Can You Use Affirm for Flights in 2026
Affirm works on some travel sites but charges interest. Here are 0% interest alternatives for flight payments.
Where
Affirm does work on some travel booking sites, but there is a catch most people miss. Affirm charges interest on most purchases. Rates range from 0% to 36% APR depending on your credit score, the merchant, and the purchase amount. A $500 flight at 15% APR over 6 months adds $22 in interest. Pay-in-4 alternatives on Travorio charge exactly 0% with no exceptions.
Where Affirm Works for Travel
Affirm is integrated with Expedia, Vrbo, Priceline, and CheapOair for hotel and vacation package bookings. Delta Air Lines tested Affirm for direct flight purchases. But availability varies by route, fare class, and your Affirm approval status. Affirm is not available on most airline websites for standalone ticket purchases.
The key issue with Affirm for travel is interest. Their 0% APR promotions are merchant-specific and time-limited. Most Affirm travel purchases carry 10-36% APR based on a hard credit check. A $800 international flight at 20% APR over 12 months costs $89 in interest. That defeats the purpose of spreading out payments.
0% Interest Alternatives on Travorio
Travorio offers three BNPL options that always charge 0% interest with no hard credit check. The total you see at checkout is the total you pay. No APR, no hidden fees, no credit score impact.
Sezzle: 0% Interest, 4 Payments (US and Canada)
Sezzle splits your flight into 4 equal payments over 6 weeks. Always 0% interest. Soft credit check only. Available for US and Canadian residents on Travorio. A $500 flight costs exactly $125 per payment with zero additional charges. Works on any flight from 750+ airlines.
Klarna: 0% Interest, 4 Payments (US Only)
Klarna Pay in 4 charges 0% interest on every purchase. No exceptions, no merchant-specific promotions. Soft credit check, instant approval. Available for US residents on Travorio. Klarna handles higher purchase amounts than Sezzle, making it suitable for premium cabin or long-haul international flights.
PayPal Pay Later: 0% Interest, Buyer Protection
PayPal Pay Later splits flights into 4 payments with 0% interest. Available in 7+ countries. PayPal buyer protection applies, which Affirm does not offer. If your flight is cancelled and the airline does not refund you, PayPal's dispute resolution can help recover your money.
Affirm vs Sezzle vs Klarna: Side-by-Side Comparison
Interest: Affirm charges 0-36% APR. Sezzle charges 0% always. Klarna charges 0% always. PayPal charges 0% always. Credit check: Affirm does a hard pull. Sezzle, Klarna, and PayPal do soft checks only. Payment schedule: Affirm offers 3-12 months. Sezzle and Klarna split into 4 payments over 6 weeks. Availability for flights: Affirm is limited to select merchants. Sezzle, Klarna, and PayPal work on all 750+ airlines via Travorio.
When Affirm Makes Sense
Affirm's longer payment terms (6-12 months) can make sense for very expensive purchases like first class tickets ($3,000+) or package vacations ($5,000+) where pay-in-4 would require large biweekly payments. If you qualify for Affirm's 0% APR promotion on a specific merchant, it is competitive. But for most flight purchases under $2,500, pay-in-4 with Sezzle, Klarna, or PayPal is simpler, cheaper, and does not touch your credit report.
How to Book Flights Without Interest on Travorio
Search flights on Travorio from 750+ airlines. Select your flight and proceed to checkout. Choose Sezzle, Klarna, or PayPal Pay Later. Confirm your 4-payment schedule. Pay 25% now, fly immediately, and pay the rest over 6 weeks. Zero interest guaranteed. You can also pay with Bitcoin, Ethereum, or 100+ cryptocurrencies at the real-time exchange rate.
Frequently Asked Questions
Common questions answered clearly and concisely
Affirm works on some travel sites (Expedia, Priceline) but charges 0-36% APR based on your credit score. Most flight purchases carry interest. Travorio offers Sezzle, Klarna, and PayPal Pay Later with guaranteed 0% interest instead.
Usually yes. Affirm's 0% APR promotions are merchant-specific and time-limited. Most travel purchases through Affirm carry 10-36% APR based on a hard credit check. A $500 flight at 15% APR over 6 months adds $22 in interest.
Sezzle and Klarna are better for flights because they always charge 0% interest with no hard credit check. They split payments into 4 installments over 6 weeks. Available on Travorio for 750+ airlines. PayPal Pay Later adds buyer protection.
Yes. Affirm performs a hard credit inquiry that appears on your credit report. This can temporarily lower your credit score by 5-10 points. Sezzle and Klarna only do soft checks that do not affect your score.
Affirm works on Expedia and Vrbo for some hotel bookings but typically charges interest. Travorio offers Sezzle, Klarna, and PayPal Pay Later for 5M+ hotels worldwide with guaranteed 0% interest and no hard credit check.
Related Guides
Fly Now Pay Later: Best Options for Flights in 2026
Compare every buy now pay later option for flights, from Sezzle to PayPal to Affirm, and find out which ones actually work.
Can You Use Klarna for Flights? What Actually Works in 2026
Klarna has limited flight coverage. Here are the BNPL options that actually work for travel.
Sezzle Flights: Pay in 4 Installments on Travorio (0% Interest)
Use Sezzle to split your flight cost into easy installments on Travorio.
Ready to Book?
Search flights and hotels with crypto, Sezzle Pay in 4, or PayPal Pay Later.