Fly Now Pay Later review: An app to book your vacation now and pay later

Written by: Andrew Dunn
• Updated •2 min read
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A father and small child walk along a beach in the sunshine.Image: A father and small child walk along a beach in the sunshine.

In a Nutshell

Fly Now Pay Later lets you pay for your vacation in installments for up to a year, but a competitive interest rate will likely depend on your credit and you may need to make a down payment.
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What you need to know about a Fly Now Pay Later personal loan

Fly Now Pay Later is an app that allows you to book travel — including flights and hotel stays — and pay for it in monthly installments. The service launched in the United Kingdom in 2015, but now also serves the United States and Germany.

This process is different from more traditional personal loans. With a standard personal loan, you’d typically try to prequalify for the loan, check your rate and then decide whether to formally apply. The lender then would deposit the approved funds directly into your bank account to use for anything from airline tickets to other expenses.

Not sure if Fly Now Pay Later is right for you?

Fly Now Pay Later is not your only option for booking travel and paying over time. Another option for spreading out the cost of a big expense like travel is to take advantage of an introductory 0% interest offer on a credit card. You’ll likely need good credit to get approved, but if you do, a card could be cost effective.

*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

About the author: Andrew Dunn is a veteran journalist with more than a decade of experience as a reporter and editor at North Carolina news organizations, including the Charlotte Observer and the StarNews in Wilmington. In those roles,… Read more.