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Vacation payment plans - book now, pay later.

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Vacation payment plans 

Jet off on your dream 2024 getaway with vacation payment plans by Expedia Affirm. From relaxing beach escapes to European city breaks, your next adventure is more affordable than you think thanks to Expedia’s book now, pay later vacations. Instead of paying the entire trip cost up front, pay-later travel deal lets you make monthly payments towards your adventure whether it’s in 2024 or 2025. Expedia Affirm gives you the option to spread the cost over 3, 6, or 12 months, with no hidden fees. This means you can bag the best travel deals with monthly vacation payment plans. 

Wondering where to take your kids for a summer break in the sun? Choose from a vast array of family vacation packages with payment plans. Your kids could soon be swimming with dolphins in Cancun or riding rollercoasters in Florida’s theme parks. If it’s a romantic retreat you’re seeking, whisk your partner away to an adults-only resort by the beach. You’ll encounter a plethora of all-inclusive vacations with payment plans to hot destinations, including the Caribbean and the Maldives. Play around with the easy-to-use search wizard to view a wide range of book now, pay later vacations. Simply select “Monthly payments” at checkout to book your pay-later travel deal. 

Worried your 2024 plans may change? No problem. Expedia Affirm lets you cancel or modify your booking at no extra cost. You’ll encounter epic vacation payment plans with flexible booking conditions for a vast array of accommodation, car rental, and travel packages. Read on for ideas and inspiration, with everything from romantic weekend getaways to all-inclusive vacations with payment plans. 

Book now, pay later vacations

1. choose your dream expedia vacation.

Take your pick from hundreds of book now, pay later vacation packages. Need inspiration for 2024? Scroll down and you’ll encounter plenty of ideas for relaxing vacations with payment plans, including short getaways and international adventures. If you’ve got somewhere in mind, tap your dates and destination into the search wizard to compare the best pay-later travel deals.

2. Select the plan that works for you

Ready to snatch up one of Expedia’s book now, pay later vacations? Then click “Monthly payments” at checkout, “Continue to Affirm”, and enter a few pieces of information. It’ll give you an instant, real-time decision and display the vacation payment plans available. Pick the one that suits you best and you’re all set – your dream escape is booked.

3. Make simple and easy payments

Once you’ve reserved one of Expedia’s book now, pay later vacation packages, create your account to set up monthly payments. You can do so through the Affirm website or by downloading the app. Whichever option you choose, you can set up automatic payments in a few quick and easy steps.

Why book now, pay later with Expedia?

Whether it’s catching a tan in the Caribbean or soaking up the culture in Europe, you can now jet off on the adventure you’ve been dreaming of for years. With a vast array of destinations and vacation types available, Expedia Affirm makes travel more affordable than ever. Here are just some of the benefits of booking Expedia’s buy now, pay later vacations. 

waiting until pay day to score the best discounts.

Frequently asked questions about payment plans to book now, pay later on Expedia

Can i pay monthly for my vacation with expedia.

Yes, you can pay monthly for your vacation with Expedia Affirm vacation payment plans. Simply choose your dream travel package and select “Monthly payments” at checkout. You’ll have the option to spread the cost over 3, 6, or 12 months, giving you financial flexibility when planning your dream getaway. These pay-later travel deals include all-inclusive escapes, family breaks, weekend getaways, and more. Thanks to Expedia’s vacation payment plans, you can now jet off on the adventure you’ve been dreaming of for years.

How to use Affirm on Expedia and where can I find this payment option?

To take advantage of Affirm’s vacation payment plans, choose your travel package and select “Monthly payments” at checkout. Click “Continue to Affirm”, enter your details, and you’ll get an instant, real-time decision. It’ll then display the final cost for spreading the cost over 3, 6, or 12 months. Choose the plan that’s right for you and you’re all set. You can then log in to Affirm or download the app to set up automatic payments.

How do I use Afterpay on Expedia?

Affirm is Expedia’s trusted partner for pay-later travel. Book with Expedia Affirm to spread the cost over 3, 6, or 12 monthly payments with simple interest and no hidden fees. You can even set up automatic payments on Affirm’s website or through the app. Expedia’s vacation payment plans are available on a vast array of packages, accommodation, and car rentals.

Is there a credit check when paying with a payment plan?

Yes, there is a credit check to see if you qualify for Expedia Affirm’s vacation payment plans. The good news is this pre-check will have no impact on your credit score. It’s quick and easy to perform, and you’ll get a real-time decision instantly. All you need to do is enter a few brief details to do the check.

Can I book all-inclusive vacations with payment plans?

With Expedia Affirm, you can book a vast array of all-inclusive vacations with payment plans. Choose to split the total cost of your escape into 3, 6, or 12 monthly installments. If you’re open to ideas and need inspiration, check out Expedia’s all-inclusive vacation packages to view some of the most popular deals. If you know where you’d like to jet off to, tap your dates and destination into the search wizard. Select the “All-inclusive” filter under “Meal plans available” to view hundreds of the best vacations with payment installments. Whether you’re craving white-sand beaches in the Bahamas or the tropical shores of Hawaii, your next getaway is more affordable than you think. 

Can I book family vacation packages with payment plans?

You can book a wide range of family vacation packages with payment plans thanks to Expedia Affirm. Once you’ve found your perfect 2024 escape, click the “Monthly payment” tab at checkout and follow the quick and easy steps. You’ll have the option to pay in 3, 6, or 12 monthly installments with simple interest and no hidden fees. Take a peek at Expedia’s family vacations for ideas and inspiration. If you’ve got somewhere in mind already, enter your dates and destination into the search wizard to view hundreds of the best pay-later travel deals. From Florida’s exhilarating theme parks to the Dominican Republic’s fun-filled kid-friendly resorts, your family adventure is just a few clicks away. 

What are the benefits of vacation payment plans?

Expedia’s book now, pay later vacations mean you can jet off on the dream trip you wouldn’t otherwise be able to afford in 2024. From romantic sunsets on Jamaica’s beaches to the elegant streets of Paris, the world is more accessible with Expedia Affirm. You’ll have the option to pay in 3, 6, or 12 monthly installments, and you’ll see the total cost up front. There are no hidden fees or late payment fees either, so you can rest assured that what you see is what you pay. Automatic payments are easy to set up and make for a hassle-free booking. Many of Expedia’s vacation packages even allow you to modify or cancel your trip at no extra cost, giving you peace of mind in case your 2024 plans change. As you no longer have to pay up front, you can nab the best travel deals before they’re gone – no need to save up or wait until payday.

How can I find great deals on vacation packages with payment plans?

If you’re keen to score the best deals on book now, pay later vacations in 2024, it’s a good idea to be flexible with your dates. You may find cheaper vacations on different days. For travel during peak season dates, be sure to book early to nab the best prices and your first choice of hotels – accommodation can fill up during busier months. If you plan to get away in low season, you may score a great deal for a last-minute escape. Another way to score great travel discounts is to take advantage of special offers, discounts, and promotions.

Are there any additional fees or interest charges for pay monthly vacations?

You’ll be pleased to know there are no hidden fees with Expedia Affirm’s monthly payment vacation plans. What you see is what you’ll pay. Before you confirm, you’ll be able to view the total cost of your book now, pay later vacation package. While most credit cards charge compound interest that’s complicated to work out, with Affirm you’ll pay simple interest on your monthly installments. Best of all, there are no late payment fees or just-because fees. Expedia Affirm’s simple and transparent pricing make booking your dream 2024 escape a breeze.

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'buy now, pay later' can help fund your next trip but here's what you need to know about these loans, select walks you through what you need to know if you're considering a point-of-sale loan to finance your next trip.

With summer in full swing, and many countries easing travel restrictions, you might be eager to plan a post-pandemic trip. Even if you managed to save some money ahead of time, travel expenses can quickly add up, and you might be tempted to choose the 'buy now, pay later' option that's offered at checkout on many travel websites, including Carnival or Expedia.

These point-of-sale loans are seductive to consumers who don't want to pay for their post-pandemic vacations with one lump-sum payment, allowing people to make payments over a fixed period of time, sometimes without high interest rates.

But is using the 'buy now, pay later' option to pay for your flights or hotel stays too good to be true?

Select explores some of the benefits and drawbacks of using 'buy now, pay later' for travel.

What are point-of-sale loans?

How do point-of-sale loans work, should you use point-of-sale loans for travel, bottom line.

'Buy now, pay later' providers (also known as point-of-sale loans) offer consumers the option to sign up for a payment plan either when they're buying something on a retailer's website or directly through the loan provider's website ahead of purchase

Point-of-sale loans give consumers the ability to make installment payments over a fixed period of time until they completely pay off their purchase. This means that you'll make payments toward your purchases bi-monthly or monthly depending on the plan and/ or provider.

These payments can typically be automated by providing your debit card or bank account information. While many providers boast 0% interest rates, some point-of-sale loans can have interest rates upwards of 30%, higher than the APRs on many credit cards.

Some of the most popular providers are Afterpay , Affirm , Klarna and Uplift . Klarna offers point-of-sale loans, some with 0% APR, that allow you to make four payments every two weeks and require a deposit at checkout, while Afterpay allows you to pay over six weeks. Afterpay, Uplift, Klarna and Affirm also offer consumers longer payment periods of up to one, two or even three years.

When you purchase a flight or an item, you're given different financing options at checkout, such as the opportunity to pay with a credit card, gift card or point-of-sale loan . You'll be redirected to the POS provider website where you can enter your personal information. 

Some companies won't perform a credit check while others will perform either a soft or hard credit inquiry . Soft credit checks don't negatively impact your credit score , but hard inquiries will temporarily decrease your score. Based on the information you enter, you'll either be approved or denied for the loan.

Afterpay doesn't do any credit checks while Klarna does soft and hard credit checks, depending on the loan.

The impact a point-of-sale one has on your credit score depends on whether the provider reports your payment history to the credit bureaus . For example, Affirm only reports your credit history to Experian for some loans and not others. For the loans that Affirm does report to Experian, your payment history, the length of your credit history with Affirm, the amount of your loan and your late payments can all show up on your credit report.

Make sure to read the terms and conditions of your POS loan to see if your negative payment history is reported to the credit bureaus.

Travel expenses might seem like the perfect opportunity to use a point-of-sale loan because it's oftentimes a big purchase that you might not have the immediate cash on hand to cover.

Klarna, Afterpay, Affirm and Uplift all offer 'buy now, pay later' option for certain travel partners. Affirm has partnerships with Delta Vacations, Priceline, StubHub and Alternative Airlines, a flight booking website. Uplift is exclusively focused on providing point-of-sale loans for travel, with around 200 travel partners , including United Airlines, Kayak , Southwest Airlines and Royal Caribbean. 

Uplift will help you cover transactions costing anywhere from $100 to $25,000. Interest rates range from 7% to 30%, but there are a few travel partners such as Carnival Cruise Line and Atlantis that have a 0% APR, according to Tom Botts, chief commercial officer at Uplift. The average APR for an Uplift point-of-sale loan is 15%, which is similar to the average APR for credit cards .

"We use a variety of factors to determine eligibility," Botts says. "Interest rates are based on a number of factors including credit history, transaction amount and time to travel."

Uplift also only performs a soft credit check which won't negatively impact your credit score.

If you're able to secure a loan with 0% APR and make your payments on time, a point-of-sale loan could be a good choice for funding a trip. But if those monthly payments won't easily fit within your budget, be wary of a POS loan and read the fine print beforehand to determine how much you'll end up paying in interest.

For example, if you use Affirm to finance your purchases on Alternative Airlines , you can only get a 0% APR on your point-of-sale loan if you buy a flight that costs less than $500. If your ticket costs more than $500 , you could incur an interest rate of up to 30%, depending on your creditworthiness.

If you spend $1,000 on a flight and choose a 12-month payment plan with Affirm, you'll have to cough up nearly $100 in interest if you have a 20% APR on your loan. One perk of using Affirm over a credit card is that you'll have a longer payment period (of 3, 6, 12 or 18 months) which helps to spread the expenses over time into more manageable payments. And with an installment loan from Affirm or Uplift, the interest doesn't compound month over month, so your payment stays the same over the loan's term.

But a big drawback of using point-of-sale loans for travel is having to deal with unexpected problems, like trip cancellations or delays, says Priya Malani, the CEO and founder of Stash Wealth.

"If a trip is canceled or delayed with unexpected fees, your loan is still due. You're on the hook for the agreed upon total. Even though you may have checked out in one fluid process, you're still working with two separate entities — the travel provider and the POS loan provider," Malani says.

When it comes to funding your resort stay in Cancun or your flight to the Maldives, there are other options for financing your trip.

Travel rewards credit cards offer higher rewards rates for money spent on travel and the points you earn can go toward booking flights or hotels. While travel credit cards typically come with an annual fee, some offer a 0% introductory period, so you won't have to worry about high interest rates kicking in for 12 months or longer. If you go the 0% APR route, make sure you set up a repayment plan and pay the minimum each month so you don't end up paying late fees or big interest charges.

The Chase Sapphire Preferred® Card is currently offering a welcome bonus offer where new cardholders can earn 60,000 points after they spend $4,000 on purchases in the first three months from account opening. Points can be redeemed for $750 worth of travel when booked through Chase Travel℠.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) is also a solid choice but comes with a smaller welcome bonus and higher rewards rate than the Preferred, giving 2X miles per dollar on every purchase and a welcome offer of 75,000 bonus miles if you spend $4,000 within three months of account opening.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees . Terms apply.

Travel cards also often come with additional perks such as car rental insurance, trip cancellation insurance and purchase protection. You won't get any of these perks when you use a POS loan for travel.

If you worry about putting a big expense on your credit card or you're only eligible for a POS loan with high APR, you should also consider creating a travel fund instead.

By saving your money in a high-yield savings account , you'll be earning more (thanks to compound interest ) than you would be if you put your money in either a checking account or a traditional savings account. Creating a separate fund for travel can also give you a money goal to strive for and setting up automatic monthly transfers can help you avoid spending money on other short-term, more frivolous purchases.

Point-of-sale loans are attractive because of how easy they are to use — you simply provide some basic information about yourself to the loan provider before checking out and you can instantaneously get a loan that will allow you to spread the cost of your trip over a few months. If you're not diligent about reading the fine print, however, there can be a lot of caveats to using the 'buy now, pay later' option, including high interest rates and late fees.

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Travel now, pay later with Affirm

Affirm financing is here to make your day. Because traveling the world should be easy. Period.

How it works

Find your trip

Whether it leaves next month or next year, pick the trip that’s right for you.

Select Affirm at checkout

Checking your eligibility is quick and easy, and you’ll get a real-time decision.

Pay over time

Go on your trip, and make easy monthly payments over 6, 12, or 18 months*

Is this a loan?

Technically speaking, yes. Our financing partner, Affirm, will lend you the money to pay for your trip, and you’ll pay them back over time.

Do I have to finish paying for my trip before I travel?

No, and that’s the beauty of booking with Affirm. No matter when your trip leaves, you’ll pay for it over 6, 12, or 18 months.

Does Affirm perform a credit check?

Affirm only performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. Checking your eligibility will not affect your credit score.

Are there any hidden fees?

Nope! You’ll know exactly what you owe up front. You’ll see your loan terms, including your APR and your monthly payment amounts, before you decide on a payment plan.

More questions?

Call us, beep us, send us a box of chocolate with your question inside—we’re here to help. You can reach us here . And you can learn more about Affirm here .

Keep your options open

*Subject to credit check and approval. Down payment may be required. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details.

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• Travel Tips

16 Airlines That Let You Book Flights Now and Pay Later

Planning a trip but don't want to pay for it all at once? These sites offer book-now, pay-later flights.

Orbon Alija/Getty Images

If you think a vacation is out of your reach, think again. Some airlines and online travel agencies have services that allow you to book a trip now and pay for it over time.

Affirm, PayPal, Uplift, and Klarna are among the book-now, pay-later services travel companies and airlines offer. Here, we break down the basics of these and airlines' own "BNPL" options so you can secure flights when the prices are lowest, even if you don't want to pay for them in full upfront.

Airlines Offering Book-now, Pay-later Flights

AeroMexico connects major U.S. cities to Latin American destinations like Guadalajara and Puerto Vallarta. The airline partners with Uplift to provide a monthly payment option. When you go to book a flight, you'll see an option to pay in monthly installments. Click through and you'll be asked for any personal information Uplift needs to process the loan.

You can also pay in installments through Klarna. Download the Klarna extension for Chrome or the app and you should see a pink "K" icon that will show you financing options. AeroMexico takes PayPal, which means you can use PayPal Credit to split up payments if you're approved.

Pay monthly for Air Canada flights and Air Canada Vacations packages with Uplift or PayPal Credit.

Alaska Airlines

Alaska Airlines partners with Uplift and Klarna to offer financing for flights.

Allegiant also uses Uplift and Klarna to provide payment plans. Select the Allegiant Pay option at checkout to choose financing through Uplift.

American Airlines

American Airlines offers several ways to buy now and pay later, including Klarna; PayPal Credit; Citi Flex Pay for select Citi cardholders; and Affirm, which has biweekly, monthly, and interest-free options but doesn't cover the cost of any flight extras, like luggage. American Airlines Vacations also gives you the option to pay monthly with Uplift.

Azul Airlines is a low-cost Brazilian airline that accepts payments through Uplift and PayPal.

Delta Air Lines

Delta offers PayPal Credit as a payment option, and you can pay using Affirm if you book your trip through Delta Vacations , a service for SkyMiles members that bundles flights, hotels, transportation, and activities.

One of the United Arab Emirates' two flag carriers, this airline partners with financing institutions Uplift and Klarna. You can also pay with PayPal Credit.

Frontier Airlines

Budget carrier Frontier Airlines lets you pay monthly installments through Uplift on purchases of $49 or more. If eligible, you will see the option at checkout. Frontier is also a Klarna retail partner.

KLM offers customers the option of holding a fare for 72 hours for a non-refundable fee. This is great if you find a fare that you want to book but need a few days to think about it. In addition, the airline takes PayPal Credit. This service is shown on the payment page as a "Bill Me Later" option, but directs you to your PayPal wallet.

Lufthansa has a list of payment methods on its website . Some monthly payment options are available specifically for residents of Brazil and Colombia. U.S. residents may pay monthly through PayPal Credit.

Porter Airlines

Porter , a Canadian airline, allows customers to use Uplift and PayPal to purchase flights across the U.S. and Canada.

Qatar Airways

Unless you're flying from Brazil, Brunei, or Kazakhstan, you can hold any Qatar Airways booking for up to 72 hours. How long prospective travelers can hold their Qatar flights depends on where they intend to fly to and from. The "Hold My Booking" option, available on the payment page, requires a non-refundable fee that doesn't go toward the price of your ticket. In most cases, you can also use PayPal Credit.

Southwest Airlines uses Uplift to break the cost of the flight up into fixed monthly payments. It also accepts PayPal Credit and Klarna.

Sunwing connects Canadian cities with destinations in Mexico and the Caribbean. You can pay for plane tickets in monthly installments through Uplift.

United Airlines

Use Uplift, PayPal Credit, or Klarna to pay for United Airlines flights in monthly installments. The company also has a program called FareLock that allows you to pay a fee to hold a fare for three, seven, or 14 days before paying for it in full. If you decide not to buy the ticket, you forfeit the fee. This service is offered only on itineraries wholly operated by United Airlines and/or United Express.

Online Travel Agencies Offering Monthly Payment Options

Alternative airlines.

Any ticket booked through Alternative Airlines can be paid for in weekly, biweekly, or monthly installments with Uplift. The online travel agency markets itineraries by more than 600 airlines, and Uplift financing can be used for all of them. You can also split payments through Klarna.

CheapOair.com

CheapOair uses Affirm to offer customers a monthly payment option.

Funjet Vacations

Funjet Vacations uses Uplift to offer monthly payments for its flights and vacation packages.

Priceline uses Affirm to handle monthly payments. Select the "monthly payments" option on the secure billing step of the booking process and choose from three-, six-, or 12-month options. Alternatively, break it up into four payments over six weeks using Klarna.

How Buy-now, Pay-later Services Work

Airlines and travel agencies partner with BNPL services like the travel-specific Uplift or the more broadly available Affirm to offer monthly payment options. Some take payments through PayPal Credit and/or Klarna. Learn about the differences between these services and how they work.

Affirm allows customers to pay monthly or every two weeks. Terms can last up to 48 months for the largest loans, but more typically, they last up to a year. Interest rates vary by person, ranging from 0% to 36% APR, and are determined at the time of sign-up. A down payment and credit check might be required when you apply for a loan.

To use Affirm, you will need a phone number to use as an account login. The service is available only in the U.S. and Canada. Once you've created your account and gotten approved for a loan amount, you can set up auto-pay or pay each month via the app or website. You can find a full list of Affirm's travel partners, including airlines and accommodations, on its website .

PayPal Credit

This is a monthly payment option provided by travel companies that take PayPal. Typically, you'll choose PayPal as your payment method, and once you sign into your PayPal account, you can choose PayPal Credit . As of 2023, the variable purchase APR is about 28% for new accounts, but you can avoid paying interest altogether if you pay the loan off within six months. Loan applications are subject to credit approval.

Uplift is the leading pay-over-time financing service in the travel space, partnering with cruise lines, hotel chains, airlines, and more. Once you have selected a product, like your flight, you are shown a per-month rate based on the price of the items in your shopping cart. When you get to the payment page and choose monthly payment as your option, you will be asked for some personal details, and once you click "check rate," you will be told whether you've been approved. Uplift offers an APR of 0% to 36% based on your credit. You won't be penalized for paying late or early, and you can set up autopay so the money comes out of your account automatically.

Klarna breaks up the price of your ticket into monthly payments or four equal payments to be made two weeks apart. Add the Klarna extension to your Chrome browser or download the app on your phone, then book your flight as usual, selecting Klarna at checkout. The first payment will be due upfront. Klarna offers an APR of 0% to about 30%.

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Payment options

You can pay with credit cards including:

• American Airlines Credit Card SM
• American Express
• Diners Club
• Union Pay (credit only)*

Citi® / AAdvantage® credit cards

AAdvantage® Aviator® Mastercard®

Travel is easier and more enjoyable when you have less to do and more to gain. The Citi ® / AAdvantage ® Platinum Select ® Mastercard ® can help you get the most out of your travel experiences.*

AAdvantage® credit cards

Enjoy an elevated experience with your AAdvantage ® Aviator ® Mastercard ® . You’ll have access to travel benefits and will earn miles on every purchase to help get you closer to your next trip.

AAdvantage ® credit cards

American Airlines AirPass℠

AirPass ℠ gives you an easy and convenient way to pay for spur-of-the-moment flights.

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Use UATP at more than 340 airlines, rail and travel agency merchants and you’ll get a payment and billing solution that helps you stay on track with your travel expenses.

American Airlines credit card

With the Fly Now plan, there’s no interest when you spend $150 or more if you pay in full within six months.****

Other ways you can pay

You can use Affirm and pay for your travel over time with a series of payments that work with your budget. Affirm can be used to pay for flights and seats, but is not available for other extras like bags.

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Payment options through Affirm are subject to eligibility and are provided by Affirm’s lending partners.

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A new way to pay for your next trip

Eligible Citi ® / AAdvantage ® cardmembers can use Citi ® Flex Pay at checkout on aa.com or through the American Airlines app and pay over time with fixed monthly payments.

Choose a payment plan that fits your needs

Split your next flight purchase of $75 or more into fixed monthly payments at checkout.

• No application or credit check requested
• Citi ® Flex Pay is an existing benefit of your Citi ® / AAdvantage ® credit card
• Earn Loyalty Points and AAdvantage ® miles on your purchase

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You can use PayPal for all travel except award tickets on aa.com or the American Airlines app if you reside in the U.S. or the United Kingdom. PayPal charges a cross border fee to residents of other countries.

When you’re ready to pay, choose PayPal and you’ll be redirected to their website to log in and confirm your payment. If your payment is declined by PayPal, your reservation will be canceled.

Don’t have a PayPal account? Create one for free today.

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You can pay with cash or check at some airport ticket counters or travel centers.

Airport information

Pay for your flights with plastic or virtual cards.***

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We issue 3 types of travel credit: Flight Credit, Travel Vouchers and Trip Credit. Travel credit can be used to book flights only and is not valid for extras like seats or bags.

• Flight Credit
• Travel Vouchers
• Trip Credit

Use your flight discount before it expires to buy flights.***

Flight discounts

**Available in: Australia, Belgium, China, Denmark, Finland, France, Germany, Greece, Guadalupe, Hong Kong, India, Ireland, Israel, Italy, Japan, Korea, Martinique, Netherlands, New Zealand, Norway, Portugal, Russia, Spain, Sweden, Switzerland, UK and U.S. (including Puerto Rico and U.S. Virgin Islands)

***Gift cards, eVouchers and Flight Discount are available in the U.S. (including Puerto Rico and U.S. Virgin Islands)

****With credit approval on all purchases totaling $150 or more on the American Airlines Credit Card. As of 12/20/2022, APR for purchases: Variable 29.99%. Minimum interest charge: no less than $2. See card agreement for details. Offer is valid for consumer accounts in good standing and is subject to change without notice. Minimum payments required. May not be combined with any other credit promotion offer. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.

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There are countless ways to book a vacation, but only Delta Vacations, the official vacation provider of Delta Air Lines®, gives you the benefits, flexibility and service to truly own your vacation experience. We offer all-in-one vacation packages, featuring Delta's notable flight service, the best hotels and curated experiences designed especially for SkyMiles® Members. Our vacations are inspired by hundreds of destinations; thousands of accommodations and endless activities; with more ways to rack up bonus miles and earn toward your Medallion® Status through the SkyMiles® Program and so much more.

Not a SkyMiles Member? Join for free today. , opens in a new window

Delta Vacations offers great vacation experiences from any city in the U.S. and Canada served by Delta Air Lines to more than 300+ vacation destinations around the world, including Mexico, the Caribbean, U.S., Hawaii, Canada, Central America, South America, Europe, Asia, Australia, New Zealand, Africa and the Middle East.

There are several ways to find the best deal on your vacation. Check out our Featured Offer ,  Top 10 Adult Vacations , opens in a new window , Top 10 Family-Friendly Vacations , opens in a new window , money-saving discounts, and how to earn bonus miles on vacation experiences.

You can use your miles to upgrade to First Class or Delta One™ when you purchase a qualifying air and hotel package from Delta Vacations. Find out how to upgrade to First Class .

It's easy to earn miles with Delta Vacations just by providing your SkyMiles® number. As a SkyMiles Member, you earn bonus miles, in addition to flight miles, on every vacation package. Learn more. , opens in a new window

SkyMiles® Members earn toward  Medallion Status , opens in a new window  on every vacation package. With Medallion Status, you can take advantage of an exclusive offer designed just for Medallion Members.

Yes. Exclusively with Delta Vacations, SkyMiles® Members can use their miles toward their getaway, while still earning miles along the way. Miles can be used:

• To purchase flight + hotel packages, plus car rental and activities
• For everyone on your booking
• To book packages to any of our 300+ destinations
• With no minimum or maximum number of miles

During the booking process, once you reach the payment step, you can choose miles as the form of payment and enter the amount of miles you would like to use. Online tools are available to calculate the value of your miles that can be used toward your vacation. Learn more , opens in a new window .

After you've picked your next dream destination, visit delta.com/vacations or call us direct at 1-800-800-1504.

Currently, up to four hotel rooms can be reserved on a booking. If you need more than four rooms, call the Delta Vacations Customer Engagement Center at 1-800-800-1504. If you prefer to purchase your vacation online, you can make separate bookings with up to four hotel rooms per booking.

Destination Wedding and/or Honeymoon packages to the Caribbean, Mexico, Las Vegas, Hawaii, Europe and Costa Rica are available to purchase online from Delta Vacations. For more information, call one of our Delta Vacations specialists at 1-866-238-5378.

Our Traditional Group sales and service specialists can customize travel planning for groups of 20 or more people to make the process seamless from start to finish. There are many advantages to arranging your Group Travel through our trained Group Reservations staff, and it's possible to get your air, hotel and tour options planned in just one phone call. Contact our Group Reservations office directly at 1-800-800-1504 between 8:30 am - 5:00 pm CST or 9:30 am - 6:00 pm EST, Monday through Friday to plan your group vacation.

For smaller groups of 10 or more, our Flexible Getaways program makes it easy for people to get together for a vacation. This program is ideal for small groups who want to vacation together at the same resort, yet need flexibility with their travel dates, flights or lengths of stay, or who may even be traveling from different cities. Contact our Specialty Sales office at 1-866-238-5378 between 7:00 am - 7:00 pm CST or 8:00 am - 8:00 pm EST, Monday through Friday to plan your next Flexible Getaway.

You can create your dream Ski & Mountain Vacation package when you book a flight and hotel package with Delta Vacations. Explore our portfolio of featured destinations , opens in a new window that offer exceptional properties, including boutique hotels, full-service condos and premier ski resorts. Delta Vacations packages do not include lift tickets, but many ski resorts offer lift tickets and equipment rental at an additional cost.

Requests such as bed type, non-smoking rooms, cribs and rollaways can be made during the reservation process. For more advanced requests or ADA accessible rooms, please contact the Delta Vacations Customer Engagement Center at 1-800-800-1504.

Delta Vacations is the official vacation provider for Delta Air Lines, which offers complete flight and hotel with optional car rental, flight and car rental or hotel and car/transfers packages. To purchase a flight only, please visit delta.com or contact Delta Air Lines at 1-800-221-1212.

Some of our more specialized packages require customization, and need to be handled by one of our vacation specialists. In addition, our vacation specialists are able to submit a request for special services like ADA accessible rooms. Please call 1-800-800-1504 for assistance.

We accept credit cards as form of online payment. You can use either American Express, Visa, MasterCard, Discover, Diners Club or Carte Blanche. Other accepted forms of payment are Delta Vacations Gift Cards, Delta Gift Cards or Delta Vacations-issued Travel Certificates.

Delta Vacations is offering a new way to pay for travel. With Affirm , opens in a new window , you can choose to make easy monthly payments to go on your vacation without having to pay for it all up front.

Delta-issued Transportation Credit Vouchers (TCV), Electronic Credit Voucher (ECV/E-TCV), Miscellaneous Charge Order (MCO), Delta Transportation Vouchers (DTV), Electronic Denied Compensation Credit or eGifts and Gift Cards will be accepted as payment toward a Delta Vacations package that includes airfare. 

All hotel and flight taxes and fees required by the U.S. government, as well as any applicable fuel surcharges, are included in our advertised prices and the prices quoted via our website or Delta Vacations specialists. Additional baggage charges for checked luggage may apply, as well as any applicable city taxes, hotel and resort fees collected in destination. Select destinations in Mexico, Central America and the Caribbean may collect a departure tax at the airport before you fly home. Departure tax amounts vary, but the specific amount you need to pay will be noted in your travel documents.

Car rental taxes and fees vary by destination and car plan booked. Unless noted, prices listed do not include car taxes or additional car fees and will be payable to the rental car company when you pick up the vehicle. Taxes owed for the base rental will be noted in your travel documents.

Delta Vacations creates promotional codes so a specific discount can be applied toward your booking. You will find the promo codes at Go Beyond the Flight , which you will add to your reservation. 

Totally and completely. When you sign in to make a reservation, all your transactions are protected by powerful Secure Sockets Layer (SSL) encryption technology and site verification provided by COMODO and the UserTrust Network. SSL encrypts your credit card number, name, address and phone number over the internet. This makes doing business over the internet as secure as purchasing by phone.

However, we understand that each person has their own level of comfort when it comes to making a purchase via the internet, and for that reason, you may also call our Customer Engagement Center at 1-800-800-1504.                         

Our Travel Protection Plan , opens in a new window protects you and your travel investment before and during your vacation. You can cancel your trip up to the moment of your scheduled departure for any reason, and have your travel investment protected. Medical and emergency assistance, reimbursements for travel and baggage delay and more are also included during travel.

The plan's hurricane policy refunds the cost of your vacation, including the cost of the Travel Protection Plan, and protects you from most cancellation penalties, if your destination is under a hurricane watch or warning, as declared by the National Hurricane Center (NHC).

Travel Protection Plan PLUS includes ALL the benefits of the Travel Protection Plan, PLUS a lowest-trip price guarantee and a more convenient method of payment on your refund.

Yes, you can. Simply call the Delta Vacations Customer Engagement Center at 1-800-800-1504 to redeem your Electronic Denied Compensation Credit. Please check your credit for full details.

The following fields can be modified:

• Frequent-flyer program and membership number
• Passport information
• Emergency contact information

To modify a reservation, go to My Trips on delta.com. Enter the lead traveler's first and last name and booking number or log in to your SkyMiles account. If you are having problems modifying your reservation, or need to make changes to items other than those listed, call Delta Vacations at 1-800-800-1504. 

To cancel a reservation, go to My Trips at delta.com. Enter the lead traveler's first and last name and booking number or log in to your SkyMiles account. Click the Cancel button at the bottom of your itinerary. Cancel fees may apply, and are outlined in the cancel fee section of your itinerary. If you are having problems, call Delta Vacations at 1-800-800-1504.

If you have made a reservation online, you will receive a confirmation email. The confirmation will contain:

• The itinerary and a listing of all items you have purchased.
• The booking number.
• A toll-free number to call if you have any questions regarding your reservation.

eDocuments are available for all destinations. Certain options do require paper documents to be mailed or express mailed depending on your travel date.

For options that do not qualify for eDocuments, and a reservation was made 11 days or more before departure, travel documents will be mailed the next business day via first-class mail for non-negotiable items or express mailed for negotiable items. If you made the reservation within 11 days, documents will be sent via an overnight express mail service, and the amount for express delivery will be included in your booking.

You may also access your itinerary through the Fly Delta App or using My Trips on delta.com. 

In your travel documents, you will be provided a toll-free number that will connect you to our Destination Help Center . This call center is staffed 365 days a year, to assist you with any problem that may arise.

Delta Vacations covers you in the event that a hurricane threat affects your departure city or your vacation destination. See our hurricane travel policy , opens in a new window for more information.

If you'd like to receive Delta Vacations specials via Delta Air Lines email, sign up here , opens in a new window . If you currently receive a weekly Delta Air Lines email, there is no need to sign up again. You can subscribe or unsubscribe at this site. We only send email specials to those who have requested them, and do not sell email addresses to third parties.

There are two ways to search for Delta Vacations deals. Visit Go Beyond the Flight , which features our latest promotion. Or opt in to receive emails from Delta Air Lines , opens in a new window , which highlight the latest and greatest news from Delta Vacations. Also, SkyMiles Medallion® Members can check out our exclusive Medallion offer , opens in a new window .

As of October 15, 2020, Delta Vacations no longer offers the Vacation Price Pledge. We are dedicated to providing the best customer experience for our customers, and we will be reinvesting our time and resources toward this purpose. While we have discontinued the Vacation Price Pledge, we will continue to strive to be cost competitive and deliver the best value possible. 

A Delta Gift Card can be used toward any Delta Vacations package that includes airfare or anywhere Delta flies Gift Cards may be purchased through delta.com, Delta Sky Clubs and authorized retailers nationwide including Target, Walmart, Best Buy, grocery stores including Kroger, Publix, Albertsons Safeway, pharmacy stores including Walgreens, CVS Pharmacy and Rite Aid, and home stores including Home Depot, Lowe’s and Bed Bath and Beyond. Delta Gift Cards are also available to add to (and buy from) wedding registries including The Knot, Zola and Honeyfund. Already have a Delta Gift Card? Delta Gift Cards can be redeemed with Delta Vacations online at delta.com/vacations or with Delta at delta.com/redeem . To check balance, visit delta.com/redeem and enter your gift card information. Previously issued Delta Vacations Gift Cards can be redeemed online or for assistance with your balance or redemption, please call 1-800-800-1504.

Our hotel ratings reflect the opinions from a variety of sources, including our travel experts, customer feedback and travel industry reference materials. Additionally, Delta Vacations makes your hotel or resort booking decision easier by recommending SkyMiles Members' Pick properties , opens in a new window , which have the highest customer satisfaction scores and are endorsed by our travel experts.

Many Mexico and Caribbean resorts offer a European Plan and/or an All-Inclusive plan. A European Plan hotel does not include any meals or beverages in the package price. An All-Inclusive hotel includes all meals and beverages in the package price. All-Inclusive plans do vary, so please check the specific hotels for details.

Many airlines assess a fee for checked luggage. These fees are payable directly to the airline, and are therefore not included in the Delta Vacations package price. Travelers with two separate tickets issued on two separate airlines should check each of the ticketing carrier’s specific baggage rules and will apply to each ticket. Travelers with flights on separate tickets will need to claim and recheck their bags, and pay any imposed baggage fees to the operating carrier while in transit. The various airlines used in conjunction with Delta Vacations packages are listed here  with links to the baggage fees for each carrier.                         

Domestic Travel All passengers 18 years of age or older are required to present one form of government-issued photo ID (such as a valid driver's license, and beginning May 3, 2023, the license must be a state-issued REAL ID compliant driver's license ). Or passengers must present two forms of non-photo identification, one must be a state or federal agency-issued ID (such as a U.S. Social Security card) before boarding a flight. Failure to present positive identification can result in denied boarding, and no refunds will be granted.

International Travel Government legislation requires all people traveling via air to and from the United States or Canada to have a passport. There may also be specific documentation required for minors traveling unaccompanied or accompanied by a person other than their parent or legal guardian. For complete details, see Entry Requirements , opens in a new window .

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Things come up, and we’ve got you covered, from  flexible changes   and cancellations to  travel protection plans .

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How do I pay for my cruise with Affirm?

At the end of your online booking process you will get to the  “Choose your payment amount”  window. Once there, select  “Pay the total balance"  and  “Use this payment method”  box in the Affirm section under  “How would you like to pay” .  You will make payments using the Affirm app or website.

Please refer to  helpcenter.affirm.com  for specifics regarding loan approval and payment. Payments made using Affirm are subject to the terms and conditions established by your agreement with Affirm.

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Enjoy 75% off your second guest’s cruise fare and get bonus savings of up to $200. Plus, additional guests in your stateroom sail free on select sailings.

Frequently Asked Questions

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What is Affirm?

Affirm offers instant decision options for you to cruise now, and pay later in 4-interest free payments or fixed monthly installments. Purchasing with Affirm is simple. Just pick your desired itinerary and select Affirm during checkout. Get a real-time decision on your qualification in only minutes with a quick application that won't affect your credit score.

If you have further questions about Affirm and/or your payments, please visit  helpcenter.affirm.com  for further information.

Best Buy Now, Pay Later Apps

Check out the best buy now, pay later apps with flexible repayment terms and few (or no) fees.

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Read over your financing agreement so you are aware of the terms and payment schedule.

Key Takeaways

• Buy now, pay later apps let you spread out the cost of a purchase over time, sometimes with no interest or fees. 
• Some of the best buy now, pay later apps for shoppers are Afterpay, Splitit, Paypal Pay in 4, Klarna and Affirm. 
• Buy now, pay later apps often don't require a hard credit check, though missing payments can damage your credit. 
• While buy now, pay later apps are convenient, be careful not to use them to spend past your means. 

Buy now, pay later apps let you spread out the cost of a purchase over a few weeks, months or years, depending on the plan you choose. Most apps offer a "Pay in 4" plan that spans six weeks and doesn't charge interest or fees. Longer terms may also be available, but these typically come with interest charges. If you're looking to finance a big purchase, read on to learn how BNPL apps work and get recommendations for the best ones.

• Best Overall BNPL App: Afterpay
• Best for No Credit Check: Splitit

Best for Large Purchases: PayPal Pay in 4

• Best for Small Purchases: Klarna
• Best for No Fees: Affirm

What are Buy Now, Pay Later Apps? 

BNPL apps let you purchase an item right away while paying it off over time, usually in biweekly or monthly installments.

"BNPL allows you to split your purchase into smaller, more manageable installments," says Bruce McClary, senior vice president of membership and media relations at the National Foundation for Credit Counseling. "The approval process for BNPL apps is often quicker and easier than traditional loans or credit cards, sometimes even bypassing a hard credit check."

Most BNPL apps offer a "Pay in 4" plan, which involves a 25% upfront payment and three more payments every two weeks after that. This six-week plan usually doesn't come with interest or fees, as long as you make your payments on time. Longer plans that span several months or years may also be available, but these typically come with interest rates up to 36%.

You can sign up for a specific BNPL service and shop through its website, app or, if available, virtual card. Alternatively, some retailers let you choose BNPL at checkout. You'll get an instant decision and can finalize your purchase after providing your payment details.

Best BNPL Apps

Here are recommendations for the best BNPL apps with flexible repayment terms and few fees.

Best Overall BNPL App: Afterpay 

Provides a virtual card you can use in stores.

On-time payments can cause your loan limits to increase. 

Integrates with Google Pay and Apple Pay.

Charges late fees. 

Monthly Pay plan can have interest rates as high as 35.99%.

Monthly Pay not available in Hawaii, New Mexico, West Virginia or Nevada.

More Information:

• Installments: Pay in 4, Monthly Pay over six or 12 months. 
• Interest rates: 0% - 35.99%.
• Minimum purchase amount: Varies by store.

Afterpay offers an interest-free plan that spans about six weeks, as well as monthly payment options that you can spread out over six or 12 months. APRs for Monthly Pay range from 6.99% to 35.99%.

While loan limits will vary by store and shopper, you could see your limit increase as you use Afterpay and make on-time payments. Afterpay also provides a virtual card and integrates with Google Pay and Apple Pay for convenient online and in-store shopping.

Best for No Credit Check: Splitit  

No credit check.

Doesn't charge interest or fees.

Works with your existing credit card.

Doesn't work with debit or prepaid cards.

Only available with certain merchants.

Authorizes full amount on your credit card at the beginning.

• Installments: Monthly.
• Interest rates: No interest or fees.
• Minimum purchase amount: Varies.

Splitit is a unique BNPL provider that lets you split up purchases on your credit card over two to 24 months. It's available at Splitit's partner merchants with your Visa or Mastercard, as well as American Express and Discover if the merchant allows. There's no credit check to use Splitit, since it works with a credit card you already have. When you use Splitit, you'll pay off an initial installment followed by monthly installments for a pre-set period of time.

Splitit will authorize the full amount to your card at the beginning to guarantee repayment. It will renew this authorization every 17 to 21 days until you've paid off the amount in full.

No late fees.

Comes with purchase protection benefit.

Can finance up to $10,000.

Only available for online purchases. 

Can only be used with merchants that accept PayPal.

Not available in all states.

• Installments: Pay in 4, Pay Monthly over six, 12 or 24 months.
• Minimum purchase amount: $30.

You can finance between $30 and $1,500 with PayPal's interest-free Pay in 4 plan, as well as between $199 and $10,000 with its Pay Monthly option. PayPal's Pay Monthly plan charges interest from 9.99% to 35.99% and spans six months to two years. PayPal's BNPL plans are only available when shopping online at merchants that accept PayPal. PayPal Pay in 4 is available in every state but Missouri and Nevada, while Pay Monthly is available everywhere but Arkansas, Hawaii, Massachusetts, Nevada, New York and Texas.

What to Know about PayPal Pay In 4

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Best for Small Purchases: Klarna  

Multiple repayment plan options.

Pay in 4 and Pay in 30 plans don't charge interest or fees.

Making on-time payments can increase your purchase power.

Must pass a hard credit check for monthly plans.

Not available in all 50 states.

Charges fees for late payments.

• Installments: Pay Now, Pay in 30 Days, Pay in 4, Monthly Pay over six to 24 months. 
• Interest rates: 0% - 33.99%.
• Minimum purchase amount: $35. 

Klarna may be a good option for small purchases, since its minimum purchase amount is just $35 and it offers both one-month and six-week repayment plans with no interest or fees. You can also choose a monthly plan that spans six to 24 months that comes with interest rates of 7.99% to 33.99%. Klarna's Pay in 4 plan is available in every state but New Mexico and Hawaii, while its monthly payment option is offered everywhere except Montana, New Mexico and Hawaii.

Best for No Fees: Affirm  

No late, prepayment, annual or account fees.

Repayment terms up to 48 months for large loans.

Offers both a virtual and physical Affirm card.

Can't change your payment due dates. 

Monthly pay interest rate can go up to 36%.

Late or partial payments could hurt your credit score.

• Installments: Pay in 4, Monthly Pay over one to 60 months.
• Interest rates: 0% - 36%.
• Minimum purchase amount: $50.

Affirm is a BNPL app that doesn't charge late fees, annual fees or prepayment penalties. Its Pay in 4 plan doesn't charge interest, while its monthly plan has rates up to to 36%. The most common terms for monthly pay are three, six or 12 months, but you might get terms from one to three months for small amounts and up to 60 months for large loans.

Affirm offers both a virtual and physical card that you can use while shopping in-store or online. Although this BNPL provider doesn't let you change your payment due dates, it does allow you to choose your date if you set up autopay.

Personal Loans for Bad Credit

Chris Kissell May 8, 2023

Tips to Use BNPL Apps Responsibly

BNPL apps offer a convenient way to purchase items you need now without having to pay the full cost upfront. However, this convenience can lead to spending past your means .

"There are certain risks associated with BNPL … such as overspending (and) impulse buying," says Ohan Kayikchyan, a certified financial planner and money coach.

Accruing too much debt could not only derail your budget, but it could also harm your credit if you can't afford your BNPL payments.

"Most BNPL accounts don't report positive account activity to credit bureaus," says McClary. "(However,) missed payments can be reported as past-due accounts or debt collection activity, which can negatively impact your credit score."

To use a BNPL app responsibly, read over all the terms and conditions of your financing agreement. Take note of your payment amounts and schedule, and come up with a plan to make all your payments on time.

If you're concerned about impulse shopping, consider saving up for an item before you buy. That way, you can pay it off upfront rather than relying on a financing plan like BNPL.

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