Thousands of travellers are changing the way they book flights with Paylater Travel

No, your credit score is totally unaffected when you book with Paylater Travel. Credit checks aren’t needed to secure your flight, because we aren't providing you with credit or a loan. Your seat is secured with a small deposit and the remainder is paid in weekly or fortnightly instalments before you fly.

Paylater Travel uses a layaway model instead of a credit model. Credit models charge customers interest on late payments. Using the Paylater Travel platform means no interest, no credit checks, no hidden fees and no compounding interest charges that could lead to debt. Plus, we offer more flexibility. Our customers can choose to pay in up to 26 weekly installments instead of being locked into just four payments.

Our platform is built specifically for buying flights. This means there’s no spend limit on Paylater Travel flights, so no need to worry when booking for groups or multiple flights which exceed common spend limits.

Paylater Travel lets you book and budget for your flights all in one place. Buy Now Pay Later services like Afterpay are simply payment methods, so you will still need to find and book your flight on a platform that accepts Afterpay.

Layby and Buy Now Pay Later might sound similar, but they work very differently:


Layby (Paylater Travel):‍

• You lock in today's price with a deposit, then pay it off before you travel
• No credit checks, no interest charges, no debt
• Flight is fully paid before departure, you never come home to bills
• Designed specifically for travel, with flexible payment schedules (up to 26 weeks)
• Helps you avoid price surges by booking early

‍Buy Now, Pay Later (Afterpay,Zip):‍

• You get the flight immediately but pay it off after (often after you've already traveled)
• Typically requires credit checks and has spend limits ($1,000-$2,000)
• Fixed short payment windows (usually 4 equal instalments over 6-8 weeks)
• Can charge interest or late fees if you miss payments
• Doesn't help you lock in prices early—you still need funds available at booking

Bottom line: Layby is about planning ahead and avoiding debt. Buy Now Pay Later is about getting something now and paying later. We're designed to help you travel smarter, without the debt lag.

Absolutely not! Paylater Travel is a travel saving tool that helps you budget for your trip. We clearly outline all costs upfront and offer flexible payment plans that work with your budget. There are no credit checks required, no hidden fees or compounding interest charges that could lead to debt. Plus, your flight ticket is only issued once you’ve paid in full.

Paylater Travel is a layby flight solution, not a ‘buy now, pay later’ provider. Buy now pay later providers like Zip and Afterpay often require 4 equal payments over 6-8 weeks, and will charge late fees for delayed payments – which impact your credit score. We allow you to pay much more flexibly in up to 26 payments, and never charge interest or late fees. And because your flight is paid in full before you fly, you’ll never come home to debt.

No, there's no spending limit on Paylater Travel bookings. Unlike BNPL providers like Afterpay and Klarna which typically cap purchases at $1,000-$2,000, we allow for much more flexible booking. Whether you're booking a single flight or multiple trips for your family, there's no maximum limit—meaning you can secure even premium international travel without worrying about spend caps.

Absolutely! We allow you to customise your payment plan to suit your budget. You can choose a deposit amount starting from 10%, 20%, 30%, 40% or 50% of the total fare, with the remainder being paid weekly or fortnightly before departure.

As a tip, many travellers choose to line up their payments with their paycheck, making budgeting as seamless as possible.