Flight Payment Plans: 6 Ways to Pay for Flights in Installments (2026)
Where
Sezzle and PayPal Pay in 4 are the only flight payment plans with 0% interest and no hard credit check. Southwest and United FlexPay only work on their own flights. Affirm charges up to 36% APR. Zip charges up to 34.99% APR on longer plans.
Flight Payment Plans: Split Your Airfare Into Installments
A flight payment plan lets you split your airfare into smaller payments instead of paying the full price upfront. Six providers currently offer flight installment plans in 2026: Sezzle, PayPal Pay in 4, Southwest FlexPay, United FlexPay, Affirm, and Zip. Each has different interest rates, payment schedules, credit requirements, and airline restrictions.
This guide compares all six options side by side so you can pick the right one for your trip. We cover the exact fees, approval process, payment timeline, and which airlines each provider works with.
Travorio offers Sezzle (0% interest, 4 payments) and PayPal Pay Later for all airlines. No hard credit check required.
Sezzle: 4 Payments, 0% Interest, All Airlines
Sezzle splits your flight cost into 4 equal payments over 6 weeks. The first payment (25%) is charged at checkout. The remaining 3 payments are automatically charged every 2 weeks. There is no interest and no hard credit check.
Sezzle works on any airline when you book through Travorio. There are no airline restrictions. Maximum purchase amount is $2,500. Approval takes seconds with a soft credit check that does not affect your credit score.
Sezzle is available to US and Canadian residents only. Late payments incur a $10 fee. You can reschedule one payment per order for free through the Sezzle app.
PayPal Pay in 4: Split Payments Through PayPal
PayPal Pay in 4 splits purchases between $30 and $1,500 into 4 biweekly payments. No interest is charged. PayPal performs a soft credit check for approval.
PayPal Pay in 4 works on Travorio for all airlines. It is also accepted on many other travel sites. The main limitation is the $1,500 cap, which may not cover long-haul international flights.
PayPal also offers Pay Monthly for larger purchases ($199 to $10,000) but this charges interest (0-29.99% APR depending on your credit). Pay Monthly requires a hard credit check.
Southwest FlexPay: Monthly Payments for Southwest Only
Southwest Airlines offers FlexPay directly on southwest.com. You can split your ticket into monthly payments over 3 to 12 months. Southwest uses Uplift as the lending partner.
The main drawback: FlexPay charges interest. APR ranges from 0% to 36% depending on your credit score. A hard credit check is required for approval. And it only works for Southwest flights booked on their website.
FlexPay is useful if you specifically want to fly Southwest and need more than 6 weeks to pay. For shorter payment timelines, Sezzle on Travorio offers 0% interest on any airline including Southwest routes.
United FlexPay: Installments for United Flights
United Airlines offers FlexPay on united.com for flights over $200. Payments are split into monthly installments over 2 to 12 months. United also uses Uplift as the lending partner.
Like Southwest, United FlexPay charges interest (0-36% APR) and requires a hard credit check. It only works for United flights booked directly on united.com. Codeshare or partner flights are not eligible.
United FlexPay makes sense for expensive international United flights where you need 6+ months to pay. For domestic flights under $2,500, Sezzle on Travorio gives you 0% interest with no credit impact.
Affirm: Longer Payment Plans With Interest
Affirm offers payment plans ranging from 3 to 36 months. It is accepted on some travel sites but not all airlines directly. APR ranges from 0% to 36% depending on the merchant and your credit profile.
Affirm performs a soft credit check for prequalification but a hard check for final approval on longer plans. The main advantage is longer repayment periods for expensive flights.
Affirm does not have a direct integration with most airlines. You can use it on third-party booking sites that accept Affirm, but availability varies. Travorio does not currently accept Affirm. For 0% interest options, use Sezzle or PayPal Pay in 4 instead.
Zip (formerly Quadpay): Pay in 4 With Variable Terms
Zip offers a Pay in 4 plan similar to Sezzle: 4 payments over 6 weeks. Zip also offers longer Zip Plus plans up to 12 months for larger purchases.
The Pay in 4 plan is interest-free for most purchases. Zip Plus charges 14.99% to 34.99% APR. Zip works with some travel sites including Hotels.com and Hotel Tonight but direct airline support is limited.
Zip requires a soft credit check for Pay in 4 and a hard check for Zip Plus. Late fees are $7 per missed payment. Zip is available in the US, Australia, and New Zealand.
Side-by-Side Comparison: Which Flight Payment Plan Is Best?
The best flight payment plan depends on three factors: how much interest you want to pay, which airline you want to fly, and how long you need to repay.
For 0% interest on any airline: Sezzle or PayPal Pay in 4 through Travorio. Both have no hard credit check and approval in seconds. The tradeoff is a shorter repayment window (6 weeks) and lower maximum amounts ($1,500-$2,500).
For longer repayment (6-12 months): Southwest FlexPay or United FlexPay if you are flying those airlines. Affirm if you need 12+ months. All three charge interest and require credit checks.
For the best overall value: Sezzle on Travorio gives you 0% interest, no credit check, all airlines, and approval in seconds. The only limitation is the $2,500 cap and 6-week repayment period.
How to Book a Flight With a Payment Plan on Travorio
Step 1: Search for your flight on Travorio. Enter your departure city, destination, dates, and number of passengers. All airlines are available.
Step 2: Select your flight and proceed to checkout. On the payment page, choose Sezzle (Pay in 4) or PayPal Pay Later as your payment method.
Step 3: Complete the approval process. Sezzle and PayPal both perform a soft credit check. Approval takes seconds. No documents or income verification needed.
Step 4: Pay 25% today. Your flight is confirmed immediately with a real booking confirmation. The remaining 75% is automatically charged in 3 biweekly installments.
You can track your payment schedule in the Sezzle or PayPal app. Both allow you to pay early with no penalty.
Flight Payment Plan Comparison 2026
Frequently Asked Questions
Common questions answered clearly and concisely
Yes. Southwest FlexPay and United FlexPay offer monthly installments over 3-12 months with interest (0-36% APR). For interest-free installments, Sezzle and PayPal Pay in 4 split your flight into 4 biweekly payments over 6 weeks with 0% interest.
Sezzle (via Travorio) and PayPal Pay in 4 both offer 0% interest flight payment plans. Sezzle has a higher limit ($2,500 vs $1,500) and works with all airlines. Neither requires a hard credit check.
Sezzle and PayPal Pay in 4 only perform a soft credit check that does not affect your credit score. Southwest FlexPay, United FlexPay, and Affirm require a hard credit check that may temporarily lower your score.
On Travorio, Sezzle and PayPal Pay in 4 work with all airlines worldwide. Southwest FlexPay only works for Southwest flights on southwest.com. United FlexPay only works for United flights on united.com.
Sezzle allows up to $2,500 per order. PayPal Pay in 4 allows up to $1,500. PayPal Pay Monthly goes up to $10,000 but charges interest. Southwest and United FlexPay have no published maximum but approval depends on creditworthiness.
Sezzle charges a $10 late fee per missed payment. PayPal may charge late fees and report to credit bureaus after extended non-payment. Southwest and United FlexPay (via Uplift) charge late fees and may report to credit bureaus, affecting your credit score.
Yes. If you cancel within the airline's cancellation policy, you receive a refund to your payment plan. Remaining installments are cancelled. If you already made payments, refunds go back to your original payment method.
Yes. Flight payment plans, buy now pay later (BNPL), fly now pay later, and pay-in-4 all refer to splitting your airfare into installments. The terms are interchangeable. The key differences are interest rates, repayment periods, and credit check requirements.
Spirit and Frontier do not offer their own payment plans. However, you can book Spirit and Frontier flights on Travorio and use Sezzle or PayPal Pay in 4 to split the cost into installments with 0% interest.
Yes. Sezzle and PayPal Pay in 4 on Travorio work for both domestic and international flights on any airline. The $2,500 Sezzle limit covers most economy international fares. For business or first class, PayPal Pay Monthly supports up to $10,000.
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