There are plenty of companies that offer lay-by 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.
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%.
No upfront deposit for stays.
Up to 26 weeks to pay off your trip, paid in weekly or fortnightly deposits.
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.
Spend less time worrying about payments and more time choosing which itinerary to take with easy access to Zip Money that will help you pay for your dream holiday now.
No deposit necessary.
Flexible monthly payment plans available.
Zip Money 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% upfront 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.
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.
Get your bucket list experience at unbelievable prices with the option to book now and pay later.
Minimum 3-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.
View coupon codes for TripADeal
9. 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.
Want to book lay-by holidays online? Use one of our coupons
Deal
Up to 25% off Europe summer getaway trips
Explore the best of Europe in summer and save up to 25% off your trips. T&Cs apply.
5 nights with flights, transfers, bonus experiences at Radisson Blu Resort Fiji for only $1,990
Stay at Radisson Blu Resort Fiji for 5 nights for just $1,990pp* (valued at $2,740). Package includes flights, transfers, choice of bonus experience, and choice of VOU experience. Subject to availability. All prices are correct at the time of publication and are subject to change without notice. Surcharges and blockout dates may apply.
Experience the best of South Africa for 14 days and save up to 15% off your trips with Contiki. Available on select dates to destinations including Egypt, Morocco, Tanzania and more. T&Cs apply.
Available for travel on select dates until 2023 when you book for 8 people. Destinations include Vietnam, Cambodia, Chile, Croatia and Switzerland. 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.
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