pay over time travel

Uplift is the leader in Buy Now, Pay Later for travel .

When you pay monthly for a flight, a cruise, a hotel, or vacation package – you’re giving yourself the freedom to travel farther and explore more enjoyably. Millions of consumers choose Buy Now, Pay Later options for vacation and travel so that they can say “yes” to all those bucket-list items and pay over time.

Paying monthly with Uplift helps you avoid late fees or annual fees you may incur using a credit card. Not to mention you’ll never have to worry about prepayment penalties, debt traps, or compound interest using Uplift.

Whether you’re traveling for work, to visit family or friends, or simply taking that trip you’ve always been dreaming of, using Uplift to pay for flights in installments or spread the cost of your hotel into monthly payments is the perfect option.

Unlike other Buy Now, Pay Later companies, Uplift’s Customer Service Squad is available 24/7 and provides unparalleled service from purchase to final payment.

A few of our partners:

Uplift knows just how much thought, care, and planning goes into creating the most memorable experiences. Lump-sum costs shouldn’t hold you back from booking.

When it comes to paying monthly for your vacation purchases, rest easy knowing that Uplift is the original Buy Now, Pay Later for travel.

Take a look at what our valued travelers have been saying lately.

My daughter just moved from CA to TX and was not able to come home for Thanksgiving. I thought I would surprise her with a visit from myself, her brother and his wife. She will be very happy.

So excited this will be my first trip to Las Vegas an I can take it off my bucket list thanks to Uplift.

Was a great option to pre-book flights without having to pay the entire amount! We travel with a family of 5 so everything is always expensive!

Need more answers to your questions about Uplift? Start here.

Why choose Uplift?

Uplift gives you the freedom to purchase what you want now and pay with fixed monthly payments. Uplift is often a better alternative to credit cards because Uplift charges only simple interest while some credit cards charge interest on interest. Uplift also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.

What kind of products and services can I purchase using Uplift?

Uplift can be used to purchase a wide range of products and services from our travel partners and retailers. Click here to see a full list of our current partners who offer Uplift. Click here to see a full list of our current partners who offer Uplift.

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What is the advantage of using Uplift vs a credit card?

While some credit cards charge interest on interest, Uplift charges only simple interest. If you carry a balance on a credit card, it can be hard to understand what it will cost you. With Uplift, the cost is clear at the time of purchase, with simple interest, predictable payments, and no fees.

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• Travel Tips

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%.

$400 instant savings at select resorts. Book now.

$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).

Have questions?

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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Vacation payment plans 

Jet off on your dream 2024 getaway with vacation payment plans by Expedia Affirm. From relaxing beach escapes to European city breaks, your next adventure is more affordable than you think thanks to Expedia’s book now, pay later vacations. Instead of paying the entire trip cost up front, pay-later travel deal lets you make monthly payments towards your adventure whether it’s in 2024 or 2025. Expedia Affirm gives you the option to spread the cost over 3, 6, or 12 months, with no hidden fees. This means you can bag the best travel deals with monthly vacation payment plans. 

Wondering where to take your kids for a summer break in the sun? Choose from a vast array of family vacation packages with payment plans. Your kids could soon be swimming with dolphins in Cancun or riding rollercoasters in Florida’s theme parks. If it’s a romantic retreat you’re seeking, whisk your partner away to an adults-only resort by the beach. You’ll encounter a plethora of all-inclusive vacations with payment plans to hot destinations, including the Caribbean and the Maldives. Play around with the easy-to-use search wizard to view a wide range of book now, pay later vacations. Simply select “Monthly payments” at checkout to book your pay-later travel deal. 

Worried your 2024 plans may change? No problem. Expedia Affirm lets you cancel or modify your booking at no extra cost. You’ll encounter epic vacation payment plans with flexible booking conditions for a vast array of accommodation, car rental, and travel packages. Read on for ideas and inspiration, with everything from romantic weekend getaways to all-inclusive vacations with payment plans. 

Book now, pay later vacations

1. choose your dream expedia vacation.

Take your pick from hundreds of book now, pay later vacation packages. Need inspiration for 2024? Scroll down and you’ll encounter plenty of ideas for relaxing vacations with payment plans, including short getaways and international adventures. If you’ve got somewhere in mind, tap your dates and destination into the search wizard to compare the best pay-later travel deals.

2. Select the plan that works for you

Ready to snatch up one of Expedia’s book now, pay later vacations? Then click “Monthly payments” at checkout, “Continue to Affirm”, and enter a few pieces of information. It’ll give you an instant, real-time decision and display the vacation payment plans available. Pick the one that suits you best and you’re all set – your dream escape is booked.

3. Make simple and easy payments

Once you’ve reserved one of Expedia’s book now, pay later vacation packages, create your account to set up monthly payments. You can do so through the Affirm website or by downloading the app. Whichever option you choose, you can set up automatic payments in a few quick and easy steps.

Why book now, pay later with Expedia?

Whether it’s catching a tan in the Caribbean or soaking up the culture in Europe, you can now jet off on the adventure you’ve been dreaming of for years. With a vast array of destinations and vacation types available, Expedia Affirm makes travel more affordable than ever. Here are just some of the benefits of booking Expedia’s buy now, pay later vacations. 

waiting until pay day to score the best discounts.

Frequently asked questions about payment plans to book now, pay later on Expedia

Can i pay monthly for my vacation with expedia.

Yes, you can pay monthly for your vacation with Expedia Affirm vacation payment plans. Simply choose your dream travel package and select “Monthly payments” at checkout. You’ll have the option to spread the cost over 3, 6, or 12 months, giving you financial flexibility when planning your dream getaway. These pay-later travel deals include all-inclusive escapes, family breaks, weekend getaways, and more. Thanks to Expedia’s vacation payment plans, you can now jet off on the adventure you’ve been dreaming of for years.

How to use Affirm on Expedia and where can I find this payment option?

To take advantage of Affirm’s vacation payment plans, choose your travel package and select “Monthly payments” at checkout. Click “Continue to Affirm”, enter your details, and you’ll get an instant, real-time decision. It’ll then display the final cost for spreading the cost over 3, 6, or 12 months. Choose the plan that’s right for you and you’re all set. You can then log in to Affirm or download the app to set up automatic payments.

How do I use Afterpay on Expedia?

Affirm is Expedia’s trusted partner for pay-later travel. Book with Expedia Affirm to spread the cost over 3, 6, or 12 monthly payments with simple interest and no hidden fees. You can even set up automatic payments on Affirm’s website or through the app. Expedia’s vacation payment plans are available on a vast array of packages, accommodation, and car rentals.

Is there a credit check when paying with a payment plan?

Yes, there is a credit check to see if you qualify for Expedia Affirm’s vacation payment plans. The good news is this pre-check will have no impact on your credit score. It’s quick and easy to perform, and you’ll get a real-time decision instantly. All you need to do is enter a few brief details to do the check.

Can I book all-inclusive vacations with payment plans?

With Expedia Affirm, you can book a vast array of all-inclusive vacations with payment plans. Choose to split the total cost of your escape into 3, 6, or 12 monthly installments. If you’re open to ideas and need inspiration, check out Expedia’s all-inclusive vacation packages to view some of the most popular deals. If you know where you’d like to jet off to, tap your dates and destination into the search wizard. Select the “All-inclusive” filter under “Meal plans available” to view hundreds of the best vacations with payment installments. Whether you’re craving white-sand beaches in the Bahamas or the tropical shores of Hawaii, your next getaway is more affordable than you think. 

Can I book family vacation packages with payment plans?

You can book a wide range of family vacation packages with payment plans thanks to Expedia Affirm. Once you’ve found your perfect 2024 escape, click the “Monthly payment” tab at checkout and follow the quick and easy steps. You’ll have the option to pay in 3, 6, or 12 monthly installments with simple interest and no hidden fees. Take a peek at Expedia’s family vacations for ideas and inspiration. If you’ve got somewhere in mind already, enter your dates and destination into the search wizard to view hundreds of the best pay-later travel deals. From Florida’s exhilarating theme parks to the Dominican Republic’s fun-filled kid-friendly resorts, your family adventure is just a few clicks away. 

What are the benefits of vacation payment plans?

Expedia’s book now, pay later vacations mean you can jet off on the dream trip you wouldn’t otherwise be able to afford in 2024. From romantic sunsets on Jamaica’s beaches to the elegant streets of Paris, the world is more accessible with Expedia Affirm. You’ll have the option to pay in 3, 6, or 12 monthly installments, and you’ll see the total cost up front. There are no hidden fees or late payment fees either, so you can rest assured that what you see is what you pay. Automatic payments are easy to set up and make for a hassle-free booking. Many of Expedia’s vacation packages even allow you to modify or cancel your trip at no extra cost, giving you peace of mind in case your 2024 plans change. As you no longer have to pay up front, you can nab the best travel deals before they’re gone – no need to save up or wait until payday.

How can I find great deals on vacation packages with payment plans?

If you’re keen to score the best deals on book now, pay later vacations in 2024, it’s a good idea to be flexible with your dates. You may find cheaper vacations on different days. For travel during peak season dates, be sure to book early to nab the best prices and your first choice of hotels – accommodation can fill up during busier months. If you plan to get away in low season, you may score a great deal for a last-minute escape. Another way to score great travel discounts is to take advantage of special offers, discounts, and promotions.

Are there any additional fees or interest charges for pay monthly vacations?

You’ll be pleased to know there are no hidden fees with Expedia Affirm’s monthly payment vacation plans. What you see is what you’ll pay. Before you confirm, you’ll be able to view the total cost of your book now, pay later vacation package. While most credit cards charge compound interest that’s complicated to work out, with Affirm you’ll pay simple interest on your monthly installments. Best of all, there are no late payment fees or just-because fees. Expedia Affirm’s simple and transparent pricing make booking your dream 2024 escape a breeze.

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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 and are provided by these lending partners: 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 affirm.com/licenses .

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 .

California consumers have the right to opt out of the sale * of their personal information. For more information on how we securely process personal information, please see our Privacy Policy .

Do not sell my info ON

* The definition of "sale" under the California Consumer Privacy Act is applicable only to California consumers.

Pay for your flight with Uplift

Feel good about where you fly and how you pay for it. With Uplift, you can book your trip now and pay for it over time with budget-friendly monthly payments.

Low monthly payments

Budget-friendly loan options.

Easy application

Receive a quick decision.

No surprises

That means no late fees, no prepayment penalties.

Automatic payments

So you don't have to remember due dates either.

How Uplift works

Step 1: Select Uplift at checkout

Shop for your trip on our website or app like you normally do and select Uplift as your payment method at checkout.

Step 2: Complete a quick application

Provide a few pieces of information and receive a quick decision without ever leaving the payment page.

Step 3: Enjoy your trip

Relax knowing you can travel now and pay for it over time with low monthly payments.

Frequently asked questions

What is uplift.

Uplift gives you the freedom to purchase travel now and pay over time with simple monthly payments. Some plans include interest while some are interest-free.

How do I apply?

Shop for your flights like you normally would. Then, select Uplift as your payment method at checkout. You’ll complete a short application and receive a quick decision letting you know if you’ve been approved. You can choose the terms of your plan before you complete checkout and enjoy your trip.

How is my loan term offer determined?

Uplift looks 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 selecting the “Loans” tab. From there, select the "Make a Payment" button.

Uplift recommends you enable AutoPay at the time of purchase so your payments are automatically deducted from your bank account each month. You can enable AutoPay on the "Accounts" page on pay.uplift.com. You can also update your payment method here at any time.

Can I travel before paying off my trip with Uplift?

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

Where can I find Uplift’s Privacy Policy and Terms of Use?

Here is the Privacy Policy and Terms of Use for Uplift.

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%. Not everyone is eligible. Loans made through Uplift are offered by their lending partners . Privacy Policy and Terms of Use . Uplift’s address: 440 N Wolfe Road, Sunnyvale, CA 94085

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Enjoy now. Pay over time.

Spread the cost of your trip over low monthly payments.

Experience Buyer's Joy Feel good about what you book and how you pay for it. With Uplift, you can make thoughtful purchases and pay for them in bite-sized installments while keeping yourself on a budget.

Low monthly payments Budget-friendly loan options

Easy application Quick decision

Surprise-free No late fees or prepayment penalties

Easy AutoPay No payment dates to remember

• Select Uplift at checkout Add purchases to your cart just like you normally would. When you are ready to check out, choose Uplift as your form of payment.
• Quick & easy Provide a few pieces of information and receive a quick decision.
• Enjoy now Enjoy your trip now and pay for it over time with low monthly installments.

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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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Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

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Find the best credit card for you

'buy now, pay later' can help fund your next trip but here's what you need to know about these loans, select walks you through what you need to know if you're considering a point-of-sale loan to finance your next trip.

With summer in full swing, and many countries easing travel restrictions, you might be eager to plan a post-pandemic trip. Even if you managed to save some money ahead of time, travel expenses can quickly add up, and you might be tempted to choose the 'buy now, pay later' option that's offered at checkout on many travel websites, including Carnival or Expedia.

These point-of-sale loans are seductive to consumers who don't want to pay for their post-pandemic vacations with one lump-sum payment, allowing people to make payments over a fixed period of time, sometimes without high interest rates.

But is using the 'buy now, pay later' option to pay for your flights or hotel stays too good to be true?

Select explores some of the benefits and drawbacks of using 'buy now, pay later' for travel.

What are point-of-sale loans?

How do point-of-sale loans work, should you use point-of-sale loans for travel, bottom line.

'Buy now, pay later' providers (also known as point-of-sale loans) offer consumers the option to sign up for a payment plan either when they're buying something on a retailer's website or directly through the loan provider's website ahead of purchase

Point-of-sale loans give consumers the ability to make installment payments over a fixed period of time until they completely pay off their purchase. This means that you'll make payments toward your purchases bi-monthly or monthly depending on the plan and/ or provider.

These payments can typically be automated by providing your debit card or bank account information. While many providers boast 0% interest rates, some point-of-sale loans can have interest rates upwards of 30%, higher than the APRs on many credit cards.

Some of the most popular providers are Afterpay , Affirm , Klarna and Uplift . Klarna offers point-of-sale loans, some with 0% APR, that allow you to make four payments every two weeks and require a deposit at checkout, while Afterpay allows you to pay over six weeks. Afterpay, Uplift, Klarna and Affirm also offer consumers longer payment periods of up to one, two or even three years.

When you purchase a flight or an item, you're given different financing options at checkout, such as the opportunity to pay with a credit card, gift card or point-of-sale loan . You'll be redirected to the POS provider website where you can enter your personal information. 

Some companies won't perform a credit check while others will perform either a soft or hard credit inquiry . Soft credit checks don't negatively impact your credit score , but hard inquiries will temporarily decrease your score. Based on the information you enter, you'll either be approved or denied for the loan.

Afterpay doesn't do any credit checks while Klarna does soft and hard credit checks, depending on the loan.

The impact a point-of-sale one has on your credit score depends on whether the provider reports your payment history to the credit bureaus . For example, Affirm only reports your credit history to Experian for some loans and not others. For the loans that Affirm does report to Experian, your payment history, the length of your credit history with Affirm, the amount of your loan and your late payments can all show up on your credit report.

Make sure to read the terms and conditions of your POS loan to see if your negative payment history is reported to the credit bureaus.

Travel expenses might seem like the perfect opportunity to use a point-of-sale loan because it's oftentimes a big purchase that you might not have the immediate cash on hand to cover.

Klarna, Afterpay, Affirm and Uplift all offer 'buy now, pay later' option for certain travel partners. Affirm has partnerships with Delta Vacations, Priceline, StubHub and Alternative Airlines, a flight booking website. Uplift is exclusively focused on providing point-of-sale loans for travel, with around 200 travel partners , including United Airlines, Kayak , Southwest Airlines and Royal Caribbean. 

Uplift will help you cover transactions costing anywhere from $100 to $25,000. Interest rates range from 7% to 30%, but there are a few travel partners such as Carnival Cruise Line and Atlantis that have a 0% APR, according to Tom Botts, chief commercial officer at Uplift. The average APR for an Uplift point-of-sale loan is 15%, which is similar to the average APR for credit cards .

"We use a variety of factors to determine eligibility," Botts says. "Interest rates are based on a number of factors including credit history, transaction amount and time to travel."

Uplift also only performs a soft credit check which won't negatively impact your credit score.

If you're able to secure a loan with 0% APR and make your payments on time, a point-of-sale loan could be a good choice for funding a trip. But if those monthly payments won't easily fit within your budget, be wary of a POS loan and read the fine print beforehand to determine how much you'll end up paying in interest.

For example, if you use Affirm to finance your purchases on Alternative Airlines , you can only get a 0% APR on your point-of-sale loan if you buy a flight that costs less than $500. If your ticket costs more than $500 , you could incur an interest rate of up to 30%, depending on your creditworthiness.

If you spend $1,000 on a flight and choose a 12-month payment plan with Affirm, you'll have to cough up nearly $100 in interest if you have a 20% APR on your loan. One perk of using Affirm over a credit card is that you'll have a longer payment period (of 3, 6, 12 or 18 months) which helps to spread the expenses over time into more manageable payments. And with an installment loan from Affirm or Uplift, the interest doesn't compound month over month, so your payment stays the same over the loan's term.

But a big drawback of using point-of-sale loans for travel is having to deal with unexpected problems, like trip cancellations or delays, says Priya Malani, the CEO and founder of Stash Wealth.

"If a trip is canceled or delayed with unexpected fees, your loan is still due. You're on the hook for the agreed upon total. Even though you may have checked out in one fluid process, you're still working with two separate entities — the travel provider and the POS loan provider," Malani says.

When it comes to funding your resort stay in Cancun or your flight to the Maldives, there are other options for financing your trip.

Travel rewards credit cards offer higher rewards rates for money spent on travel and the points you earn can go toward booking flights or hotels. While travel credit cards typically come with an annual fee, some offer a 0% introductory period, so you won't have to worry about high interest rates kicking in for 12 months or longer. If you go the 0% APR route, make sure you set up a repayment plan and pay the minimum each month so you don't end up paying late fees or big interest charges.

The Chase Sapphire Preferred® Card is currently offering a welcome bonus offer where new cardholders can earn 60,000 points after they spend $4,000 on purchases in the first three months from account opening. Points can be redeemed for $750 worth of travel when booked through Chase Travel℠.

Chase Sapphire Preferred® Card

Enjoy benefits such as 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, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

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℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) is also a solid choice but comes with a smaller welcome bonus and higher rewards rate than the Preferred, giving 2X miles per dollar on every purchase and a welcome offer of 75,000 bonus miles if you spend $4,000 within three months of account opening.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees . Terms apply.

Travel cards also often come with additional perks such as car rental insurance, trip cancellation insurance and purchase protection. You won't get any of these perks when you use a POS loan for travel.

If you worry about putting a big expense on your credit card or you're only eligible for a POS loan with high APR, you should also consider creating a travel fund instead.

By saving your money in a high-yield savings account , you'll be earning more (thanks to compound interest ) than you would be if you put your money in either a checking account or a traditional savings account. Creating a separate fund for travel can also give you a money goal to strive for and setting up automatic monthly transfers can help you avoid spending money on other short-term, more frivolous purchases.

Point-of-sale loans are attractive because of how easy they are to use — you simply provide some basic information about yourself to the loan provider before checking out and you can instantaneously get a loan that will allow you to spread the cost of your trip over a few months. If you're not diligent about reading the fine print, however, there can be a lot of caveats to using the 'buy now, pay later' option, including high interest rates and late fees.

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Travel now. Pay over time.*

Through Uplift, you can book your trip today and make easy monthly payments that fit nicely within your budget. It's a fast and easy way to turn your ideal vacation into reality. Plus, you can travel before your loan is paid off.

With Uplift Pay Monthly you get:

Great rates

Affordable plans

Pay off your vacation with convenient monthly payments. To keep things simple, Uplift can automatically process your payments and notify you with a convenient email and text.

Quick and easy application

Simply select Pay Monthly at checkout, complete a short application, and you’ll receive a quick decision.

No surprises

Make the same fixed payment each month with no late fees and no prepayment penalties.

Questions? Visit the Uplift  FAQ page .

*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%. Not everyone is eligible. Loans made through Uplift are offered by these lending partners: uplift.com/lenders . Privacy Policy . Terms of Use . Uplift’s Address: 440 N. Wolfe Road Sunnyvale, CA 94085

Book a flight for only a fraction upfront

Purchase your flight in installments before your departure date.

Elisa Ticket $1,100.00 Purchased @ $407.00 upfront

Jessica Ticket $820.00 Purchased @ $303.40 upfront

Patrick & Sarah Ticket $1,500.00 Purchased @ $555.00 upfront

Los Angeles

Dan Ticket $402.00 Purchased @ $148.74 upfront

How it works

The easy and convenient way to lift off

Submit your ticket

Find a flight from your favorite travel site, take and upload a screenshot of your flight details.

Book your flight for a fraction of the cost upfront and pay the remaining balance in installments before your departure date.

Receive e-ticket

Receive your e-ticket after your last payment. Pack light.

Why people love us

Price protection.

Book with us and we'll secure your airfare in advance when prices are cheaper. Protect yourself from price hikes no one likes.

No hidden fees. No credit checks

Pay a one time service fee for each booking. No credit checks. We don't believe your credit score is the best representation of you.

Flexible and guaranteed

Now you have the option to not pay the full cost upfront for your ticket. With Airfordable you pay for your flight for a fraction upfront and the rest in installments before you travel. You will receive your e-ticket once the final payment is made. No gimmicks. No hassle.

Safe, secure and guaranteed

Every interaction with Airfordable uses bank-level security and encryption. Sensitive data is safe with Airfordable.

Amazing community

Our travelers are diverse and smart spenders looking for creative ways to travel. Airfordable is the bond that brings them together.

In good hands

Airfordable is a humane technology company whose sole mission is to help you travel more, but in an easy and financially responsible way.

Join the AF community

Over 10,000 travelers look to Airfordable for traveling in a responsible and systematic way

Elaine Jane Abesames

I'm really happy to have found Airfordable! They offer flexible installments which I love! It's truly a dream come true! Thank you for helping me book my dream vacation to the Bahamas!!!

I was able to book a flight to Madrid, Spain for me and my girlfriend this summer through Airfordable. Being that this is my first Euro trip, I'm super excited.

Autumn Dowis

I chose to book with Airfordable because it was simple, quick, easy, and affordable of course! As a full-time college student who also works full-time, Airfordable helped to ease the burden of a large up-front payment.

Catrina Banks

I decided to utilize Airfordable, because it gave me the opportunity to lock in the price on plane tickets while making payments that was convenient for my family. This was the best decision that I could have made!!

Frequently asked questions

Below are a few questions you might be itching to ask. If you don’t find what you’re looking for, email us at [email protected]

What is Airfordable?

Airfordable allows you to book a flight for a fraction of the cost upfront and pay the remaining balance in installments before your departure date.

Does Airfordable check my credit?

No. You are so much more than your credit score, so we don’t turn you into a three digit number.

Do you charge a service fee?

Yes, we do. Airfordable charges a one-time service fee. Sign in and use the installment calculator to determine your fee.

What happens if the price changes after I book?

Our crystal ball hasn’t arrived yet. Until it does, we cannot predict any price changes. With Airfordable, you are paying to protect your airfare from increasing in price which can be a lot more costly than price drops.

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• Uplift: Book Now, Pay Over Time

Experience Buyers Joy

Feel good about what you book and how you pay for it. With Uplift, you can make thoughtful purchases and pay for them in bite-sized pieces while keeping yourself on budget

Low Monthly Payments

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Surprise-Free

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FAQ’s

Why uplift.

Uplift gives you the freedom to purchase what you want now and pay over time with fixed monthly payments. Uplift is often a better alternative to credit cards because Uplift charges only simple interest while credit cards charge interest on interest. Uplift also makes budgeting easy so you can manage your expenses over time rather than paying one large sum all at once.

What is the advantage of using Uplift vs a credit card?

Credit cards charge interest on interest, Uplift charges only simple interest. It’s hard to understand costs when using a credit card if the consumer is carrying a balance. Uplift finance costs are clear at the time of the purchase with no hidden fees or late payment penalties. Uplift makes it easy to budget and pay for a purchase over time rather than paying upfront and then carrying the full cost for an extended period.

I f I purchase a trip can I travel before it is paid off?

Yes! Goway will allow you to make your final payment with Uplift which is approximately 60 days prior to departure. Other than that, you are free to travel whenever – even before you’re all paid off.

If I cancel my travel plans what happens?

You’ll need to initiate any cancellations with the travel provider first. If the travel provider’s cancellation policy allows for a refund, we’ll update your account after the cancellation is fully processed. If you are not eligible for a refund from the travel provider, you are still responsible for the outstanding balance and your monthly payments remain the same until your balance is paid in full.

How do I receive the refund?

Once Goway cancels the trip, they will refund Uplift, this may take a few business days. If you receive a refund for more than the balance owed on your account, we will credit back all remaining funds to the method of payment used to make the initial payment. In the event that you no longer have that method of payment (e.g., you used a card that is no longer valid), we will work with you to issue an electronic refund through Zelle.

Does checking my rate impact my credit score?

US Residents: When you check your eligibility, a “soft” credit inquiry occurs to verify your identity and determine your eligibility for financing. A soft credit inquiry doesn’t affect your credit score. Uplift does not perform a hard credit inquiry.

Canadian Residents: When you check your eligibility a “soft” credit inquiry occurs to verify your identity and determine your eligibility. A soft credit inquiry doesn’t affect your credit score. However, when you submit an application, a hard credit inquiry will be placed, which may impact your credit score.

How are my loan term offers determined?

Uplift looks at a number of factors, including your credit information, purchase details, and more.

How is my interest/ APR determined?

APRs may range from 0% to 36% and are based on a number of factors including your consumer credit information, purchase details, current loan activity, and more.

How much can I take out on my uplift loan?

For US clients in US Dollars: Minimum $150 and Maximum of $25,000

For Canadian clients in Canadian Dollars: Minimum $300 and a maximum of $25,000

How long can I take to repay Uplift?

The system will offer term lengths from 3 months to 24 months at the time you agree to your payment plan.

US: Down payment may be required. Actual Ierms are based on your credit score and other factors and may vary. APRs range from 0% to 36%, Not everyone is eligible, Loans made through Uplift are offered by these lending partners: uplift.com/lenders . Privacy Policy , Terms of Use . Uplift's Address: 440 N, Wolfe Road Sunnyvale, CA 94085

CA: Down payment may be required. Actual terms are based on your credit score and other factors and may vary, APRs range from 0% to 31.99%, Not everyone is eligible. Applicants are subject to approval by Uplift Canada. Privacy Policy . Terms of Use . Uplift Canada Address: 410 Adelaide Street West, Suite 220, Toronto, Ontario M5V 1S8

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Travel Now, Pay Later

Pay for your trip over time with affirm..

So you’re ready to book your TrovaTrip, awesome. Now you’re probably wondering, “What are my payment options?” Good news, we’ve partnered with Affirm to help make travel more affordable—you can find out if you qualify to pay over time with Affirm at checkout. 

With Affirm, you’ll never owe more than you agree to upfront. You’ll always get a flexible, transparent and convenient way to pay over time. The trip loan process is easy, so let’s get you on your way to picking a payment plan if you meet the requirements.

Quick & Easy

No hidden fees, no late charges, just follow these 3 easy steps..

1. Select “Pay over time” at booking

2. Apply to get a real-time decision for your trip financing

3. Choose your loan term: 6, 12 or 18 months

Affirm provides consumers with a better alternative to traditional credit cards, giving them the flexibility to buy now and pay over time. Unlike payment options that have late fees, compounding interest and unexpected costs, Affirm shows customers up front exactly what they’ll pay—with no hidden fees and no surprises.

Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score.

Affirm isn't always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can't be changed and must be made upon confirming your loan and before the loan offer expires.

Yes! Affirm works hard to be completely transparent. You'll see the amount of interest you'll owe on the terms page and again on the loan confirmation page. No penalty for paying your loan off early!

TrovaTrip is unable to speak on behalf of Affirm about its credit decision. Affirm strives to offer all eligible applicants financing, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision.

Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future. Currently Affirm is not available for residents of Iowa (IA) or West Virginia (WV).

The annual percentage rate (APR) on an Affirm loan ranges from 10% to 30%. Affirm discloses any interest upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don't risk missing a payment.

Follow these steps to make a payment:

1. Go to   www.affirm.com/account . 2. Enter your mobile phone number. Affirm sends a personalized security PIN to your phone. 3. Enter this security PIN into the form on the next page and click Sign in. 4. After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make. 5. Make a payment using a debit card or ACH bank transfer.

1. Go to   www.affirm.com/account . 2. Enter your mobile phone number. Affirm sends a personalized security PIN to your phone. 3. Enter this security PIN into the form on the next page and click Sign in. 4. After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make. 5. Make a payment using a debit card or ACH bank transfer.

A refund posts to your Affirm account if we process your refund request. In the event that we issue you a trip credit instead of a refund, you are still responsible for paying off your Affirm loan. Please see helpcenter.affirm.com  for more details.

A refund posts to your Affirm account if we process your refund request. In the event that we issue you a trip credit instead of a refund, you are still responsible for paying off your Affirm loan. Please see helpcenter.affirm.com  for more details.

Affirm's Universal Disclosure:   Your rate will be 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners:  affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required.

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What is Travel Time Pay and How Does it Work?

• Written by: Rinaily Bonifacio
• Last updated: 25 April 2024

This article will clear up any confusion about what constitutes travel time pay, who’s eligible, and the rules that need to be followed.

Table of contents

What is travel time pay?

Who is eligible for travel time pay, what is the criteria for compensable travel time, how to calculate travel time pay.

Travel time pay is the compensation employees receive for the time they spend traveling outside of their normal work hours as part of their job. This isn’t about the routine commute from home to work.

Instead, it’s about situations where an employee might need to travel to different job sites or attend meetings away from their usual workplace. It’s essential for employers to know when this time counts as payable work hours.

Travel time pay vs. Meal time pay

Travel time pay and meal time pay are distinct forms of employee compensation regulated under U.S. labor laws, specifically the Fair Labor Standards Act (FLSA). Here's a concise overview of each:

Travel time pay

Purpose : Compensates employees for work-related travel not part of their regular commute.

Compensability : Includes travel during regular working hours and overnight travel that intersects with normal work hours.

Exclusions : Does not cover the regular commute between home and work or personal travel outside work hours.

Meal time pay

Purpose : Addresses compensation during meal breaks within work hours.

Compensability : Generally unpaid unless the employee is required to perform duties during the meal period.

Exclusions : Meal breaks are non-compensable if the employee is completely relieved of duties for typically 30 minutes or more.

Legal basis for travel time compensation

In the United States, the Fair Labor Standards Act (FLSA) sets the ground rules for travel time pay. This law requires that non-exempt employees — those who qualify for overtime and minimum wage — must be paid for all hours worked.

According to the FLSA, time spent traveling during regular working hours as part of the employee's main job activities should be compensated. This doesn’t include commuting from home to work, but it does cover travel from one job site to another during the day or travel to a location for a special one-time task.

Eligibility for travel time pay under U.S. labor laws is mostly about whether an employee is exempt or non-exempt from the wage and hour laws stipulated by the FLSA.

Non-exempt employees are entitled to overtime pay and must be paid for travel time that occurs during their regular working hours. This includes hourly employees who often move between different job sites or are sent on special assignments outside of their regular working environment .

Exempt employees, those who typically receive a salary and are exempt from overtime pay due to their job nature, might not be eligible for additional pay for travel time, depending on the specifics of their roles and hours.

Travel time is compensable when it involves tasks that an employee must perform as part of their work, or during the employee’s regular work hours. This can include travel to and from different job sites within the same workday or unexpected travel required to complete work-related tasks.

The main criteria is that the travel directly pertains to and is necessary for the job, occurring during the employee's regular working hours.

Eligible travel scenarios for compensation

Understanding which travel scenarios are eligible for compensation under U.S. labor laws is crucial for employers to ensure they are compliant and fair. Here are eight detailed scenarios where travel time is typically compensable:

1. Travel between job sites:

When an employee travels between multiple job sites during their regular work hours, this travel time is compensable. For example, an electrician traveling between different homes or commercial buildings to perform installations or repairs during the day should be paid for this travel time.

2. One-time assignments in another city:

If an employee is sent to another city for a one-time assignment, the travel time spent getting to and from the destination is usually compensable. This includes the time spent driving or flying, minus the usual commute time.

3. Client visits during normal hours:

When employees need to travel to meet clients or attend meetings away from their primary workplace during their normal work hours, this time is compensable. For instance, a salesperson driving across town for client meetings during their scheduled workday should be paid for travel time.

4. Overnight travel:

Travel that requires an overnight stay away from the employee’s home community is generally compensable during the employee's normal working hours. This includes time spent traveling to and from the destination city. For example, if an employee usually works from 9 AM to 5 PM, travel time within those hours on an overnight trip should be paid.

5. Emergency calls out of regular hours:

If an employee must travel for emergency work outside of their regular hours, such as a technician called to fix a utility breakdown at night, the travel time is compensable.

6. Training events required by employer:

If attendance at a training event during regular hours requires travel, this time is typically compensable. For example, if an employer requires attendance at a training session that is not held at the usual place of work, the travel time to and from the training location during normal working hours is compensable.

7. Early morning or late night flights:

If travel involves early morning or late-night flights that fall outside of regular working hours but are necessary to reach a business-related destination, these may be compensable depending on the circumstances, like if travel during normal hours is not possible.

8. Travel to a different worksite for short duration:

If an employee is assigned temporarily to a worksite far from their regular location, the travel time more than their normal commute to the regular worksite is typically compensable. For example, if an employee who normally works in a downtown office is assigned for a week to a suburban office, the additional time spent traveling beyond their usual commute time should be paid.

Non-eligible travel scenarios for compensation

There are several travel scenarios where time spent is typically not compensable under U.S. labor laws. Understanding these can help employers avoid unnecessary payments and clarify company policies regarding travel. Here are five scenarios where travel time generally does not require compensation:

1. Regular commute from home to work:

The everyday travel time from an employee's home to their primary workplace is not compensable. This rule applies regardless of whether the employee works at a fixed location or at various locations. For example, a construction worker commuting to different job sites each day would not be paid for the time spent traveling from home to the first site or from the last site back home.

2. Travel from home to work on special one-time occasion:

If an employee is required to report to a job site that is not their regular workplace for a special one-time task and the travel distance is similar to their normal commute, this travel time is generally not compensable. For example, if an employee who normally works in an office downtown is asked to work one day from a client's office across town, the travel time does not need to be compensated if it is similar to their usual commute.

3. Travel as part of a residential move:

If an employee is relocating to another city for work and the company is paying for moving expenses, the time spent by the employee moving their residence is not compensable. This is viewed as personal travel, even though it's related to work.

4. Voluntary training not during regular hours:

When employees choose to attend training sessions or professional development workshops on their own time and such attendance is not required by the employer, the travel time to and from these events is typically not compensable. For instance, if an employee attends a weekend seminar related to their field but not specifically required by their employer, the travel time would not be paid.

Calculating travel time pay correctly is essential to ensure fair compensation for employees and compliance with labor laws. Here’s how you can accurately calculate the pay owed to employees for the time they spend traveling for work-related tasks.

Calculation of travel time pay

To calculate travel time pay, you should follow these steps:

Determine the employee's pay rate : This is the regular hourly wage the employee earns.

Identify compensable travel time : Record the amount of time the employee spends traveling during their normal work hours that does not include their regular commute from home to work.

Calculate total payable hours : Multiply the hours of compensable travel by the employee's hourly wage.

Formula : Travel Time Pay=(Number of Hours Spent on Compensable Travel)×(Hourly Wage)Travel Time Pay=(Number of Hours Spent on Compensable Travel)×(Hourly Wage)

For example, if an employee who makes $20 per hour spends 3 hours traveling to different job sites during their normal work hours, the calculation would be:

Travel Time Pay=3 hours×$20/hour=$60Travel Time Pay=3hours×$20/hour=$60

Discuss any mandatory minimums or rates stipulated by law

In the United States, several mandatory minimums and rates are defined under the Fair Labor Standards Act (FLSA) and must be adhered to when calculating travel time pay:

Minimum wage : The federal minimum wage is a baseline; however, some states have higher minimum wages. Employers must pay at least the federal minimum wage for all compensable travel time unless their state's minimum wage is higher.

Overtime : If travel time plus regular working hours exceed 40 hours in a week, employers must pay hourly employees overtime at one and a half times the regular rate for the hours over 40.

Special rates : Some contracts or state laws might specify higher rates for travel time, especially if traveling involves unusual hardship or is outside of normal working hours.

How to design a policy for travel time compensation?

Creating a clear and comprehensive travel time compensation policy is essential for any organization. This policy not only helps ensure compliance with labor laws but also sets clear expectations for employees regarding their compensation for travel .

Here are five detailed steps to guide you in designing an effective travel time compensation policy:

Step 1. Define compensable travel time:

Clearly outline what qualifies as compensable travel time within your organization. Specify the types of travel that are covered, such as travel between job sites, overnight travel required for work, and travel during an employee’s normal working hours.

Make sure to distinguish between travel that is part of the employee’s daily commute (which is generally not compensable) and travel that is an integral part of the employee’s duties.

Step 2. Establish travel time pay rates:

Determine the pay rates for travel time. Decide if the rate will be the same as the regular hourly rate or if there will be a different rate for travel time. Include details on how to handle overtime pay if the travel time contributes to an employee working more than their standard working hours.

Make sure these rates comply with the Fair Labor Standards Act (FLSA) and any relevant state laws.

Step 3. Outline procedures for recording travel time:

Develop and implement a system for employees to record their travel time. This could involve logging their hours in a timekeeping system or filling out a travel time sheet.

Provide clear instructions on how and when to submit these records, ensuring that employees know the importance of accurate and timely reporting to receive appropriate compensation.

Step 4. Communicate the policy to all employees:

Once the policy is developed, communicate it effectively to all employees. This can be done through staff meetings, email distributions, or by posting it on the company’s internal website.

Ensure that every employee understands the policy and knows who to contact if they have any questions or issues related to travel time pay.

Step 5. Review and update the policy regularly:

Laws and business needs change, so it’s important to review your travel time compensation policy regularly—at least annually. This will help ensure that your policy remains compliant with current laws and continues to meet the needs of your organization and its employees.

Be open to feedback from employees about how the policy is working in practice, which could provide valuable insights into any necessary adjustments.

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Travel time pay is a crucial aspect of employee compensation, particularly for non-exempt employees under the Fair Labor Standards Act (FLSA). Employers must carefully distinguish between compensable and non-compensable travel scenarios to comply with legal standards and maintain fair workplace practices.

By establishing a clear policy that outlines compensable travel, sets appropriate pay rates, and details procedures for recording travel time, organizations can ensure both compliance and clarity for all employees. Regular review and updates of this policy are essential to adapt to any changes in labor laws or organizational needs.

Written by:

Rinaily Bonifacio

Rinaily is a renowned expert in the field of human resources with years of industry experience. With a passion for writing high-quality HR content, Rinaily brings a unique perspective to the challenges and opportunities of the modern workplace. As an experienced HR professional and content writer, She has contributed to leading publications in the field of HR.

Please note that the information on our website is intended for general informational purposes and not as binding advice. The information on our website cannot be considered a substitute for legal and binding advice for any specific situation. While we strive to provide up-to-date and accurate information, we do not guarantee the accuracy, completeness and timeliness of the information on our website for any purpose. We are not liable for any damage or loss arising from the use of the information on our website.

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Thai foreign minister quits after cabinet reshuffle

Thai Foreign Minister Parnpree Bahiddha-Nukara has resigned, the government said on Sunday, after being removed from the post of deputy prime minister in a cabinet reshuffle, at a time when the Southeast Asian country seeks to help resolve a conflict in Myanmar.

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3 Ways to Pay for Your Summer Vacation

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

A summer vacation can feel like a seasonal rite of passage — a sacred time to break away from the demands of everyday life in favor of fun and relaxation.

But summer can also be an expensive time to travel, which makes it hard to budget enough money for your vacation.

Though it’s best to pay in cash for nonessential travel, there are financing options available, including credit cards, “buy now, pay later” plans and vacation loans. Consider the interest rate and how long you’ll be in debt when deciding which to choose.

The challenges of budgeting for summer travel

Travel demand is in “near-record territory” with all indicators pointing to a “very robust summer leisure travel season,” the U.S. Travel Association, a nonprofit that monitors the U.S. travel industry, said in an email. According to the association, demand has driven up prices in sectors like airfare and lodging.

Even without higher prices, travel is tough to budget for, says Jake Northrup, a certified financial planner in Bristol, Rhode Island.

“Travel usually comes in big waves, and there's just a lot of uncertainty as to what things will actually cost,” Northrup says.

Adrienne Davis, a certified financial planner in the Washington, D.C., area, says her clients often receive last-minute offers to go on trips with friends or family, which leads to a cash shortage.

“We don't expect prices to be that high when it's time to book,” Davis says. “And if your money is already allocated on a month-to-month basis, it's like, ‘Wow, where am I going to get this extra $500 or $1,000?’”

Northrup and Davis emphasize it’s best to avoid taking on debt for a vacation. But because a trip can mean precious time with loved ones or an enriching personal experience, it’s reasonable to explore your options.

“I certainly understand sometimes the best decision that you can make is not the most financially optimal one, and that's OK,” Northrup says.

Credit cards, 'buy now, pay later' and vacation loans

The majority of travelers this summer (85%) plan to use a credit card to cover travel expenses, according to a survey conducted by The Harris Poll for NerdWallet , though most (74%) plan to pay it off in full within the first billing statement.

Davis prefers a credit card if you must finance a trip because you’ll likely earn points or cash back, which can offset costs. Some cards come with protections, she says, like travel insurance.

But interest rates on credit cards are high, which is why Davis recommends getting a card with a 0% annual percentage rate and paying off the balance during the initial promotional period — typically 15 to 21 months — before regular interest kicks in.

Companies like Affirm and Uplift offer buy now, pay later plans for travel . These plans divide your purchase into equal installments that you pay over time, and interest rates vary.

Uplift partners with airlines, resorts and other travel companies, including some that offer zero-interest financing and terms up to 24 months, depending on the partner and loan amount. Affirm offers no-interest options with terms up to 60 months.

Northrup prefers buy now, pay later if it’s zero interest, but like any debt, it’s important to prioritize repayment to avoid fees or hits to your credit.

A travel loan, or an unsecured personal loan from a bank, an online lender or a credit union, is another option. These loans are larger, and rates vary based on your credit score and debt-to-income ratio. Repayment is typically two to seven years, so consider how long you want to be in debt after your vacation.

Saving for your next trip

Unpacking your bags after a trip with zero debt to repay is a great feeling. Here are tips for saving for your next vacation:

Start now: Time is your most valuable resource when saving. Start putting aside money now for next summer, even if you don’t have a trip planned, Davis says. By saving $85 per month, you’d have over $1,000 saved in a year.

Open a high-yield savings account: Davis and Northrup advise their clients to put travel-specific funds in a separate high-yield savings account . You’ll earn interest, and you won’t accidentally dip into the funds to cover other expenses.

Pick the destination last: Many travelers pick their destination first, then try to come up with the money. But you can reverse that process, Northrup says, by “backing into” the trip you want. See what you have saved, then choose a destination based on that figure.

This article was written by NerdWallet and was originally published by The Associated Press. 

on NerdWallet

I spent 9 months traveling the world. I had a great time, but I'd never do it again.

• I spent nine months traveling the world , and I wouldn't do it again despite having a great time.
• Because I was on a tight budget, I often found myself turning down cool experiences to save money.
• I also struggled to make genuine friendships and missed having a space to call my own.

When I was working remotely in 2021, my boyfriend and I packed up and traveled to 22 countries across Europe and Latin America.

Although these were some of the best days of my life, I quickly learned that a lot of the videos I saw on social media that glorified full-time travel didn't always showcase the downfalls of the lifestyle.

More and more people are becoming digital nomads — countries like Italy have even implemented specific visas for remote workers. But during my nine months abroad, I learned that the lifestyle isn't all it's cracked up to be.

Here's why I wouldn't travel full time again.

I found myself constantly looking for places and experiences that felt like home

While traveling full time, I found myself constantly looking for places and experiences that felt like home.

In some ways, it was cool to feel like a local in a new city. However, when I returned home and took shorter vacations, I started to value the places I was visiting for their differences rather than trying to find some semblance of home.

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Nowadays, I like having a home base. Shorter trips help me to break up the monotony of life without sacrificing the comfort of home.

It felt like I was constantly thinking about money

When I was traveling full-time, I was on a strict budget . I either drained my wallet or ate cheap food to maintain some sort of financial security while on the road.

I talked myself out of going to every museum I wanted to and purchased cheap meals for dinner instead of indulging in local cuisine that might have been out of my budget.

The moments I would slip up on my spending were when I forgot this wasn't a never-ending vacation, but rather, my new everyday life.

During the first two weeks of our trip, I wanted to go to all of the must-try restaurants in Paris . However, I soon realized that came at the cost of establishing a strict daily budget for the remainder of our three weeks there.

Of course, it was worth it in the end to save money so that I could travel for nine months. However, now that I take a few shorter trips a year, I have more flexibility to make them everything I want them to be.

My friendships at home changed, and the new ones I made were fleeting

I think what travelers yearn for the most is community. When I was traveling, it was really hard to find the same quality of friends that I have at home.

When I did meet friends abroad, it was often short-lived. I found that many people traveling full time were only in a city for a few days. Even when I did find someone I connected with, it was hard to maintain a long-distance friendship.

Traveling full time also took a lot out of my friendships at home, as it seemed like they learned to live without me.

When I returned home, it felt like we didn't have as much in common as we used to. It took me months to get my friendships back to where they were before I left.

I missed having a space to call my own

While traveling, I stayed in 25 different places across nine months. Although seeing so many new places was cool, I missed having a space to call my own.

After spending so many nights in beds that weren't my own, it was an indescribable feeling to come back home. In fact, when I got back, I was able to create a space that took inspiration from the places I'd been.

I think traveling is something everyone should prioritize, but there are ways to see the world that don't involve doing it full time.

Nowadays, I plan to take at least four international trips a year, ranging from one to two weeks. This allows me to live a travel-filled life without giving up the comforts of home, career, and relationships.

Watch: Exclusive interview with Elon Musk on Twitter fame, loneliness, and the future of AI

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Trump criminal trial wraps for the day after opening statements and first witness

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell in the courthouse

Key takeaways from opening statements and the first witness in Trump's hush money trial

From CNN's Jeremy Herb, Lauren del Valle and Kara Scannell

Prosecutors and Trump’s attorneys delivered opening statements and the first witness — a former National Enquirer publisher — was called Monday in the historic and unprecedented criminal trial of a former president.

Each side got their first chance to lay out a theory of the case for jurors. Prosecutors told jurors that the reimbursement of hush money payments made to adult film star Stormy Daniels was part of a larger conspiracy to influence the 2016 presidential election.

The former president’s attorneys responded by telling the jury that Trump was innocent and not involved in the creation of the 34 business records he’s charged with falsifying. They also pointedly added that there’s “nothing wrong with trying to influence an election.”

Here are key takeaways from Monday:

• Prosecutors say Trump schemed "to corrupt the 2016 presidential election": The district attorney’s office framed the case for jurors as illegal payments to try to influence illicitly influence the 2016 election that Trump then tried to illegally cover up by falsifying business records. Prosecutor Matthew Colangelo walked the jury through Trump’s efforts, along with Michael Cohen and former American Media Inc., chief David Pecker, to keep damaging information from coming to light during the 2016 election.
• Defense says Donald Trump is innocent: Defense attorney Todd Blanche began his opening statement with a simple assertion: “Donald Trump is innocent.” Blanche told the jury that the story isn’t as simple as prosecutors laid out and argued that Trump was not involved with any of the business records he’s accused of falsifying beyond signing the checks. Blanche didn’t dispute the paper trail existed, but he argued to the jury there was nothing illegal about signing non-disclosure agreements — or trying to influence an election.
• Tabloid publisher testifies first: Prosecutors called former AMI CEO David Pecker as the first witness in their case against Trump. He testified for less than 30 minutes Monday morning before the trial adjourned for the day. He’s expected to continue testifying Tuesday. Colangelo teed up the former tabloid publisher as a key player in Trump’s “catch and kill” scheme to control the public narrative about him ahead of the 2016 election.
• Gag order hearing will lead off court on Tuesday: Before the trial resumes Tuesday, Judge Juan Merchan is holding a hearing on allegations that Trump violated the judge’s gag order barring discussion of witnesses. The district attorney’s office asked the judge to fine Trump $1,000 for each of several gag order violations leading up to and since the trial started. In addition to the fines, prosecutors want the judge to remind Trump he could be imprisoned if he continues to disobey the order.
• Trump was thinking about the $175 million bond hearing down the street: Meanwhile, other lawyers for Trump were in a courtroom a block away arguing over the legitimacy of the $175 million bond Trump posted to appeal the judgment in his civil fraud trial. Trump, who could not attend the civil hearing because he’s required to attend each day of the criminal trial, railed against Attorney General Letitia James.

Fact check: Trump falsely claims Michael Cohen’s crimes "had nothing to do with me"

From CNN’s Daniel Dale

Speaking to reporters Monday after opening statements in his criminal trial in Manhattan, former President Donald Trump declared that the crimes committed by his former lawyer and fixer Michael Cohen “had nothing to do with me.” 

Cohen is expected to be a key  witness for the prosecution . Trump said: “The things he got in trouble for were things that had nothing to do with me. He got in trouble; he went to jail. This has nothing to do with me. This had to do with the taxicab company that he owned, which is just something he owned – and medallions and borrowing money and a lot of things – but it had nothing to do with me.” 

Facts First:  Trump’s claim that Cohen’s prison sentence “had nothing to do with me” is false. Cohen’s three-year sentence in 2018 was for  multiple crimes , some of which were directly related to Trump. Most notably, Cohen was sentenced for  campaign finance offenses   connected to a hush money scheme  during the 2016 presidential campaign to conceal Trump’s alleged extramarital relationships -- the same hush money scheme that is central to this prosecution against Trump. Cohen was  also sentenced to two months in prison , to run concurrently with the three-year sentence, for  lying to Congress in 2017 in relation to previous talks about the possibility of building a Trump Tower in Moscow, Russia , including about the  extent of Trump’s involvement in the aborted Moscow initiative  and about when in 2016 the discussions ended. (The discussions continued into June 2016, the month after Trump  became the presumptive Republican nominee , and did not conclude in January 2016 before the first votes were cast, as Cohen had claimed.)

Referring to Trump as “Individual-1,” Cohen  said  at the time of his 2018 guilty plea for making false statements to the US Senate Select Committee on Intelligence: “I made these statements to be consistent with Individual-1’s political messaging and out of loyalty to Individual-1.” When Cohen pleaded guilty in 2018 to the campaign finance violations, he  said  he broke the law “in coordination and at the direction of a candidate for federal office,” Trump. 

David Pecker is an important witness in prosecutor's quest to prove criminal intent, legal analyst says

From CNN's Elise Hammond

David Pecker will be back on the stand on Tuesday to continue testimony in the hush money trial against former President Donald Trump. Not only is he the first witness to answer questions from the prosecution, but he is also a critical piece of how the state is trying to prove criminal intent, one former federal prosecutor said.

Criminal intent means that “not just an act happened, but an act happened for a purpose,” said Elliot Williams, a CNN legal analyst. “The defendant did something wrong to carry out some criminal purpose.”

As the then-chairman of American Media Inc., which publishes the National Enquirer, Pecker was involved in numerous “catch-and-kill” schemes he orchestrated on behalf of Trump, and he allegedly helped broker the deal with adult film star Stormy Daniels which is at the center of  the case.

“It’s not just the catch-and-kill payments, but catch-and-kill payments for the purpose of concealing information from voters in the context of an election,” Williams explained, referring to the 2016 presidential election. 

Williams said it’s likely that prosecutors will focus much of their questioning trying to uncover what was discussed in meetings between Pecker and Trump.

The question at the heart of the argument, Williams said, is if the payments were intended to conceal information from voters, “or was it just Donald Trump saying, ‘Well, you know, this is embarrassing to my wife and my kids, I really want to keep this hidden.’”

Read about the stages of Trump's criminal trial — and what they mean 

From CNN's Lauren del Valle, Jhasua Razo and Gillian Roberts

Former President Donald Trump’s first criminal trial is expected to take six to eight weeks from start to finish.

This trial, related to a  hush money payment  to adult film star Stormy Daniels in 2016, is the first of  four ongoing criminal cases  that are expected to head to trial for the presumptive 2024 GOP presidential nominee.

Now that opening statements are done, prosecutors are presenting trial evidence through witness testimony and exhibits. David Pecker, the ex-publisher of the National Enquirer, will resume testimony Tuesday.

Defense attorneys can cross examine the prosecution’s witnesses and typically aim to discredit their testimony. Witnesses’ responses are considered evidence, but not the questions posed by an attorney.

Read more about the stages of the trial, and what they mean here.

Michael Cohen jabs back at Trump's claim that Cohen's crimes have nothing to do with him

From CNN's Laura Dolan

Michael Cohen, who is expected to be a key witness in Donald Trump’s criminal trial, jabbed back at his former boss in response to comments Trump made about him outside the courtroom Monday.

Speaking to reporters in the courtroom hallway after court concluded, Trump said Cohen’s crimes have “nothing to do with me."

“He got in trouble, he went to jail. This has nothing to do with me,” said Trump. “This had to do with the taxicab company that he owned, which is just something he owned — and medallions and borrowing money.”

Shortly after those comments. Cohen posted on social media, “Hey Von ShitzInPantz … your attacks of me stink of desperation. We are all hoping that you take the stand in your defense. 

Cohen, who is Trump’s former attorney, served time in federal prison after pleading guilty to breaking federal campaign laws when he facilitated the $130,000 payment to Stormy Daniels, which is directly linked to the charges against Trump.  As for the taxi medallions that Trump referenced, Cohen was also sentenced for tax evasion related to a taxi medallion enterprise and lying to a bank in relation to a home loan. 

Trump is under a gag order and was ordered by Judge Juan Merchan not to comment about any witnesses in the trial.

CNN's Daniel Dale contributed to this post.

See courtroom sketches from today's Trump trial

No cameras are allowed inside the Manhattan courtroom where Donald Trump's hush money trial is underway, but a sketch artist captured the scene as opening statements unfolded and the first witness took the stand.

Biden builds early advertising edge as Trump spends millions on legal fees

From CNN's David Wright

President Joe Biden and his allies have nearly tripled Donald Trump’s network in ad spending over the last month and a half while the former president has had to devote millions of campaign funds to legal expenses — and sit in a New York courthouse for his hush money trial.

Since March 6, after Super Tuesday when Trump effectively secured the 2024 GOP presidential nomination, through April 21, Biden’s campaign and other Democratic advertisers spent $27.2 million on advertising for the presidential race, while the Trump campaign and GOP advertisers spent about $9.3 million, according to AdImpact data.

Ad spending data (presidential race, March 6 to April 21)

• Democrats: $27,153,293
• Republicans: $9,344,948

During that time, Biden's campaign has spent millions in key battleground states, including $4.1 million in Michigan, $3.9 million in Pennsylvania, and at least $2 million in Arizona, Wisconsin, and Georgia. And the Biden network has used its plentiful airtime to promote the administration’s first-term record and slam Trump, focusing on key issues such as the  cost of living  and  abortion rights .

Meanwhile, Trump’s network has failed to match that effort since he became the presumptive nominee, though a pro-Trump super PAC, MAGA Inc., recently ramped up its advertising, booking over $1 million worth of airtime in Pennsylvania to coincide with Biden’s recent campaign swing through the state last week.

Trump has also benefited over that stretch from a nearly $3 million anti-Biden campaign from outside groups aligned with the oil and gas industries, which have been  running ads  in Pennsylvania, Michigan, and Wisconsin, criticizing California fuel standards  defended  by the Biden administration. But despite some recent signs of activity, Trump’s network has been significantly outspent on the airwaves since his general election matchup with Biden came into focus. And  the latest round of FEC filings  shows how Biden’s fundraising edge is enabling that advertising advantage, as Trump’s ongoing legal battles drain millions from his campaign coffers.  

How we got here: A timeline of the Donald Trump and Stormy Daniels hush money case

From CNN’s Lauren del Valle, Kara Scannell, Annette Choi and Gillian Roberts 

The first criminal trial of a US ex-president is underway in New York, where former President Donald Trump faces charges from the Manhattan District attorney related to a hush money payment to adult film star Stormy Daniels in 2016. 

This is the first of four criminal cases expected to go to trial for Trump, also the presumptive 2024 GOP presidential nominee. CNN compiled a timeline of the key events leading up to the historic trial. 

Here’s how we got here: 

• September 2016: Donald Trump discusses a $150,000 hush money payment understood to be for former Playboy model Karen McDougal with Michael Cohen who secretly records the conversation . McDougal has alleged she had an extramarital affair with Trump beginning in 2006, which he has denied. 
• October 7, 2016: The Washington Post releases an "Access Hollywood" video from 2005 in which Trump uses vulgar language to describe his sexual approach to women with then show host Billy Bush. 
• October 27, 2016: According to prosecutors, Cohen pays Daniels $130,000 to her attorney through a shell company in exchange for her silence about an affair she allegedly had with Trump in 2006. This $130,000 sum is separate from the $150,000 paid to McDougal. Trump has publicly denied having any affairs and has denied making the payments. 
• November 8, 2016: Trump secures the election to become the 45th president of the United States. 
• February 2017: Prosecutors say Cohen meets with Trump in the Oval Office to confirm how he would be reimbursed for the hush money payment Cohen fronted to Daniels. Under the plan, Cohen would send a series of false invoices requesting payment for legal services he performed pursuant to a retainer agreement and receive monthly checks for $35,000 for a total of $420,000 to cover the payment, his taxes and a bonus, prosecutors alleged. Prosecutors also allege there was never a retainer agreement. 
• January 2018: The Wall Street Journal breaks news about the hush money payment Cohen made to Daniels in 2016. 

See the full timeline.  

Trump is also facing charges in 3 other criminal cases

From CNN’s Devan Cole, Amy O'Kruk and Curt Merrill 

The hush money criminal trial against former President Donald Trump is just one of  four criminal cases  he faces while juggling his presidential campaign.

The former president is facing at least  88 charges  over the four criminal indictments in Georgia, New York, Washington, DC, and Florida. Trump has pleaded not guilty to every charge in these cases. 

Here's a recap of each case: 

• Hush money:  Trump was first indicted in March 2023 by the Manhattan district attorney on state charges related to a hush-money payment to an adult film star in 2016. Prosecutors allege Trump was part of an illegal conspiracy to  undermine  the integrity of the 2016 election. Further, they allege he was part of an unlawful plan to suppress negative information, including the $130,000 payment. 
• Classified documents:  Trump was indicted in June 2023 by a federal grand jury in Miami for taking classified national defense documents from the White House after he left office and resisting the government’s attempts to retrieve the materials. The National Archives said in early 2022 that at least 15 boxes of White House records were recovered from the estate, including   some that were classified . The charges were brought by special counsel Jack Smith. 
• Federal election interference:  Smith separately charged the former president last August with four crimes over his efforts to reverse the 2020 election results. The indictment alleges Trump and a co-conspirator "attempted to exploit the violence and chaos at the Capitol by calling lawmakers to convince them ... to delay the certification" of the election. That case is currently on hold as the Supreme Court weighs Trump’s claims of presidential immunity in the matter. 
• Fulton County:  State prosecutors in Georgia brought a similar election subversion case against Trump and others. An Atlanta-based grand jury on August 14, 2023, indicted Trump and 18 others on state charges stemming from their alleged efforts to overturn the former president’s 2020 electoral defeat. A trial date has not yet been set in that case. 

Read more about  the four criminal cases  Trump faces.  

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