8 sites to book layby holidays online

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.

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2. Contiki

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.

Go to the Contiki website

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3. G Adventures

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.

Go to the G Adventures website

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4. Luxury Escapes

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.

Go to the Luxury Escapes website

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5. Scoopon

Get access to some of the best travel deals on the Internet with a flexible 10-week payment option.

• Shop now with just 10% down and pay your balance over 10 weeks.
• 7-day "change of mind" no questions asked guarantee.
• Latitude Pay policy: Subject to approval. Pay over 10 weeks for purchases between $20 and $999. Late fees of up to $50 apply.

Go to the Scoopon website

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6. RedBalloon

Much more than just experiences, RedBalloon offers a huge selection of hotel stays and getaways that you can pay for using Afterpay.

• Use promo codes and coupons to save even more on your stay.
• Choose from city stays, winery escapes and unique getaways like sleepovers at the zoo.
• Afterpay policy: Pay for your stay interest-free on orders up to $1,000 in 4 fortnightly instalments. Late fees apply.

Go to the RedBalloon site

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7. Webjet

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.