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.
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.
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:
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Book a range of last-minute Contiki tours, from week-long jaunts to month-long journeys, to destinations including Italy, France, Germany, Iceland, Greece, Vietnam, Thailand, USA, Canada and more.
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.
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