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9 sites to book lay-by holidays online

Want to go on holiday but don’t have the cash right now? These sites let you book your dream holiday now and pay it off later.

There are plenty of companies that offer lay-by holidays, with flexible payment plans and the option to pay off your holiday in as much as 12 months.

Some also offer an interest-free period, which means that your finances don't have to hold you back from going on that last-minute vacation or scoring a great deal on a trip you find.

Of course, like with any loan or credit product, you'll need to make sure you make payments on time to avoid paying interest (if there is an interest-free period) and any additional fees.

As always, read what you're getting before you sign on the dotted line!

We share the benefits of booking with each company below along with some discount codes to help you save even more.

1. 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%.
  • No upfront deposit for stays.
  • Up to 26 weeks to pay off your trip, paid in weekly or fortnightly deposits.
  • 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


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2. Contiki

Spend less time worrying about payments and more time choosing which itinerary to take with easy access to Zip Money that will help you pay for your dream holiday now.

  • No deposit necessary.
  • Flexible monthly payment plans available.
  • Zip Money policy: Interest-free for 6 months, after which interest will accrue at the standard annual percentage rate. Approved applicants only.

Go to Contiki

View coupon codes for Contiki


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3. G Adventures

Never miss a trip with lifetime deposits that never expire and payment plans that mean you never need to pay for a full trip upfront.

  • Only a $250 deposit is required to reserve your spot.
  • Trip can be paid in smaller payments up until 60 days prior to departure.
  • Hold this fee policy: The Holding an Option is available for tours and lets you hold the price or space in a tour for 48 hours. The option will expire and your space will be released unless you confirm within 48 hours.
  • Lifetime deposits policy: A confirmed tour which has been cancelled will be added to the the lifetime deposit which is the value of the deposit made on that tour. Lifetime deposits never expire.

Go to G Adventures

View coupon codes for G Adventures


Photo Taken In Mesariá, Greece

4. Luxury Escapes

Turn that dream holiday into a reality with an interest-free payment option available on all Luxury Escapes packages.

  • 7-day "change of mind" refund guarantee.
  • Available on purchases up to $999.
  • Latitude Pay policy: Pay 10% upfront and the rest in 9 weekly automatic payments. Sign up using your Visa or Mastercard credit/debit card. Subject to approval and late fees of up to $50 apply.

Go to Luxury Escapes

View coupon codes for Luxury Escapes


Women visiting the old city of Hoi An in Vietnam by bike during morning

5. Scoopon

Get access to some of the best travel deals on the internet with a flexible 10-week payment option.

  • Shop now with just 10% down and pay your balance over 10 weeks.
  • 7-day "change of mind" no questions asked guarantee.
  • Latitude Pay policy: Subject to approval. Pay over 10 weeks for purchases between $20 and $999. Late fees of up to $50 apply.

View coupon codes for Scoopon


Photo Taken In Buenos Aires, Argentina

6. RedBalloon

Much more than just experiences, RedBalloon offers a huge selection of hotel stays and getaways that you can pay for using Afterpay.

  • Use promo codes and coupons to save even more on your stay.
  • Choose from city stays, winery escapes and unique getaways like sleepovers at the zoo.
  • Afterpay policy: Pay for your stay interest-free on orders up to $1,000 in 4 fortnightly instalments. Late fees apply.

Go to RedBalloon

View coupon codes for RedBalloon


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7. Flight Centre

Take your dream holiday without worrying about paying upfront with one of Australia's most popular online travel agencies.

  • Option to book last minute or months in advance.
  • Weekly, fortnightly and monthly options are available.
  • Book now pay later policy: Interest-free (for 6–9 months) holidays are for purchases of $999 or more. Applicants must be credit approved and must pay the loan in full by the end of the agreed-upon term. Weekly, fortnightly and monthly payment agreements.

Go to Flight Centre

View coupon codes for Flight Centre


Woman with yellow jacket walking in the electronic town district of Akihabara, the geek ward of Tokyo, Japan

8. TripADeal

Get your bucket list experience at unbelievable prices with the option to book now and pay later.

  • Minimum 3-month interest-free period.
  • Choose from flexible repayment options: weekly, fortnightly or monthly.
  • Zip Money policy: Interest will accrue at the standard annual percentage rate after the interest-free period. A $6 monthly account fee applies if the balance is not paid by the due date. Approved applicants only.

View coupon codes for TripADeal


Happy female traveling on boat, Krabi Thailand

9. Webjet

Never miss a trip with lifetime deposits that never expire and payment plans that mean you never need to pay for a full trip upfront.

  • Only a $250 deposit is required to reserve your spot.
  • Trip can be paid in smaller payments up until 60 days prior to departure.
  • Hold this fee policy: The Holding an Option is available for tours and lets you hold the price or space in a tour for 48 hours. The option will expire and your space will be released unless you confirm within 48 hours.
  • Lifetime deposits policy: A confirmed tour which has been cancelled will be added to the the lifetime deposit which is the value of the deposit made on that tour. Lifetime deposits never expire.

Want to book lay-by holidays online? Use one of our coupons

Deal

Up to 25% off Europe summer getaway trips

Explore the best of Europe in summer and save up to 25% off your trips. T&Cs apply.
Deal

Up to 25% off worldwide trips

Check out the Big Social Travel Sale and save up to 25% off trips here, there, and everywhere! T&Cs apply.
Deal

Up to 25% off Europe trips

Get up to 25% off select Europe tours with Contiki. Destinations include France, Spain, Italy, Germany, Switzerland, Iceland, and more. T&Cs apply.
Deal

30% off London to Berlin by Train

Save 30% on train adventures with stops in London, Paris & Amsterdam when you book at Contiki. T&Cs apply.
Deal

$282 off Cambodia and Laos adventure

Uncover the wonders of Cambodia and Laos with $282 off your bookings at Contiki. T&Cs apply.
Deal

$287 off Moroccan adventure

Book now & save 10% off your Moroccan adventure with Contiki. T&Cs apply.
Deal

5 nights with flights, transfers, bonus experiences at Radisson Blu Resort Fiji for only $1,990

Stay at Radisson Blu Resort Fiji for 5 nights for just $1,990pp* (valued at $2,740). Package includes flights, transfers, choice of bonus experience, and choice of VOU experience. Subject to availability. All prices are correct at the time of publication and are subject to change without notice. Surcharges and blockout dates may apply.
Deal

$589 off 10-day Japan tour

Available on select dates departing in 2024. Destinations include Osaka, Kyoto, Tokyo and more. T&Cs apply.
Deal

Up to 15% on Europe Winter

Discover more of Europe and experience the European magic with savings of up to 15% off at Contiki. T&Cs apply.
Deal

Up to 15% off select Latin America adventures

Available on select dates to destinations including Costa Rica, Peru, Colombia, Argentina, Brazil and more. T&Cs apply.
Deal

Up to 15% off select Africa tours

Experience the best of South Africa for 14 days and save up to 15% off your trips with Contiki. Available on select dates to destinations including Egypt, Morocco, Tanzania and more. T&Cs apply.
Deal

$377 off South Korea trips

Experience South Korea with Contiki and pay only $3,398, instead of $3,775. T&Cs apply.
Deal

Up to 15% off Asian adventures

Get up to 15% off select tours and escapades in Japan, South Korea, Cambodia, Thailand, Nepal, Malaysia, and more. T&Cs apply.
Deal

Trips under $1500

Travel more, and spend less with Contiki's trips under $1500. T&Cs apply.
Deal

Trips under $1200

See the world and make memories that last without breaking the bank with these trips for just under $1200 at Contiki. T&Cs apply.
Deal

Trips under $800

Whether you're looking for an outdoor adventure or a city break, there's a trip under $800 waiting for you at Contiki. T&Cs apply.
Deal

Up to 20% off Italian getaways

Get up to 20% off select tours and escapades in Italy with Contiki. T&Cs apply.
Deal

Up to 20% off USA, Canada or Europe travels

Get up to 20% discount on selected travel deals to Europe, Canada or USA at Contiki. T&Cs apply.
Deal

Up to 15% off select USA and Canada tours

Available on select dates to destinations including Las Vegas, Los Angeles, New York, Alaska, Vancouver, Toronto and more. T&Cs apply.
Deal

Up to 15% off Australia adventures

Save up to 15% on selected Australia travel packages at Contiki. T&Cs apply.
Deal

Up to 15% off select New Zealand adventures

Available on select travel dates until 2025. Destinations include Queenstown, Christchurch, Auckland, Wellington and more. T&Cs apply.
Deal

Up to 30% off Antarctica Expeditions

Available for travel on select dates until 31 August 2024. T&Cs apply
Deal

12th person free on worldwide tours

Available on select dates until 2023 when you book for 12 people. Destinations include Peru, Croatia, Maldives, Switzerland and Greece. T&Cs apply.
Deal

50% off eighth traveller

Available for travel on select dates until 2023 when you book for 8 people. Destinations include Vietnam, Cambodia, Chile, Croatia and Switzerland. T&Cs apply.
Deal

Get $50 off your next trip

Subscribe to Contiki's newsletter and receive a discount code for your next trip. T&Cs apply.

Popular Contiki coupon codes

Last checked Code description Code
22 Feb 2024 Up to 25% off Europe summer getaway trips ********
6 Feb 2024 Up to 25% off worldwide trips ********
10 Nov 2023 Up to 25% off Europe trips ********
1 Mar 2024 30% off London to Berlin by Train ********
1 Mar 2024 $282 off Cambodia and Laos adventure ********

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Author

Taylor Lorenz is a writer for Finder, focusing on travel content. She has previously written guides for World Nomads, Matador Network and the Huffington Post, and she also writes for her own travel blog, Taylor’s Tracks. Taylor makes her way around the globe writing and beach hopping and can usually be found with a book and a cup of tea in hand. See full bio

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