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8 sites to layby flights so you can book now and pay later

Secure that bargain holiday deal by booking on a site where you can layby your flight for up to 9 months.

The fact that payday hasn’t arrived yet shouldn’t mean that you have to miss out on snapping up a hot flight deal.

If you can come up with the cash by a deadline (so you don't pay interest), these websites will let you book for free or with a small fee/deposit, to let you secure that layby flight.

Where to book layby flights

pay later travel

1. Agoda

Bundle flights and hotels via an instalment plan and save up to 25% on the trip's total value.

  • Instalment payments available, including PayPal Pay in 4.
  • Available for flights and hotel stays.
  • Bundle with a hotel and save up to 25%.
  • Before making a booking, check the available payment methods listed on the booking page.

Go to Agoda


pay later travel

2. Pay Later Travel

Book the big elements of your trip (flights and hotels) and secure fantastic prices for a small deposit. Then, pay it off over 26 weeks, prior to your travel.

  • Upfront deposit on flights starts from just 10%.
  • Over 100 airlines to choose from, to destinations around the world.
  • Up to 26 weeks to pay off your trip, paid in weekly or fortnightly instalments.
  • Available for flights and hotel stays.
  • Interest free and no late fees. However, if you miss more than 2 scheduled payments your trip may be cancelled.

Go to Pay Later Travel


virginaustralia.booknowpaylaterflights

3. Virgin Australia

Book your flight now and pay it off over time, interest-free, using Zip Pay (purchases $350–$1,000) or Zip Money (purchases $1,000+).

  • Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments.
  • Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make a minimum monthly repayment of $40 and pay off your purchase in up to 6 months to avoid accruing interest.

Go to Virgin Australia


qantas.booknowpaylaterflights

4. Qantas

Choose between book now pay later via Zip or hold your fare for $25.

  • Qantas fare-hold deposit: $25 to hold your fare.
  • Qantas fare-hold policy: The fare-hold is available on select flights. When insurance or carbon offset are chosen you must add these extras after full payment is made. Final payment due dates vary by flight and will be listed at time of purchase. If you don't pay in time, your ticket will be cancelled.
  • Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments. Qantas also charges a 1.5% fee for using Zip, capped at $22 per passenger for domestic flights or $120 per passenger on international flights.
  • Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make minimum repayments per month and repay your purchase within a nominated period (3, 6 or 12 months) to avoid accruing interest.

Go to Qantas via Skyscanner


Jetstar.ThailandBookNowPayLater

5. Jetstar

Jetstar is paired with Afterpay – to let you lock in your seat before paying in full to fly.

  • Fees: Jetstar charges an Afterpay payment fee of 1.5% of your total booking.
  • Afterpay policy: Available on domestic flight bookings costing up to $3,000, including the 1.5% payment fee. Bookings must be made at least 48 hours before departure. Payment will be taken from a nominated bank account every 2 weeks for a total of 6 weeks (4 payments altogether, including the initial amount). If you can't pay, you'll be charged a fee and your Afterpay account will be frozen.

Go to Jetstar via Skyscanner


qatarholdmybooking

6. Qatar Airlines

Qatar's Hold My Booking feature gives you 72 hours to pay for your flight.

Whether you're waiting for a transfer of funds or need a few days to decide, take advantage of Qatar's Hold My Booking feature.

  • Qatar Hold My Booking fees: Varies depending on your region and how long you want to hold your booking for.
  • Hold My Booking policy: Must be booked at least 4 days prior to departure. Fare, including price, will be held for up to 72 hours.

Go to Qatar Airlines website


Girl on beach

7. AirAsia

The award-winning low-cost carrier offers Zip to get you between Australia and more than 140 destinations across Asia.

  • Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments.
  • Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make minimum repayments per month and repay your purchase within a nominated period (usually 3 months) to avoid accruing interest.

Go to AirAsia website


flightcentrebooknowpaylater

8. Flight Centre

It's all about interest-free holidays when you book your dream trip with Flight Centre via humm.

  • Airlines you can book with: Qantas, Jetstar, Virgin Australia, Emirates, Air New Zealand, Etihad, Qatar and more.
  • Fees: $99 annual fee.
  • Book now pay later policy: 12-month interest-free financing for purchases of $400 or more. Applicants must be credit approved and must pay the loan in full by the end of the agreed-upon term.

Go to Flight Centre website

What are the book now pay later terms with these sites?

Airline/booking siteBuy now pay later service usedRequired deposit or feeInterest-free/cancellation periodTerms
Virgin AustraliaZip
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Late fees and interest may apply
Up to 6 monthsYou must apply and be approved first to pay with Zip. Repayments start from $40 a month and can be in weekly, fortnightly or monthly instalments. Available for purchase of $300+.
QantasZipFor Zip financing:
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Qantas charges a fee of 1.5% of the booking total, capped at $22 per passenger on domestic flights or $120 on international flights
  • Late fees and interest may apply

For Qantas fare-hold:

  • $25 deposit to hold your fare
3, 6 or 12 months

Not available on round-the-world itineraries, flight vouchers, non-flight products and where carbon offset or travel insurance is included in your booking.

You must be approved to pay with Zip. Repayments start from $40 a month and can be in weekly, fortnightly or monthly instalments.

Flight Centrehumm
  • $99 annual fee
12 monthsAvailable for holiday purchases of $400 or more. Credit approval required. Minimal monthly repayments are required.
Pay Later TravelStripe
  • At least 10% of your total quote
30 days before travel Interest free and no late fees. However, if you miss more than 2 scheduled payments your trip may be cancelled.
Qatar
  • Varies
3 daysMust be booked at least 4 days prior to departure. Full payment must be made within within 72 hours.
JetstarAfterpay
  • First instalment taken on purchase
  • Jetstar charges a fee of 1.5% of the booking total
6 weeksAvailable on purchases of up to $3,000, including all fees.
AirAsiaZip
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Late fees and interest may apply
3, 6 or 12 monthsAvailable on select flights.

Which airlines have payment plans?

Many airlines offer payment plans through buy now pay later (BNPL) services.

These let you book now with a deposit and pay for your flight in instalments over a set period of time.

Airline/booking siteBNPLUpfront deposit/feeHow long you have to payTerms
QantasZip
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Late fees and interest may apply
3, 6 or 12 months
Virgin AustraliaZip
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Late fees and interest may apply
3, 6 or 12 months
Flight Centrehumm
  • First instalment taken on purchase
  • $99 annual fee
6–9 monthsAvailable for holiday purchases of $999 or more. Credit approval required.
JetstarAfterpay
  • First instalment taken on purchase
  • 1.5% of total purchase price
8 weeks after bookingLimited to domestic flight bookings between $200–$1,000.
AirAsiaZip
  • First instalment taken on purchase
  • $7.95 monthly account-keeping fee for every month you have a balance
  • $99 once-only establishment fee when using Zip Money
  • Late fees and interest may apply
6 monthsMust pay instalments of at least $40 per month plus a $6 account fee. Establishment fee may apply.

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Publisher

Stephanie Yip was the travel editor at Finder and has been writing about travel and lifestyle for over a decade. She has written for a range of travel publications including Thomas Cook Magazine and Showpo. Stephanie has a Bachelor of Communications from the University of Technology Sydney, Australia, and has visited over 50 countries (and counting). She has a passion for sharing her experiences and knowledge of travel and helping consumers stretch their travel cash while on holiday. See full bio

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