Buy Now Pay Later for Flights

Written by Robert Ferry on September 4, 2022
Buy Now Pay Later for Flights

Book Now Pay Later enables you to pay off payments for purchases, including flights and vacation packages. Everyone can apply to book traveling packages or flights with the BNPL service. You just need to choose a useful third-party provider for booking any airline flight. All BNPL flights are available in repayment installments of 12 months.

Unlike other purchases, flights are the expensive spending you need to make before a vacation plan. Doesn't matter what your trip purpose is; you need to fly. Whether you need to travel for relaxation purposes, family visits, or business trips, you must make flights. Flight is an inevitable part of a trip, but it should not be expensive.

Many airlines offer the Fly Now Pay Later option to divide your flight expenses into installments. You can choose an Airline and then select a reliable provider such as Uplift, Zip, Affirm, PayPal Credit, and MarcusPay for using the BNPL personal loan. More than 600 airlines, including British Airways, United Airlines, and Jet Blue, provide BNPL options to travel worldwide.

Book now pay later services will help you book your travel in vacation and pay the bill later over weeks or months. It is a convenient and simple way to buy travel flights according to your budget. It does not require pre-planning, so you don't have to worry even if you are in a hurry. If you are wondering about flying now and paying later for your flights, the following airlines will provide you with the help.

This article will discuss the airlines offering the Fly now pay later scheme to travelers. We will also include the benefits and drawbacks of buying now and paying for later flights. Moreover, the article will elicit different third-party payment providers. A FAQs section is added to answer general questions related to the Buy now pay later flights.

Airlines that Offer Flight Now and Pay Later

Like online travel agencies, almost all major airlines in the United States offer Fly Now and Pay Later options. Airlines with BNPL flights directly partner with Fly Now Pay Later third-party payment providers. For Buy Now, Pay Later financing, you can choose any provider, such as Afterpay, Uplift, Affirm, PayPal, and MarcusPay.

The following are the major airlines that offer BNPL flights.

Delta Airlines

Delta Airlines is the most popular travel way and airline in the United States. It has more than 5,000 flights per day and counts among the world's largest airlines. Delta provides a variety of perks and rewards to its flight attendants. However, Delta Airlines has some drawbacks that you might know before booking a flight.

Delta Airlines provides its Buy Now Pay Later offer with multiple BNPL options such as Zip, Afterpay, Sezzle, Klarna, Uplift, PayPal Credit, and Affirm. You need to choose a BNPL flight provider and book your Delta flight. The lender will carry out a credit check to see your creditworthiness and provide you with an instant decision.

Delta Airlines is a great option for passengers with a first-class experience. You can enjoy and relax with your Delta first-class ticket. It has more than 300 destinations in the US and worldwide. You can book your Delta Flight with multiple third-party providers and websites. Delta Airlines has easy and assigned seating arrangements and great service.

British Airways

British Airways offers its flight operation to more than 180 destinations in Europe, Africa, Asia, Australia, the Middle East, and the United Kingdom. It provides the BNPL service and many other payment methods to ease your spending into installments. British Airways provide flexible low deposit plans for your trips and vacations.

You can book your tickets with British Airways and pay back the loan amount in as many installments as possible. You can decide when you want to pay and how much. British Airways only requires on-time payments, or you will charge late payment fees. With British Airways BNPL flights, you can divide your travel amount into installments and spread the cost over a long period.

The British Airways website can book your flights with the BNPL service. Moreover, you can also use third-party Fly Now Pay Later providers like Klarna, Afterpay, Clearpay, Affirm, Spotii, PayPal Credit, and others. British Airways is a good option to travel with for saving money, refunding your deposits, and having many perks and benefits during your flight.

Alaska Airlines

Alaska is the safest airline in the United States and ranked eighth safest in the world. If you prioritize safe travel, Alaska Airlines is a great option. It provides great service to its customer and has a low rate for mishandled luggage. Alaska Airlines provide a variety of perks and rewards to its customers with their credit cards.

For booking BNPL flights of Alaska Airlines, you can choose any major Fly Now Pay Later providers, including Affirm, Uplift, PayPal Credit, Zip, MarcusPay, and more. BNPL service provides low monthly payments with flexible installment plans. You can pay back your loan amount in installment plans weekly and monthly.

All third-party Fly Now Pay Later providers have easy and simple application processes. Most BNPL flights are without any interest rate. However, the APR rate depends on your creditworthiness. After booking an Alaska Airlines flight with the BNPL option, you don't need to remember your monthly installment dates. All Fly Now Pay Later options has an automatic payment system.

United Airlines

United Airlines is one of the largest airlines in the world. The airline has more than 1300 planes and over 4,500 flights worldwide. United Airlines offers several fare classes such as Basic Economy, Economy, Economy Plus, First Class (domestic and regional), Premium Plus, and Polaris Business Class. It offers flight cancellation, bag check, and several other benefits.

United Airlines offers its BNPL service with multiple Fly Now Pay Later options such as Affirm, Uplift, Zip, Klarna, Afterpay, Laybuy, and PayPal credit. The airline directly partners with Uplift, the most reliable source to book your BNPL flights. You need to pay a down payment of $100 at the time of purchase.

Your lender will carry out a credit check, and the interest rate will also depend on your credit score. You can spread your loan amount into installments weekly and monthly over a year. After your first payment at checkout, you don't need to remember due dates, and your loan amount will pay with automatic payments.

American Airlines

American Airlines introduced its Buy Now Pay Later offer to users in February 2017. Users can now book American Airlines flights with the Fly Now Pay Later option to ease their budget. Expensive flights or travel packages can now be divided into installment plans. There is no additional fee or charge for booking BNPL flights by American Airlines.

American Airlines offer BNPL flights with several Fly Now Pay Later options such as Affirm, Uplift, Zip, Klarna, Afterpay, Laybuy, and PayPal credit. With American Airlines, you can book your BNPL flight. Your selected lender will pay for your flight, and you can enjoy your trip or vacation easily. After that, you need to pay back to your payment provider in weekly or monthly installments.

Payment plan options depend on the regulations of your country or state. American Airlines is a good option, depending on several factors. They include:

  • You are traveling on a regular route of American Airlines.
  • You have loyalty to American Airlines Alliance which is OneWorld.
  • You want to earn miles and have a membership of AAdvantage.
  • You have booked a first or business class ticket and like its offerings.

American Airlines is a good option for US residents to get the best out of its offerings. Many travelers will choose American Airlines due to its convenient traveling time and nonstop flight.

Emirates Airlines

Emirates is a Dubai-based airline that has a large flight network all around the world. It is one of the largest airlines in the world. The airline has domestic and international flights with many perks and benefits, including several class fares, food and drinks, service, seating, a comfortable environment, and inflight entertainment.

Emirates Airlines offer BNPL flights with several Fly Now Pay Later options such as Affirm, Spotii, Uplift, Zip, Klarna, Afterpay, Tabby, and PayPal credit. All third-party Fly Now Pay Later providers have easy and simple application processes. Most BNPL flights are without any interest rate. However, the APR rate depends on your creditworthiness.

After booking an Alaska Airlines flight with the BNPL option, you don't need to remember your monthly installment dates. All Fly Now Pay Later options has an automatic payment system. Your selected provider will pay for your flight; after that, you need to pay back to your payment provider in weekly or monthly installments.

Frontier Airlines

Frontier Airlines is an American-based airline that has a flight operation with more than 100 destinations in the US. It also flies to more than 30 international destinations and has 3,000 staff members. The airline has nice and comfortable seating and avoids tv monitoring on every seat to save the plane's weight.

Frontier Airlines offers its BNPL flight option directly with Uplift. However, you can also choose other Fly Now Pay Later payment providers like Affirm, Zip, PayPal, and online travel websites. With Uplift, you can buy your Frontier Airlines flight and pay in flexible installment plans to manage your budget. You can book your BNPL flights with a simple application process, fixed installments, and no late fees.

For booking your Frontier Fly Now Pay Later flight, you need to choose Uplift as your payment method and provide some basic information. The lender will do a credit check to see your creditworthiness, and if you have good credit, you will be qualified for the BNPL flight. After that, you will receive an offer and the fee structure, including APR and interest rates.

Jet Blue Airlines

JetBlue was started in 1998 and progressed to become one of the largest airlines in the world. JetBlue is considered the fifth largest airline in the US for operating 900 flights every day. JetBlue has flight operations to 93 destinations with domestic and international flights. The airline has many benefits and perks not only for passengers but for crewmembers also.

JetBlue offers its customers BNPL flights to spread the flight cost in equal installments. You can choose any third-party payment provider, such as Affirm, Zip, PayPal Credit, Uplift, MarcusPay, Laybuy, and Afterpay. JetBlue has a direct partnership with MarcusPay, so it will be a reliable source to book your flights with MarcusPay.

For booking your JetBlue BNPL flight, you must choose MarcusPay as your payment method at checkout. After that, a credit check will be carried out to see whether you can pay back the loan amount or not. You can buy tickets without a deposit, additional fee, and interest rates. You need to download the JetBlue mobile app to book your flight with Buy Now Pay Later payment plan.

Southwest Airlines

Southwest Airlines was founded in 1967 and started in 1971. It is one of the most popular airlines in the United States. It is considered the largest low-cost airline in the world. Southwest Airlines has more than 120 destinations in the US and ten other countries. Compared to other domestic airlines, Southwest takes more passengers.

Southwest uses Uplift to provide a Fly Now Pay Later offer to customers. Recently, Southwest announced its interest-free flight tickets without any late payment fees or prepayment penalties. Customers can book their flights and pay later with easy weekly or monthly installments. Southwest is concerned about providing flexible travel offers so people can explore more.

All third-party Fly Now Pay Later providers have easy and simple application processes. Most BNPL flights are without any interest rate. However, the APR rate depends on your creditworthiness. After booking an Alaska Airlines flight with the BNPL option, you don't need to remember your monthly installment dates. All Fly Now Pay Later options has an automatic payment system.

Pros and Cons of BNPL Flights

Pros of Fly Now Pay Later are as follows:

  • A wide variety of travel companies offer BNPL flights.
  • The application process for BNPL flights is simple and efficient.
  • BNPL flights offer as many as 12 monthly installments for payback.

A Variety of Travel Companies Are Available

More than 600 Airlines offer BNPL flights with trusty Fly Now Pay Later options. You can book your flights on various airlines, including British Airways and American Airlines. Other than airlines, many online agencies such as Expedia and housing choices, including Affirm and Uplift, is available for using the Fly Now Pay Later option.

Simple Application Process

To book your flights with BNPL, you must spend a few minutes in the application process. The Fly Now Pay Later app provides a quick process for booking airline flights. You need to download the app of the specific Fly Now Pay Later option on your mobile phone. According to an estimation, the application process only takes 3 minutes.

Convenient and Efficient

Fly Now Pay Later service is convenient to use. You can easily apply for a payment provider and book your flight in a few minutes. The application process for using a BNPL service is very simple, you need to provide some basic information, and you will instantly decide about your creditworthiness.

Flexible Repayment terms

Almost all BNPL options offer flexible repayment terms ranging from 3 to 24 months. You can easily divide your loan amount into 12 or 18 months installments. On-time payments will increase your creditworthiness, and you will be able to manage your spending within your budget.

Save on Airfare

With BNPL flights, you can save a lot of money. Flights rates increase every day due to several factors. When you book a flight ticket in advance, your deposit amount will not be charged after. Buy Now and Pay Later for travel is a great option for keeping your budget up-to-date and saving money.

Cons of Fly Now Pay Later are as follows:

  • BNPL flights require a credit check.
  • Some BNPL flights need a down payment.
  • Most BNPL flights do not reveal the APR and other loan terms before a loan agreement.

Varying Interest Rates Offered

Not all Fly Now Pay Later options to offer high APR and interest rates. However, you can experience a high APR of 29.99% with some options. The APR and interest rates for your BNPL flights depend on your credit score and loan amount.

After applying for a BNPL flight, the lender will conduct a hard credit check to see whether you can pay for your loan amount. The bad point of BNPL flights is that you are not provided with the required APR and interest rate until you agree.

A Down Payment is Required

Most Fly Now Pay Later options offers flights without a down payment. However, some providers require you to pay a down payment or deposit at checkout. After paying the down payment, you can easily book your flights, hotel reservations, and vacation packages. Down payment depends on your selected travel and BNPL flight provider.

A mobile Application is recommended

A mobile application is recommended for a better experience of the Fly Now Pay Later options. You are not restricted from downloading and using the application, but it will provide you with all the information and details about your flights, reservations, repayment, and finance. You can apply for BNPL flights with a mobile application and travel agencies' checkout.

Don't Build Credit

The Fly Now Pay Later service does not help customers build their credit scores. It is not a good option if you are thinking of improving your credit score with BNPL flights. Fly Now Pay Later payment providers do not send a report about your good performance to credit bureaus. Instead, if you miss an installment or payment, a bad report about your debt will be sent to credit bureaus.

With continuous late payments, you can face difficulty with your debts in managing your budget. Also, you will need a good credit score and credit history for future loans. It is good to maintain on-time payments to avoid late payment fees and a decrease in credit scores.

Late Fees

Although BNPL flights have many perks for customers, it charges a late payment penalty on missed installments and late payments. If you fail to pay back your BNPL loan or miss an installment, you will be charged a high late payment fee. The fee rate will increase as you miss more payments on time.

Alternative Third-party Payment Providers

More than 600 airlines all across the world provide BNPL plans. Several airlines directly partner with BNPL services, such as Affirm, Uplift, PayPal, and Afterpay. Before selecting a Fly Now Pay Later option, you need to review all the details, including loan amounts, term periods, installment distribution, down payment requirements, interest rates, APR, and late payment fees.

Afterpay

Afterpay is a great option for shoppers who are planning a trip and need to purchase items. It is a reliable third-party Pay later provider. You can buy products like shoes, clothes, cosmetics, and other things related to your vacation.

Afterpay has partnered with multiple retailers to provide users with the ease to finance their purchases. You can select Afterpay as your payment method on the mobile app or the retailer's website. Afterpay provides repayment plan terms ranging from 4 to 6 weeks.

You need to make your first payment at checkout, and all the other payments will automatically reduce from your account. Afterpay does not charge any interest rate for booking flights and purchasing items. Afterpay will charge you a 25% late payment fee if you miss an installment.

PayPal

PayPal is a popular online service provider where you can buy products and book flights. PayPal has added a "Pay in 4" offer that allows users to pay their loan amount in four bi-weekly installments. You just need to add PayPal as your payment method for booking a BNPL flight of any airline.

The lender will perform a hard credit check, and you will get the loan if you have a good credit history. PayPal does not charge any interest rate. However, you must pay a down payment at the time of purchase. After the first installment, all other payments will be automatic.

MarcusPay

MarcusPay has a partnership with JetBlue for BNPL service of flights, hotel reservations, and vacation packages. For using MarcusPay to book travel, you must select it as your payment method. Remember that you can only choose MarcusPay for your flight if it costs between $750 and $10,000.

If your flight cost is perfect for MarcusPay, provide the requested information. MarcusPay will hard check your creditworthiness, and you will receive an offer. MarcusPay requires users to have APR ranging between 10.99% to 25.99%. You can pay your payback amount in installments of 12 or 18 months. Marcus is a good option for using the BNPL offer if your loan amount is between the required reservation cost.

Uplift

Uplift is the most popular service provider of the Buy Now Pay Later option. It works directly with 11 airlines and offers multiple services for travel providers and websites. The process for using Uplift as a third-party provider for BNPL flights is similar to other services. You need to choose Uplift as your payment method and provide the information required.

After analyzing your personal information, the lender will hard check your credit. Once qualified, Uplift will provide you with an offer. You must maintain an APR of 0% to 36% based on your creditworthiness. You can choose repayment terms for installments of 11, 18, or 24 months with Uplift. For choosing Uplift, you need to make a down payment to qualify for financing.

Klarna

Klarna offers BNPL service for multiple flights in Europe. It is a Swedish online service provider popular in Europe. With Klarna, you can choose "Pay Now," "Pay Later," "Pay in 3", and "Pay in 4" installment plans. Pay Later option of Klarna is eligible for 14 to 30 days only like a line of credit. After applying for Klarna, there will be a soft credit check to see your creditworthiness.

If you get qualified, Klarna will send an invoice to your email address carrying the details of the repayment procedure. With Pay Later of Klarna, you must pay your full loan amount. You can also choose the "Pay in 3" and "Pay in 4" installment plans. With Pay in 3, Klarna will allow you to pay back in three interest-free monthly installments.

The Pay in 4 option of Klarna is available to residents of the United States and the United Kingdom. If you are a resident of the United States, you can divide your loan amount into 4 installments with a loan term of 12, 18, 24, and 36 months. A long-term loan option of Pay in 4 is the best option for expensive flight tickets.

Affirm

Affirm provide its BNPL service directly for only one airline, Delta Airlines. Also, you can only book your vacation packages with Affirm. It does not offer individual flights for Delta Airlines. Affirm offers purchases, including flights, from websites such as Expedia, CheapOair, and Priceline.

It would help if you chose 'Affirm' for booking a flight as your payment method. Then provide the basic information you have been asked to enter. After that, there will be a hard credit check to see whether you are able for Buy Now Pay Later flights.

If you get the approval, Affirm will give you installment plans for repayment. You can pay your payback amount with installments of 6, 12, and 18 months. With Affirm, you must maintain an APR from 0% to 30% according to your creditworthiness.

FAQs

Now that you know about BNPL flights, let us look at some frequently asked questions about the topic for further clarification.

Why Use Fly Now Pay Later?

Fly Now Pay Later makes your flights affordable and simple. A Fly Now Pay Later scheme will enable you to book a flight with any airline and manage your repayments in weekly or monthly installments. It means you don't need to wait for your salary, paycheque, or other resources. Also, it maintains your budget and keeps you on track to make more travels.

Flight tickets are an expensive part of travel, especially international flights costing more than domestic flights. The Fly Now Pay Later payment method can spread your flight cost in installments. If you want to travel to other countries for different purposes, Fly Now Pay Later is perfect. The application process is easy and simple, and weekly or monthly payments are automatic.

How Long Does Applying for a Fly Now Pay Later Plan Take?

Fly Now Pay Later service does not take long for the application process. You need a few minutes to select a pay later provider and enter your basic information. There will be a credit check of your creditworthiness for the service. The lender will give you an instant decision on your approval or rejection.

If approved for the BNPL service, you must make a down payment that some BNPL service providers require. Your lender will provide you with an offer, and you will be informed of the required APR or any other related fee based on your Pay Later provider. After these successful few minutes, you can easily travel to your destination and pay later for your BNPL personal loan.

What Happens If You Use "Buy Now and Pay Later" And Never Pay Back?

The process for BNPL services is similar to that of loans. Suppose you use a BNPL service and fail to pay back the amount on time. The interest rate of your loan will continuously add to your loan amount. Also, your lender will send a report of your late payment or missed installments to the credit bureaus.

Sometimes, you may get on a blacklist from taking a loan from the specific lender again. Missing installments and payments will impact your credit score, and you will have difficulty contacting other lenders. Consequently, you will not get any loans for other financial products like home loans or mortgages.

Is There a Credit Check When Using a Fly Now Pay Later Plan?

The credit check is dependent on the BNPL provider you choose at checkout. For BNPL flights, usually, a hard credit check is required. A credit check is necessary to see your repayment worth. According to your previous payment history, it allows your lender to qualify or disqualify you for the Buy Now Pay Later loan.

Credit check eligibility takes no longer time and provides an instant decision. You are eligible for the loan if you have an excellent credit score. However, if your credit score is good or fair, you should try and fill out the application. Maybe your on-time previous payments save you from getting disqualified. Users with poor or bad credit are more likely to be rejected.

Can I Pay Off Somebody Else's Flights Later If I'm Not the Account Holder?

Fly Now Pay Later plans do not require the passenger to do the application process and pay for the flight. Rather you can select and pay for someone else's flight. You need to choose an airline, provide the passenger details, and choose a pay later payment method.

The responsibility of terms and conditions is all on the account holder. If you are paying off someone else's flight, you will be responsible for all the payment plans and provided information. If you want to gift a flight to someone, you can buy a flight as a gift.

What Is the Spending Limit To Fly Now And Pay Later?

The spending limit is different for all Pay later options. Suppose you choose 'Affirm' as your payment method; you can take a loan of more than $15,000. The spending limit depends on the payment method you choose for your BNPL flights.

When you select a payment method option, the lender will provide instant finance. You can divide your loan amount into installments for several terms. The general loan term for BNPL options is 3 to 24 months. Also, you can pay off your installments on weekly or monthly payments.

Conclusion

Usually, Buy Now and Pay Later options are short-term personal loans. You use a third-party service provider and pay them back your amount in installments. With BNPL apps, you can book your travel, such as flights, hotels, and even the entire vacation. Once you buy your flight, you can pay the amount later in weekly or monthly installments.

Fly Now Pay Later is a good option for people with excellent credit scores who want to pay for their travel in 12 installments. Unlike other Buy now, pay later options, BNPL flights require a good credit score. Users are required to have an APR of 9.99%, which is lower than the average interest rate of credit cards. Consider some BNPL flights and choose which suits you more beneficially.

Article written by Robert Ferry
We are an unbiased knowledge center for finance and our goal is to help you make your own, educated decisions about getting your credit life turned around.
Credit Optimal is an unbiased knowledge center and our goal is to help you make your own, educated decisions to getting your credit life turned around.
Copyright © 2022 Creditoptimal.com