Hotel Payment Plans: How to Split Your Hotel Stay Into Installments (2026)
Where
Sezzle via Travorio is the only hotel payment plan with 0% interest, no hard credit check, and access to 5M+ hotels worldwide. Choice Hotels and Wyndham FlexPay charge interest and only work on their own properties.
Hotel Payment Plans: Split Your Stay Into Installments
A hotel payment plan splits your booking cost into smaller payments over time. Four providers offer hotel installment plans in 2026: Sezzle (0% interest via Travorio), PayPal Pay in 4, Choice Hotels FlexPay, and Wyndham FlexPay. Each works differently in terms of interest, credit checks, and which hotels are eligible.
Sezzle and PayPal Pay in 4 work with any hotel worldwide when booked through Travorio. Choice Hotels and Wyndham FlexPay only work on their own branded properties. This guide breaks down each option with exact terms so you can pick the right plan.
Sezzle via Travorio: 0% Interest on 5M+ Hotels
Sezzle splits your hotel booking into 4 equal payments over 6 weeks. Pay 25% at checkout, then 3 automatic payments every 2 weeks. Zero interest. Soft credit check only.
Works with every hotel on Travorio, including Marriott, Hilton, IHG, Hyatt, independent properties, and boutique hotels. Maximum order: $2,500. Available to US and Canadian residents.
Late payment fee: $10 per missed installment. You can reschedule one payment per order for free via the Sezzle app.
PayPal Pay in 4: Split Hotel Payments Through PayPal
PayPal Pay in 4 divides your hotel booking ($30-$1,500) into 4 biweekly payments with 0% interest. Soft credit check. Works on Travorio for all hotels.
PayPal also offers Pay Monthly ($199-$10,000) for larger bookings. Pay Monthly charges 0-29.99% APR and requires a hard credit check. Good for luxury or extended-stay bookings that exceed the $1,500 Pay in 4 limit.
Refund policy: If you cancel within the hotel's cancellation window, remaining payments are cancelled and completed payments are refunded to your PayPal account.
Choice Hotels FlexPay: Installments on Choice Properties
Choice Hotels (Comfort Inn, Quality Inn, Cambria, Radisson) offers FlexPay through Uplift. Split your booking into monthly payments over 3-12 months.
FlexPay charges interest: 0-36% APR depending on your credit score. Requires a hard credit check. Only available on choicehotels.com for Choice-branded properties.
Best for: Extended stays at Choice properties where you need 3+ months to repay and the $2,500 Sezzle cap is too low.
Wyndham FlexPay: Pay Over Time at Wyndham Hotels
Wyndham Hotels (Days Inn, Super 8, Ramada, La Quinta) offers a similar FlexPay program through Uplift. Monthly payments over 2-12 months.
Same terms as Choice Hotels: 0-36% APR, hard credit check, only works on wyndhamhotels.com. Not available through third-party booking sites.
For Wyndham properties under $2,500, booking through Travorio with Sezzle gives you 0% interest instead of potential 36% APR through Wyndham's own FlexPay.
Which Hotel Payment Plan Should You Choose?
For stays under $2,500 at any hotel: Sezzle on Travorio. 0% interest, no credit impact, 5M+ properties.
For stays $1,500-$2,500: Sezzle on Travorio (0% interest, $2,500 limit).
For stays over $2,500: PayPal Pay Monthly on Travorio (up to $10,000, interest applies) or hotel-direct FlexPay.
For Choice/Wyndham loyalty members who need 6+ months: Hotel-direct FlexPay, but expect interest charges.
How to Book a Hotel With a Payment Plan
Step 1: Search hotels on Travorio by city, dates, and guests.
Step 2: Select your hotel and room type. Proceed to checkout.
Step 3: Choose Sezzle (Pay in 4) or PayPal Pay Later as payment method.
Step 4: Get approved in seconds. Pay 25% now, rest in 3 biweekly installments.
Your booking is confirmed immediately with a real confirmation number. Track payments in the Sezzle or PayPal app.
Hotel Payment Plan Comparison 2026
Frequently Asked Questions
Common questions answered clearly and concisely
Yes. Sezzle and PayPal Pay in 4 on Travorio let you split any hotel booking into 4 interest-free payments over 6 weeks. Choice Hotels and Wyndham also offer payment plans on their own properties, but these charge interest.
Yes. Sezzle (via Travorio) splits your hotel booking into 4 equal payments over 6 weeks with 0% interest. PayPal Pay in 4 offers the same structure for bookings up to $1,500.
Sezzle and PayPal Pay in 4 only run a soft credit check that does not affect your score. Choice Hotels FlexPay and Wyndham FlexPay require a hard credit check through Uplift.
Sezzle allows up to $2,500 per booking. PayPal Pay in 4 allows up to $1,500. PayPal Pay Monthly covers up to $10,000. Choice and Wyndham FlexPay limits depend on credit approval.
Sezzle and PayPal on Travorio work with 5+ million hotels worldwide, including Marriott, Hilton, IHG, Hyatt, and independents. Choice FlexPay only works at Choice hotels. Wyndham FlexPay only works at Wyndham hotels.
If you cancel within the hotel's free cancellation window, remaining installments are cancelled and completed payments are refunded. Non-refundable bookings are not eligible for refunds regardless of payment method.
Yes. Sezzle (0% interest, 4 payments, 6 weeks) and PayPal Pay in 4 (0% interest, 4 payments, 6 weeks) are both interest-free. Both are available on Travorio for all hotels worldwide.
Most payment plans require 25% upfront. Some hotels on Expedia and Booking.com offer free cancellation with payment due at check-in, but these are not installment plans. For true pay-over-time, Sezzle requires 25% at checkout.
Yes. On Travorio, Sezzle works for any hotel including luxury properties, as long as the total is under $2,500. For luxury stays over $2,500, use PayPal Pay Monthly (up to $10,000) with interest.
Sezzle charges $10 per missed payment. PayPal may charge late fees and report to credit bureaus after extended non-payment. Choice and Wyndham FlexPay (via Uplift) charge late fees and may affect your credit score.
Ready to Book?
Search flights and hotels with crypto, Sezzle Pay in 4, or PayPal Pay Later.