William Lipovsky
No credit check airline ticket financing is available for those who want or need to travel but find it easier to pay in installments instead of a large lump sum.
Specialized “fly now, pay later” companies that only finance airline tickets are one way to get tickets and pay over time. Traditional travel lenders and retail installment plans provide additional options.
We have what you need to know about fly now, pay later, no credit check options below.
The List
The following websites will allow you to book a flight now and pay for it in installments — and some don’t even require a credit check.
Airfordable
- Available for: Round-trip, one-way, and multi-city international and domestic flights costing $100 or more[1]
- Requires credit check? No[1]
- Repayment: You’ll pay a portion on the day you book, then pay off the balance in up to four installments.[1]
- Interest and fees: Variable, non-refundable service fee[1]
- Search for tickets
Flightlayaway.com
- Available for: Domestic and international flights[2]
- Requires credit check? No[2]
- Repayment: You’ll pay a 25% deposit for trips over $1,000, then pay in installments for anywhere from two to 20 weeks, depending on your trip details.[2]
- Interest and fees: 15% booking fee, $25 late payment fee, and $50 per ticket cancellation fee[2]
- Search for tickets
Uplift
- Available for: Flights, accommodations, and vacation packages[3]
- Requires credit check? Soft credit check[4]
- Repayment: Monthly installments[4]
- Interest and fees: Variable APR (0% to 36%) and finance charges; no late fees[5][6]
- Search for tickets
Affirm
- Available for: Flights, accommodations, and vacation packages[7]
- Requires credit check? Soft credit check[8]
- Repayment: Usually installments over three, six, or 12 months[9]
- Interest and fees: Variable interest; no late fees, prepayment fees, or account opening/closing fees[9]
- Search for tickets
What to Know Before You Book
There are a few things you should be aware of prior to booking with a buy now, pay later company.
These companies make their money from upfront fees, which can be expensive.
They typically charge around 15% of the ticket price or more, depending on your order details and repayment period.[2]
If you can finance your flight through your bank or local credit union, you may come out ahead in the long run.
And, of course, simply saving for a flight is your best bet to avoid interest and fees.
You might also want to find out whether or not you can fly with an expired license or, for more on travel payment options, see our article about airlines that allow split payments (and those that don’t).
