What Airlines Accept Affirm for Flight Bookings?

Affirm provides consumers with a flexible way to finance purchases over time, serving as a “buy now, pay later” (BNPL) service. It allows individuals to book flights and manage the cost through scheduled installments rather than paying the full amount upfront. Its growing presence in the travel sector offers an alternative for travelers seeking to budget their airfare expenses.

Airlines That Accept Affirm Directly

Some airlines partner directly with Affirm, allowing selection as a payment option on their official website during booking. American Airlines is one such carrier. When booking a flight on their site, the Affirm option appears at the final checkout step.

Delta Air Lines, through its Delta Vacations service, also offers Affirm for travel packages that include flights. Travelers look for the Affirm logo or “monthly payments” option during online checkout. Selecting this option integrates the payment process directly into the airline’s or vacation package site, streamlining the booking experience for those who prefer to arrange their travel directly with the carrier.

Booking Flights with Affirm Through Travel Platforms

Even if a specific airline does not directly partner with Affirm, flights can be booked using Affirm through various third-party online travel agencies (OTAs) and booking platforms. Prominent platforms like Expedia, Orbitz, Priceline, Travelocity, CheapOair, and KAYAK integrate Affirm as a payment option for flights. Alternative Airlines and Fly Fairly also offer Affirm for a wide selection of carriers.

When booking through these platforms, the user selects their desired flight and proceeds to the platform’s checkout page. There, Affirm can be chosen as the payment method, rather than directly with the airline. This method expands the range of flight options available for Affirm financing, covering over 600 airlines through some platforms.

The Process of Paying for Flights with Affirm

To pay for a flight using Affirm, select it as the payment option during checkout on an airline’s website or travel platform. This selection redirects the user to Affirm’s application page. On this page, individuals are prompted to provide personal information.

Required details include a mobile phone number, email address, date of birth, and the last four digits of their Social Security number. Affirm then conducts a soft credit check, which helps determine eligibility and potential loan offers without negatively impacting the applicant’s credit score. After this, loan offers are presented, detailing various payment plans, such as “Pay in 4” (four interest-free payments every two weeks) or monthly installments over periods like 3, 6, 12, or 18 months, with varying Annual Percentage Rates (APRs).

The user reviews these offers and selects a preferred payment plan. A down payment may be required depending on the purchase amount and eligibility. Once a plan is chosen, the user receives confirmation from Affirm, followed by the booking confirmation from the airline or travel platform. Payments can be managed through the Affirm app or website, and reminders are sent via SMS text messages.