7 sites to layby flights so you can book now and pay later

1. Pay Later Travel

Book the big elements of your trip (flights and hotels) and secure fantastic prices for a small deposit. Then, pay it off over 26 weeks, prior to your travel.

• Upfront deposit on flights starts from just 10%.
• Over 100 airlines to choose from, to destinations around the world.
• Up to 26 weeks to pay off your trip, paid in weekly or fortnightly instalments.
• Available for flights and hotel stays.
• Interest free and no late fees. However, if you miss more than 2 scheduled payments your trip may be cancelled.

Go to Pay Later Travel

2. Virgin Australia

Book your flight now and pay it off over time, interest-free, using Zip Pay (purchases $350–$1,000) or Zip Money (purchases $1,000+).

• Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments.
• Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make a minimum monthly repayment of $40 and pay off your purchase in up to 6 months to avoid accruing interest.

Go to Virgin Australia

3. Qantas

Choose between book now pay later via Zip or hold your fare for $25.

• Qantas fare-hold deposit: $25 to hold your fare.
• Qantas fare-hold policy: The fare-hold is available on select flights. When insurance or carbon offset are chosen you must add these extras after full payment is made. Final payment due dates vary by flight and will be listed at time of purchase. If you don't pay in time, your ticket will be cancelled.
• Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments. Qantas also charges a 1.5% fee for using Zip, capped at $22 per passenger for domestic flights or $120 per passenger on international flights.
• Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make minimum repayments per month and repay your purchase within a nominated period (3, 6 or 12 months) to avoid accruing interest.

Go to Qantas via Skyscanner

4. Jetstar

Jetstar is paired with Afterpay – to let you lock in your seat before paying in full to fly.

• Fees: Jetstar charges an Afterpay payment fee of 1.5% of your total booking.
• Afterpay policy: Available on domestic flight bookings costing up to $3,000, including the 1.5% payment fee. Bookings must be made at least 48 hours before departure. Payment will be taken from a nominated bank account every 2 weeks for a total of 6 weeks (4 payments altogether, including the initial amount). If you can't pay, you'll be charged a fee and your Afterpay account will be frozen.

Go to Jetstar via Skyscanner

5. Qatar Airlines

Qatar's Hold My Booking feature gives you 72 hours to pay for your flight.

Whether you're waiting for a transfer of funds or need a few days to decide, take advantage of Qatar's Hold My Booking feature.

• Qatar Hold My Booking fees: Varies depending on your region and how long you want to hold your booking for.
• Hold My Booking policy: Must be booked at least 4 days prior to departure. Fare, including price, will be held for up to 72 hours.

Go to Qatar Airlines website

6. AirAsia

The award-winning low-cost carrier offers Zip to get you between Australia and more than 140 destinations across Asia.

• Zip fees: $7.95 monthly account-keeping fees while you have a balance. An establishment fee applies for Zip Money purchases. Late payment fees and interest may apply for late repayments.
• Zip policy: You must first sign up and be approved for Zip before you can use the service. This is essentially a line of credit. You'll need to make minimum repayments per month and repay your purchase within a nominated period (usually 3 months) to avoid accruing interest.

Go to AirAsia website

7. Flight Centre

It's all about interest-free holidays when you book your dream trip with Flight Centre via humm.

• Airlines you can book with: Qantas, Jetstar, Virgin Australia, Emirates, Air New Zealand, Etihad, Qatar and more.
• Fees: $99 annual fee.
• Book now pay later policy: 12-month interest-free financing for purchases of $400 or more. Applicants must be credit approved and must pay the loan in full by the end of the agreed-upon term.

Go to Flight Centre website