO. NOW OFFERING GREAT SPRINGTIME RATES!

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BEACHFRONT-6 Bedroom/5 Bathroom House with Rooftop Deck

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Large Vacation Home with private Lazy River and Outdoor Kitchen

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Turtleback Beach House | Beachfront

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Fully Renovated Indian Rocks Beach Getaway

Rates from 0–36% APR. 0% APR valid from 5/1-5/14. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: www.affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see www.affirm.com/licenses

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Book now, pay later

Vacation financing through Affirm is available for U.S. stays with a total rent of at least $250. Select "Pay later with Affirm"* at checkout.

How Affirm works

See if you’re eligible by providing some basic information. You’ll get a real-time decision (and your credit score won’t be affected).

Know exactly what you’ll owe before you commit. No hidden costs, no surprises.

Choose to pay in installments over 3, 6, 12, or 18 months*—even after the date of your trip.

Your trip, your way

When you finance your vacation with Affirm, your payment schedule is just one of the things you won't have to worry about.

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Affirm travel FAQ

Who is eligible to apply for affirm financing on a vacasa stay.

While Affirm requires you to be at least 18 years old, you must be at least 21 to book a Vacasa home. (Some of our homes and destinations require a higher minimum age to rent the property—you'll see that specified on the property listing, if applicable.)

You must also be a U.S. resident booking a home within the U.S.

Does Affirm do a credit check, and how does it impact my credit score?

If you choose to pay with Affirm, we ask for some basic personal information to see if you're eligible. You'll get a real-time decision on whether you prequalify for a vacation loan. This process includes a quick credit check—but it does not affect your credit score.

How do I make my payments?

After you complete your Vacasa trip purchase, look out for an email directly from Affirm about your vacation payment plan. You can make secure payments on Affirm's website, or through their app. Visit Affirm's help center for more details on making loan payments.

Can I amend my order after my purchase has been processed?

If you need to adjust your reservation after purchase, you can do so in your Trip Manager . For any changes that come with additional fees (such as adding pets or pool heat), you'll need to pay for those with a credit card. Those charges cannot be added to your existing loan through Affirm.

And, if you end up needing to change dates or cancel your reservation, good news—trips paid for with Affirm still fall under our worry-free booking policy . You'll also see your change and cancellation options in your Trip Manager.

Can you make payments on a trip to Hawaii?

Yes, you can. We offer vacation payment plans through Affirm on U.S. stays, including those in Hawaii (as long as the rent totals at least $250).

Where to next?

Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check 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.

The 10 Best Payment Plans for Vacations

Vacations are a time to have fun, sit back, and relax. It’s a great way to let off steam that comes with the monotony of life. The only possible drawback I can think of? The meticulous planning and finances. 

The good thing is, there’s an alternative. The “Book Now Pay Later” vacation payment plans option is increasingly becoming popular and for good reason! 

Imagine this scenario: You need a vacation badly. You’re burnt out from working and the distinction between your work and private life has disappeared, but you don’t have enough in savings to fund your vacay. Should you wave that badly needed vacation goodbye? 

Not quite. This is where payment plans come into play. Payment plan offers range from interest-free policies to low down payments and easy monthly installments. 

Even if you can’t afford a vacation right now, you can still take the leap. Your dream of exploring the City of Light? Vacationing in the Maldives? Payment plans put them all within reach. 

The benefits of using payment plans for vacation packages abound. With so many options in the tour and travel market, it can get a little overwhelming. Don’t fear, this article has you covered. 

Top Vacation Payment Plans

1. expedia .

With their Uplift payment program , you can book a trip today and set easy monthly instalments that fit your budget. You don’t have to pay an arm and a leg every month. These monthly payments can be tailored to your budget allowing you to travel before your loan is paid off in its entirety. Southwest are a particularly good choice if you are looking for all-inclusive vacations with hundreds of resorts to choose from.

• They have customizable monthly payments. 
• They offer an easy application process. 
• There are no charges in the monthly payments, no late fees, and no prepayment penalties. 
• Large range of all-inclusive vacations and resorts (including Mexico and Caribbean)
• Canceled flights are refunded as Southwest Airlines air credit which can be limiting. 
• Canceled land travel, tours, and accommodations are refunded in the form of travel credit from Southwest Vacations. 

3. Funjet (Best for All-Inclusive Packages)

Funjet has a great payment plan if you want to travel and save money at the same time. With a simple downpayment, you can secure the best deals at great rates. 

You’ll have to make your vacation reservation six weeks in advance with deposit options available at checkout. You can schedule a final payment or make multiple payments at zero interest. 

• Cancel any time for any reason. There are no pesky rebooking fees. 
• Reserve a vacation for as little as $50. 
• Reservations are subject to change. 
• Deposit options are not available if you’re traveling during a holiday. 

4. Luxury Escapes 

Luxury Escapes’ Latitude Financing Payment plan offers a 12-month interest-free period. You’ll pay monthly installments, but after the 12-month promotional period, you’ll be charged a pretty hefty 24.99% interest rate. 

Luxury Escapes offers flexible booking dates. That means you can book a limited-time deal for a certain property now and rebook it for a different date later. 

• They have a seven-day refund guarantee. 
• There are no hidden costs. 
• If your preferred date is unavailable, you can’t get a refund. Make sure to read the terms and conditions carefully. 

5. Contiki 

A small layaway deposit of $99 will lock in your travel dates. Contiki accepts Visa, Mastercard, and American Express. They can accommodate all types of installment plans : weekly, monthly, two payments of 50% each – you name it, you got it. You just have to make the entire payment 45 days before departure. That’s it. 

• There are no interest charges and no fees. 
• They offer flexible payment plans. 
• The Freedom Guarantee ensures you can reschedule travel dates, swap the tour type, or choose a different region to travel in altogether. You can avoid cancellation fees with this feature. 
• Cancellation fees as high as 50% if cancellation is done within one to seven days before departure and 100% if done on the day of departure. 

6. United Vacations (Best for Layaway Vacation Packages)

With United Vacations, you can finance your trip through Uplift . United have a layaway vacation option which allows you to lay down an initial $250 deposit and pay the rest at least 45 days before the departure date. The best part? You can use multiple credit cards to fund your trip.

• If you get the vacation protection package, you won’t have to deal with cancellation fees. You have the flexibility to change or cancel the plan as needed. 
• You can book your entire trip through United Vacations from hotels, flights, car rentals to resorts, airport transfers, and excursion experiences. 
• Airfare is non-refundable. If your flight was canceled, they’ll give you credit you can use within a year as long as your tickets were booked through American Airlines. If not, policies vary from carrier to carrier. 

7. JetBlue Vacations 

JetBlue’s annual percentage rate ranges from a huge 10.99% to 25.99% for a loan term of 12 to 18 months. Their partnership with MarcusPay enables them to offer top-tier package getaways. 

If you want lower rates and longer terms, you’ll need to have excellent credit scores. Additionally, rates are generally higher for longer-term loans. 

• They don’t require a deposit upfront. 
• If you find the same package for a cheaper price within 24 hours of booking, they’ll match it and refund the difference. 
• JetBlue Vacation charges a $200 cancellation fee per person plus additional penalties charged by the hotels. 

8. G Adventures 

Deposits for layaway vacations start at $250. If you’re unsure about a specific tour but don’t want to let the opportunity pass you by, they have a “holding an option” tool that lets you reserve a spot for 48 hours without paying a pretty penny. 

The best part? If you ever have to cancel a trip, change it, or push it back, you’re not forced to use it within a year or two. It’s good for life. You can pay the full balance close to your departure date. 

• They have small groups per trip. This helps you form a closer connection to the places and people you visit on your travels. 
• They offer lifetime deposits. 
• “Optional” activities cost you an additional fee if you decide to purchase. If you don’t want to factor in any additional costs to your budget, you can pass on these. 
• Depending on the trip, guides can be a hit or miss. 

9. Intrepid Travel 

Intrepid Travel provides exemplary flexibility in changing travel plans. There are no change fees as long as you notify them about the changes at least 21 days in advance. You have the flexibility to choose an entirely new trip or pick new travel dates. 

You only need to secure your trip with a deposit and you can pay the rest in installments whenever you like. Just make sure you’ve paid for the trip in full at least 21 days before you’re scheduled to depart. 

• There are no interest and rebooking fees. 
• You can hold your trip for up to 5 days without paying a deposit. 
• If you’re traveling solo, you’ll have to pay a mandatory single supplement fee for certain trip types. 

10. Priceline 

Priceline.com comes through with terrific ways to save on travel. As long as you know how to look for deals, you’ll hit pay dirt.  

Check out Priceline’s Express Deal which can save you anywhere between 10% to 40% off flights. The catch? You don’t know what time your flights will depart. It can be a red-eye for all you know. 

• Priceline offers significantly lower prices. 
• You can place bids for a lower price. If you get it, it’s a win. If you don’t, you lose nothing. 
• Once the fee is charged, you don’t get a refund if you change your mind. 
• You can’t reserve a room for more than 2 people. 

Most popular destinations for vacation payment plans

If you are looking for inspiration for your next vacation then we’ve chosen 5 of the most popular destinations which are available to finance with installments.

Bonus Trip – Disney World Payment Plan

If you’re looking for family vacation payment plans then one of the best is the Disney World payment plan , we’ve written about it before and it’s a great choice if you have kids. Family vacations can be expensive and instalments are a great way to spread the cost. With Disney you can book your vacation and choose how often you want to pay. The payment plans are extremely flexible allowing you to look forward to your next family vacation without the stress of a huge amount leaving your bank account.

Wrapping It All Up 

Payment plans for vacations are probably the best thing for people who don’t mind taking a chance and are flexible in their travel itineraries. With plans offering 0% interest rates and easy installments, who wouldn’t want to travel the world? 

Before you settle on a payment plan, read the fine print. There are multiple “book now, pay later” options available on the market, but some have better deals than others. Always explore your options and take your time in making a decision. Most, if not all travel plans, are non-refundable. Click wisely. 

Can you use Afterpay for vacations?

Yes. You can currently use Afterypay for hotels and accommodations via the website Agoda.com. Agoda is a reputable travel company and is part of the Priceline group.

Can you use Affirm for travel?

Yes. There are multiple travel companies which accept Affirm at checkout. These companies currently include Expedia, Priceline, Delta Vacations and CheapOair.

Can you finance vacations with Klarna?

Yes. It is possible to book vacations with Klarna using their ‘Pay in 4’ option which allows you to split your vacation payments into 4 payments using the Klarna app.

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$150 per person, travel protection plan.

OUR FLEXIBLE PAYMENT PLAN

Flexible payment plan, at all inclusive outlet, we offer flexible payment options to ensure a stress-free shopping experience, you can book the trip of your dreams for a deposit as low as $50.00 per person* and make additional payments anytime that you wish, provided that you’ve paid in full 60 days before you travel., how it works:.

• The minimum payment required to secure your spot will show up at checkout when booking online or you can also pay over the phone if you’re working directly with one of our Travel Specialists.
• You can make follow-up payments in any amounts, using any credit or debit cards, at any time you wish! There are no auto-payment options as we don’t store credit card details for security purposes.
• From your online customer account, you’ll be able to make follow-up payments as well as view your remaining balance and payment history.
• You can choose to make small payments leading up to the final due date, or simply pay off the balance at one time.
• There are no additional fees or interest added for not paying in full as long as the required deposit amount is paid at time of booking, and the final payment is made by the due date.
• After making full payment, you’ll receive your travel documents!

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Should You Use Buy Now, Pay Later for Travel?

B uy now, pay later financing options offer a flexible alternative to traditional payment methods when you make a purchase – including travel purchases. Whether traveling for family obligations or jetting off on a fabulous vacation, BNPL may offer the option to book travel without making a full upfront payment. But while BNPL can offer flexibility, it isn’t without risk.

Read on to understand the benefits, drawbacks and factors you should consider before using BNPL to book travel.

What Is Buy Now, Pay Later?

BNPL is an alternative to credit cards and loans . It’s popular for travel expenses such as flights, hotels and vacation packages. BNPL can offer convenience and flexibility, particularly for costly trips that might be difficult to pay upfront, but you should exercise caution.

“Participating online and in-person retailers offer (BNPL) at checkout,” says Rod Griffin, senior director of public education and advocacy for credit bureau Experian. “You can think of BNPL similar to a layaway plan, where you pay a merchant for a purchase over time rather than immediately upfront. Unlike a layaway, though, with BNPL, you get your items right away.“

Using BNPL, you can make a purchase and spread your expense into installment payments . That allows you to buy products or services – such as travel – immediately without making a full payment. BNPL is often interest-free as long as you stay on top of installment payments.

How Buy Now, Pay Later Services Work

BNPL services are typically available at checkout when you book travel. For example, you might see the option to use BNPL when you book a flight instead of entering a credit card number .

At checkout, the BNPL service will provide loan information, including the number of payments, how much you’ll pay and your interest rate , if there is one. Some BNPL services use a credit check, but BNPL often doesn’t require a hard credit check unless you opt for extended terms or make a particularly large purchase.

You’ll make the first payment if approved, and your travel will be booked. The remaining balance will be split into equal installments. If you’ve opted for auto-pay, the installment amounts will be automatically charged to your payment method when each payment comes due.

Factors to Consider Before Opting for Buy Now, Pay Later

Before you opt for BNPL, plan how you’ll make your payments. While BNPL can make paying for travel easier, installment payments could pressure other financial obligations. Can your budget handle the installment payments along with other commitments?

“The first thing to ask yourself is can you pay back the loan on time and in full?” says personal finance and travel expert Barry Choi. “Next, you should be aware that BNPL may encourage you to spend more because the entire balance isn't due right away.”

Some BNPL services offer interest-free installment plans, but you may have to pay interest or fees if you miss a payment.

“BNPL plans have widely varying payment structures, so it's important to read the terms carefully,” says Griffin. “Treat them like you would any loan agreement and look for information on payment terms, potential interest and late fees, and whether those payments or fees will be reported to the national credit reporting companies like Experian.”

Interest-Free Buy Now, Pay Later Installment Plans

An interest-free BNPL plan allows you to split your purchase into equal installments with no interest charges. BNPL installment plans may have no credit check . That can give you an alternative if you’re worried about getting approved for a credit card or loan to finance a travel purchase.

But there’s a catch: The repayment terms are often very short – for example, a down payment and three biweekly payments. Also, you might pay fees if it takes longer to repay the loan or if you miss a payment.

For example, you might be offered four interest-free payments, but if you opt to pay over six, 12 or 24 months instead, you’ll pay interest. It’s key to read the terms and conditions before signing the dotted line. And if you miss a scheduled installment payment, you should expect a late payment fee. You might also have to pay interest.

Benefits and Drawbacks of Buy Now, Pay Later for Travel Expenses

• Payment flexibility: You can spread out travel costs in installments so it’s easier on your budget.
• Interest-free options: You may have the option of getting an interest-free installment plan.
• Quick approvals: BNPL applications and approvals are generally fast, so you can get approved and book your trip.

“The main benefit of BNPL is that you can pay for your purchases over time without potentially paying interest,” says Choi. “This can help people who are facing a temporary cash flow crunch.”

• Late fees and interest: If you miss a payment or extend the installment period, you might have to pay late fees or interest.
• Credit impact: Missing a payment or defaulting on BNPL could negatively impact your credit score if the account goes to collections. But BNPL generally doesn’t help you build credit as traditional credit cards or loans can.
• Overspending risk: Breaking payments into smaller installments might make you feel that you can afford to spend more than you can handle.

“Generally, consumers are better off avoiding BNPL services since it may encourage them to spend more or buy things they don't need,” says Choi. “That said, BNPL can be helpful in some situations. For example, you need to purchase something immediately for an emergency and don't have a credit card.”

Alternatives to Buy Now, Pay Later

• Savings: Setting aside money in a travel fund enables you to pay for your trip without using credit.
• Rewards credit cards : You could pay for travel with points and miles earned with a rewards credit card.
• Personal loans : If you have good credit, a personal loan might offer better terms than BNPL.
• Delaying purchases: If you can’t afford travel without debt, hold off until it’s in your budget.

“To responsibly use BNPL services, you should be prepared to make all your payments on time to avoid fees, keep enough funds in your bank to avoid overdraft payments and assess the cost of the purchase and your overall budget to avoid overextending,” says Griffin. “It can be very easy to take on multiple BNPL accounts. You can quickly find yourself with more debt than you realized you were taking on and difficulty repaying the debts you owe.“

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