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There's plenty of companies that offer layby holidays, with flexible payment plans and the option to pay off your holiday in as much as 12 months.
Some also offer an interest-free period, which means that your finances don't have to hold you back from going on that last-minute vacation or scoring a great deal on a trip you find.
Of course, like with any loan or credit product, you'll need to make sure you make payments on time to avoid paying interest (if there is an interest-free period) and any additional fees.
As always, read what you're getting before you sign on the dotted line!
We share the benefits of booking with each company below along with some discount codes to help you save even more.
1. Flight Centre
Take your dream holiday without worrying about paying upfront with one of Australia's most popular online travel agencies.
Option to book last minute or months in advance.
Weekly, fortnightly and monthly options are available.
Book-now pay-later policy: Interest-free (for 6-9 months) holidays are for purchases of $999 or more. Applicants must be credit approved and must pay the loan in full by the end of the agreed upon term. Weekly, fortnightly and monthly payment agreements.
Spend less time worrying about payments and more time choosing which itinerary to take with easy access to zipMoney that will help you pay for your dream holiday now.
No deposit necessary.
Flexible monthly payment plans available.
zipMoney Policy: Interest-free for 6 months, after which interest will accrue at the standard annual percentage rate. Approved applicants only.
Never miss a trip with Lifetime deposits that never expire and payment plans that mean you never need to pay for a full trip upfront.
Only a $250 deposit is required to reserve your spot.
Trip can be paid in smaller payments up until 60 days prior to departure.
Hold this fee policy: The Holding an Option is available for tours and lets you hold the price or space in a tour for 48 hours. The option will expire and your space will be released unless you confirm within 48 hours.
Lifetime deposits policy: A confirmed tour which has been cancelled will be added to the the lifetime deposit which is the value of the deposit made on that tour. Lifetime deposits never expire.
Turn that dream holiday into a reality with an interest-free payment option available on all Luxury Escapes packages.
7-day "change of mind" refund guarantee.
Available on purchases up to $999.
Latitude Pay policy: Pay 10% up front and the rest in 9 weekly automatic payments. Sign up using your Visa or Mastercard credit/debit card. Subject to approval and late fees of up to $50 apply.
Never miss a trip with Lifetime deposits that never expire and payment plans that mean you never need to pay for a full trip upfront.
Only a $250 deposit is required to reserve your spot.
Trip can be paid in smaller payments up until 60 days prior to departure.
Hold this fee policy: The Holding an Option is available for tours and lets you hold the price or space in a tour for 48 hours. The option will expire and your space will be released unless you confirm within 48 hours.
Lifetime deposits policy: A confirmed tour which has been cancelled will be added to the the lifetime deposit which is the value of the deposit made on that tour. Lifetime deposits never expire.
8. TripADeal
Get your bucket list experience at unbelievable prices with the option to book now and pay later.
Minimum three-month interest-free period.
Choose from flexible repayment options: weekly, fortnightly or monthly.
Zip Money policy: Interest will accrue at the standard annual percentage rate after the interest-free period. A $6 monthly account fee applies if the balance is not paid by the due date. Approved applicants only.
Want to book layby holidays online? Use one of our coupons:
Lock your tour with $1 deposit plus get an extra 21% off when you choose My Own Room. Available on select travel dates in 2021. Destinations include Cairns, Uluru, Sydney, Brisbane, Wellington and more. T&Cs apply.
Available on select trips from April 2021 - April 2022. Destinations include Sydney, Cairns, Uluru, Perth, Gold Coast, Brisbane, Melbourne, Adelaide, Byron Bay, Darwin and more. T&Cs apply.
Available for travel from January 2021 - June 2022 and includes accommodation, meals, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available for travel from January 2021 - June 2022 and includes accommodation, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available for travel from January 2021 - June 2022 and includes accommodation, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Peru: Up to 30% off 9-day Amazon riverboat adventure
Available for travel from January 2021 - June 2022. Includes accommodation, meals, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available for travel from January 2021 - June 2022. Includes accommodation, meals, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available for travel from January 2021 - June 2022 and includes accommodation, meals, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available for travel from January 2021 - June 2022 and includes accommodation, meals, guides and transfers. Plus get an extra 21% off when you choose My Own Room. T&Cs apply.
Available on select trips from 22 March 2021 - 30 April 2022. Destinations include Koh Samui, Tokyo, Osaka, Ho Chi Minh City, Bangkok, Chiang Mai, Phuket, Singapore and more. T&Cs apply.
Available on select trips from 1 February 2021 - 30 April 2022. Destinations include Las Vegas, Los Angeles, New York, Toronto, Vancouver and more. T&Cs apply.
Available on tours from 1 March 2021 - 15 April 2022. Destinations include Germany, Austria, Greece, Switzerland, Netherlands, Athens, Italy and more. T&Cs apply.
Available on select dates until 2021 when you book for 12 persons. Destinations include Peru, Croatia, Maldives, Switzerland, Greece and more. T&Cs apply.
Available for travel on select dates in 2021 when you book for 8 persons. Destinations include Vietnam, Cambodia, Chile, Croatia, Switzerland and more. T&Cs apply.
Valid for travel from April - September 2021. Includes meals, accommodation, transport and more. Destinations include Athens, Mykonos, Santorini and more. T&Cs apply.
Taylor Lorenz is a writer for Finder, focusing on travel content. She has previously written guides for World Nomads, Matador Network and the Huffington Post, and she also writes for her own travel blog, Taylor’s Tracks. Taylor makes her way around the globe writing and beach hopping and can usually be found with a book and a cup of tea in hand.
Learn more about how PayActiv's Earned Wage Access service can help you access up to $500 of your paycheque for a $5 fee charged fortnightly (only if you access your wage before payday).
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