Can You Buy Plane Tickets and Pay Later?

Buy now, pay later (BNPL) has become a popular method for consumers to manage various purchases, including travel. This financial approach allows individuals to acquire goods or services immediately while distributing the total cost into smaller, scheduled installments over time. The growing availability of BNPL options within the travel industry reflects a broader consumer demand for financial flexibility, making it possible to book flights without needing the full amount upfront.

Understanding Deferred Payment Options

Several mechanisms exist for individuals to purchase plane tickets and defer payment. One common method involves third-party Buy Now, Pay Later (BNPL) services, which partner with airlines and online travel agencies. Companies like Affirm, Klarna, Afterpay, Uplift (also known as Flex Pay), and PayPal’s Pay Later options enable travelers to split the cost of their airfare into manageable installments. For instance, many of these services offer interest-free plans for shorter durations, typically dividing the total into four bi-weekly payments. For larger purchases or longer repayment periods, interest-bearing plans may extend over several months, such as 3, 6, 12, or even up to 60 months.

Some airlines also offer their own specific installment plans or layaway programs, though these are less common than general BNPL partnerships. For example, Delta Air Lines allows eligible American Express cardholders to use its Plan It option for installment payments, while airlines like United and Southwest partner with services such as Flex Pay. These airline-specific programs integrate directly into the booking process.

Using a credit card can also function as a “pay later” option, particularly if the balance is carried over, but this differs significantly from dedicated installment plans. Credit cards typically accrue interest on outstanding balances without the fixed payment schedule and transparent terms characteristic of BNPL services. However, some credit cards offer promotional 0% Annual Percentage Rate (APR) periods, providing an interest-free window for repayment if the balance is paid off before the promotional period ends. For larger expenses, personal loans or travel loans present another route for financing a flight purchase. These loans provide a lump sum that is repaid over time with interest, offering a more traditional financing solution for significant travel costs.

Key Considerations Before Committing

Before committing to any deferred payment option for plane tickets, thoroughly review the specific terms and conditions. Interest rates, often expressed as an Annual Percentage Rate (APR), can vary significantly, ranging from 0% for shorter, promotional periods to as high as 36% for longer repayment plans or based on creditworthiness. Understanding if an offer is truly 0% interest and the conditions to maintain that rate is important, as interest may apply if payments are missed or if the repayment period extends beyond the interest-free window.

All applicable fees should be identified, which can include late payment fees, origination fees, or processing fees. While some BNPL providers like Uplift advertise no late fees or prepayment penalties, others may charge fees for missed payments. The exact payment schedule, including the frequency (e.g., bi-weekly, monthly) and duration of the repayment period (e.g., 3, 6, 12 months), must align with an individual’s financial capacity.

The potential impact on one’s credit score is another important factor. While some BNPL services perform a ‘soft’ credit inquiry, which does not affect the credit score, others may conduct a ‘hard’ inquiry that can temporarily lower it. Timely payments could potentially help build credit, while missed payments could negatively affect it. Eligibility requirements, such as minimum age (typically 18 years old) and residency, along with potential credit score thresholds or minimum purchase amounts, are also factors to consider. Finally, understand how cancellation and refund policies for the flight interact with the deferred payment plan, as individuals may remain responsible for payments even if their trip is canceled.

Navigating the Application Process

Once a deferred payment option is selected, the application process typically begins at the checkout stage on an airline or online travel agency website. Travelers will usually see an option to select ‘pay later’ or ‘installment plan’ as their preferred payment method. This selection directs the user to the BNPL provider’s application interface.

During the application, standard personal details are generally required, including full name, date of birth, mobile number, and often a Social Security number. Some providers may also request income verification or bank account information to facilitate automatic payments. The process for a credit check, if applicable, often involves a quick, soft inquiry that provides an instant decision on approval or denial. This allows travelers to proceed with their booking.

Upon approval, the flight ticket is typically issued immediately. The next step involves setting up automatic payments for the approved plan to ensure payments are made on time and avoid late fees. Most providers send payment reminders via email or text before each installment is due. While the flight is secured, the financial commitment remains, and travelers are responsible for adhering to the agreed-upon payment schedule until the full amount is satisfied.