A full list of places where you can use buy now pay later for travel

More than 60 travel booking sites, including some of your favourites, let you lock in a travel deal now and pay for it later.

Found an amazing Jetstar sale that ends tonight? Found an unreal deal on a Contiki tour with just one seat left on the bus? But… payday is not until next week.

No sweat. There’s a way you can score an incredible deal on travel without having all the funds to pay for it right now.

Buy now pay later programs, like Afterpay and Zip Pay, let you lock in a travel deal now pay for it over the next little while. Each program works differently (and you can read more about each one below), but generally you’ll have more than a credit card’s four weeks to pay it off.

A full list of travel companies with buy now pay later

💡Cheaptrips tip: Use the search bar to find the name of a company or buy now pay later program.

What is different about buy now pay later for travel compared to a credit card?

With a credit card, you generally have up to 45 days or so to pay off your balance without accruing any interest. But that all depends on when in the billing month you’re making your purchase.

“If your card offers, for example, an interest-free period of 15 days after the end of your billing cycle, you’ll get 45 interest-free days if you make a purchase on the day your billing cycle begins… Your interest calculation isn’t based on when you use your card to make a purchase. It’s based around your statement period and total outstanding credit card balance.

Rate City

But, if you don’t pay your balance in full, you could face interest rates of up to 14-20% on average, with interest calculated daily.

With buy now pay later programs, your interest-free period (if they even have one) is calculated from the time of purchase, rather than it being based on a billing cycle. But, you will likely need to have some of the money upfront.

For example, Afterpay will take the first payment (25% of the total purchase) at the time of the transaction. So you’ll need at least that much available.

How does each program work for travel?

Afterpay

You’ll pay off your trip in four equal instalments, every two weeks. If you miss a payment, you’ll need to pay a late fee. According to Afterpay’s website, if your balance is $40 or less, your fee will be 25% of what you owe. If it’s more than $40, you’ll pay $10 and then an extra $7 for every week it remains unpaid. It adds up until it reaches a maximum of $68 (or it’s paid off)

• Is there a sign-up or subscription fee? There are no fees associated with using Afterpay, as long we you pay your instalments on time.
• Do I need to pay anything at the time of purchase? Yes. The first payment (25% of the purchase) is taken at the time of the transaction. So if you’re booking a $1,000 flight, you’ll need to have access to at least $250.

💡Cheaptrips tip: Twice a year Afterpay runs the Afterpay Day sale where you can save a ton on a huge range of websites that accept Afterpay.

Zip Pay

Unlike Afterpay or a credit card, Zip Pay doesn’t require you to pay off your balance within a certain amount of time. Instead, it charges a monthly account fee of $9.95 as long as you still have a remaining balance. The same amount is charged regardless of your balance of $10 or $1,000 (which is the maximum).

You’ll make minimum monthly payments of $40. if you don’t, you’ll be charged a $5 late fee.

• Is there a sign-up or subscription fee? Yes. You’ll be charged $9.95 per month for the service, as long as you have a balance remaining. If you don’t owe ay money, you won’t be charged the monthly fee.
• Do I need to pay anything at the time of purchase? No.

Humm

With a much more generous maximum spend than other buy now pay later programs at $30,000, Humm rewards those who can pay off their holiday faster with lower fees.

Purchases less than $2,000 are counted as “Little Things” and can be paid off in either five or 10 fortnightly instalments. If you pay in five, you can skip the $8 monthly fee and just pay the $2 “Little Things fee”. Whichever payment plan you choose though, if you miss a payment you’ll need to pay a $6 late fee.

If you’re a big spender on holidays, you’ll need to go for the “Big Things” plan. (You can only get this after successfully having a Little Things plan, though”. While you will have up to 60 months to pay, you will always have to pay an $8 monthly fee and pay an establishment fee of up to $110. If it’s not your first time using Humm, you’ll also need to pay a $29 repeat purchase fee. Late fees for “Big Things” are also $6 per month.

• Is there a sign-up or subscription fee? Yes. You’ll need to pay $2 for the “Little Things Fee” (less than $2,000 balance). If you’re paying in 10 instalments instead of five, or have a balance of more than $2,000, you’ll also need to pay an $8 monthly fee.
• Do I need to pay anything at the time of purchase? Yes. You’ll need to pay a 20% deposit on the date of purchase.

Klarna

With an incredibly similar concept to Afterpay, Klarna lets you buy something today with just a 25% down payment and pay the remainder off in three other payments over a total of six weeks

You’ll be charged a late fee if your balance is higher than $25 and you don’t make a payment on time. The fees range from $2 to $8 in a tiered fee system (which is listed on Klarna’s site).

• Is there a sign-up or subscription fee? No. As long as you make your payments on time, you won’t need to pay for Klarna’s service.
• Do I need to pay anything at the time of purchase? Yes. You’ll need to pay your first instalment of 25% at the time of purchase.

Laybuy

Offering the shortest pay-back period of the buy now pay later services, Laybuy requires you to pay one sixth at the time of purchase. You’ll pay the remaining balance over the next five weeks. So, you don’t have quite as much time as some of the others. Or even compared to a credit card.

• Is there a sign-up or subscription fee? No. But, if you miss a payment you’ll need to pay a $10 late fee.
• Do I need to pay anything at the time of purchase? Yes, about 16.5% of the total purchase.

What do know about using buy now pay later for travel

Do airlines offer payment plans?

If you’re looking for a direct-with-airline payment plan, you’re more likely to find the option to pay to hold a fare temporarily than a payment plan.

For example, Qantas allows you to place a holding deposit for just $25. However, the due-date varies depending on the flight. You’ll be told when the balance is due when you lock in the price.

Do I need to finish paying off my trip before departing?

Not always!

Both Afterpay and Zippay let you use buy now pay later for travel before you’ve finished paying off your instalments.

How does buy now pay later work with Australian airlines?

Jetstar:

Which programs does Jetstar use? Afterpay and Zippay.

What fees are involved? You’ll need to pay 1.5% with both Afterpay and Zippay.

How much can I spend? Afterpay limits how much credit you can use, and that does start at just $600 (it can increase to $3,000). Make sure you have enough credit remaining for your flight. Zippay credits are limited to $1,500. If you’re using ZipMoney, you can spend up to $5,000.

Qantas:

Which programs does Qantas use? You can pay with Zip Pay or Zip Money.

What fees are involved? Qantas charges a 1.5% fee, which is capped at $22 for domestic bookings or $120 for international ones.

How much can I spend? If you’re using Zippay, credits are limited to $1,500 for Qantas bookings. If you’re using ZipMoney, you can spend up to $3,000.

Virgin Australia:

Which programs does Virgin Australia use? You can use Zip Pay or Zip Money.

What fees are involved? If you’re booking with Zip Pay, you won’t pay any fees as long as you pay on time each month. If you’re using Zip Money, there’s a one-off establishment fee of up to $99.

How much can I spend? Zip Pay bookings can be between $350 and $1,000, while Zip Money bookings need to be between $1,000 and $5,000.

Bonza and Rex don’t currently partner with any buy now pay later programs directly. But, does doesn’t mean you can’t book a Rex flight with those airlines at all using a buy now pay later program.

You can book a Rex flight on a third party website like Alternative Airlines, Trip.com or Webjet.