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Thousands of travellers are changing the way they book flights with Paylater Travel

Find your next flight
Find your next flight
A smiling woman with braided hair sits on a sofa, typing on a laptop. The room has elegant white paneling, creating a cozy and professional atmosphere.
"The option to pay off flights without the pressure of Klarna is amazing."
"So quick and easy, and the fact you are not applying for credit is even better."
“I saved $430 on the exact same flight, and didn’t have to go into debt”

Take off without debt or hidden fees

What does Paylater Travel actually do?

We allow you to book flights and pay on your terms. Lock in today's fare with a small deposit, then make weekly or fortnightly payments until take-off.

Isn’t it the same as ‘buy now, pay later’?

No. BNPL services like Klarna break payments into 4 instalments over 6-8 weeks.
We give you up to 52 weeks to pay, with flexible scheduling that works around your budget.

But then it’s like a credit card... right?

Wrong! No credit checks, no impact to your credit score, and zero interest. Ever. Credit cards can charge 20% plus interest if you don't pay in full, but we’ll never tack on fees.

But when do I actually get my ticket?

Your ticket is purchased in your name and your fare is locked from the moment you checkout. Once you’ve completed all payments, your full ticket details land in your inbox.

So what’s the catch?

There isn’t one! We’re just a passionate team of travellers who believe in accessible adventures. We exist to level the playing field and give everyone a chance to score the best fares, even when they don’t have the cash upfront.

See how we compare

Credit cards

Buy now, pay later

Booking flights

Yes! Book directly through 
 Paylater Travel

No, payment option only

No, payment option only

Flexible payment duration

Up to 26 weekly or 
bi-weekly payments

Minimum repayments, revolving debt

4 fixed payments over 6-8 weeks

Interest and fees

0% interest, 
no late fees ever

18-29% APR if not paid in full

0% interest if paid on time. Late fees if missed

Credit checks and impact

No credit check, no impact

Hard credit check, impacts credit utilization

Soft check, can impact credit if missed

Adjusting payment schedule

Change payment dates, extend timeline to suit you

Pay minimum or full balance only

Fixed schedule, limited flexibility

Approval processes and delays

Instant book, 
no credit score required

Credit score dependent, can take days

Short approval, but income/spending limits

Missed payment penalties

No late fees, we work with you to reschedule

Interest charges, late fees, credit damage

Late fees, potential credit reporting

Travel benefits

Lock in today’s airfares and pay on your terms

Points on some cards (but with interest risk)

Lock in price but pay in 4 or face fees

Travelers love us
because we help them avoid...

Price hikes close to departure

Fares increase 20-40% the closer you get to departure. By the time you’ve saved for the flight, surprise! It’s gone up significantly. Booking with us freezes the fare at the price it appears today.

Debt lag that ruins your trip

Nothing snaps you back to reality quite like a credit card bill. With us, you’ll never pay interest or come home to a mountain of debt. All payment plans are completed before take-off.

Credit impacts that hang over you

Buy now, pay later services and credit cards can negatively impact your credit score. With us, you can protect your future financial goals with no credit checks and no lines of credit, and still enjoy your trip.

The layaway plan has been revived digitally

“Paylater Travel allows travelers to lock in a price and book a flight they see today for future air travel. They must pay off the entire amount before flying. The company bills it as ‘pay as you save’ and offers interest-free installments for up to 26 weeks after an initial deposit as low as 5 percent of the fare.”

Next, she’s thinking about Bangkok

"The system showed me exactly what I’d owe and when—no fine print, no scary interest charges lurking in the background. As someone who is always a little wary of ‘buy now, pay later’ services (thanks to sneaky fees and credit score implications)."

A huge win for budget conscious travelers

"The system showed me exactly what I’d owe and when—no fine print, no scary interest charges lurking in the background. As someone who is always a little wary of ‘buy now, pay later’ services (thanks to sneaky fees and credit score implications)."

FAQs

Will using Paylater Travel affect my credit score?

No, your credit score is totally unaffected when you book with Paylater Travel. Credit checks aren’t needed to secure your flight, because we aren't providing you with credit or a loan. Your seat is secured with a small deposit and the remainder is paid in weekly or fortnightly instalments before you fly.

Is there a spending limit on Paylater Travel bookings?

No, there's no spending limit on Paylater Travel bookings. Unlike BNPL providers like Klarna and Clearpay, which typically cap purchases at £1,000-£2,000, we allow for much more flexible booking. Whether you're booking a single flight or multiple trips for your family, there's no maximum limit - meaning you can secure even premium international travel without worrying about spend caps.

Is this ‘buy now, pay later’ for flights?

Paylater Travel is a layby flight solution, not a ‘buy now, pay later’ provider. BNPL providers like Klarna and Clearpay often require 4 equal payments over 6-8 weeks, and will charge late fees for delayed payments – which impact your credit score. We allow you to pay much more flexibly in up to 26 payments, and never charge interest or late fees. And because your flight is paid in full before you fly, you’ll never come home to debt.

What’s the difference between lay-by vs ‘buy now, pay later’ for flights?

Lay-by and Buy Now Pay Later might sound similar, but they work very differently:


Lay-by (Paylater Travel):‍

  • You lock in today's price with a deposit, then pay it off before you travel
  • No credit checks, no interest charges, no debt
  • Flight is fully paid before departure. Never come home to bills
  • Designed specifically for travel, with flexible payment schedules (up to 26 weeks)
  • Helps you avoid price surges by booking early

‍Buy Now, Pay Later (Klarna, Clearpay):‍

  • You get the flight immediately but pay it off after (often after you've already traveled)
  • Typically requires credit checks and has spend limits ($1,000-$2,000)
  • Fixed short payment windows (usually 4 equal instalments over 6-8 weeks)
  • Can charge interest or late fees if you miss payments
  • Doesn't help you lock in prices early as you still need funds to be shortly available after booking

Bottom line: Layby is about planning ahead and avoiding debt. BNPL is about getting something now and paying later. We're designed to help you travel smarter, without debt lag.

Can I customise the size of my deposit to reduce my instalments?

Absolutely. We allow you to customize your payment plan to suit your budget. You can choose a deposit amount starting from 10%, 20%, 30%, 40% or 50% of the total fare, with the remainder being paid weekly or fortnightly before departure. As a tip, many travellers choose to line up their payments with their paycheck, making budgeting as seamless as possible.