8 sites to book layby holidays online

Want to go on holiday but don’t have the cash right now? These sites let you book your dream holiday now and pay it off later.

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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.

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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.

Go to the Flight Centre website

View coupon codes for Flight Centre


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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

View coupon codes for Contiki


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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

View coupon codes for G Adventures


Photo Taken In Mesariá, Greece

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

View coupon codes for Luxury Escapes


Women visiting the old city of Hoi An in Vietnam by bike during morning

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

View coupon codes for Scoopon


Photo Taken In Buenos Aires, Argentina

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

View coupon codes for RedBalloon


Happy female traveling on boat, Krabi Thailand

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.

Woman with yellow jacket walking in the electronic town district of Akihabara, the geek ward of Tokyo, Japan

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:

Flight Centre - International Flight Centre - International

Flight Centre - International

Hawaii flights from $611 return

Available on select flights from 20 April - 30 November 2020. Sample fare is from Sydney-Honolulu with Jetstar. Other flights depart from Melbourne, Hobart, Perth, Brisbane and more.

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Contiki Contiki

Contiki

Up to 20% off worldwide tours

Available for travel on select 2020 dates. Destinations include Italy, France, Germany, Iceland, Greece, USA, Canada, Vietnam, Thailand, Japan, Laos, Australia and more. T&Cs apply.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

2-for-1 on worldwide tours

Available on select dates until 30 December 2020. Destinations include India, Africa, Vietnam, Egypt and more.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Save up to $1,247 on 10-day Vietnam trip

Available on select dates from 1 May - 30 November 2020. Package includes accommodation, meals, boat cruise, bicycle ride, transfers and more. T&Cs apply.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Save up to $922 on 12-day South Africa tour

Available on select dates until 31 December 2020. Package includes accommodation, meals, transfers, park entries, tour guide and more. T&Cs apply.

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Flight Centre - Holidays

Save up to $822 on 8-day India tour

Available on select dates until 31 December 2020. Package includes accommodation, breakfasts, transfers, tour guide and more. T&Cs apply.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Multi-city flights from $689 return

Available on select dates until 30 November 2020. Destination includes Paris, Tokyo, Koh Samui, San Francisco, Honolulu and more. Sample fare is Perth-Bangkok and Phuket with Thai Airways.

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Contiki Contiki

Contiki

Up to 25% off last-minute tours worldwide

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.

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Gate1 Travel - Tours Gate1 Travel - Tours

Gate1 Travel - Tours

9-day Japan tour with flights from $1,689

Available from 20 April - 14 December 2020. Package includes return flights, accommodation, meals and more.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Vancouver flights from $1,019 return

Available on select dates from 20 April - 8 December 2020. Sample fare is Melbourne-Vancouver. Other flights depart from Sydney, Brisbane, Perth and more.

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Flight Centre - International

Maldives flights from $494 return

Available for flights 1 March - 1 December 2020 with AirAsia. Sample fare is Sydney-Maldives. Other flights depart from Brisbane, Melbourne, Perth and more.

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Flight Centre - International Flight Centre - International

Flight Centre - International

London flights from $1,084 return

Available for travel from 16 January - 30 November 2020 with Philippine Airlines. Sample fare is Melbourne-London. Other flight departs from Sydney, Brisbane, Darwin, Adelaide and more.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Up to 10% off worldwide tours

Available on select dates until 30 December 2020. Destinations include Vietnam, Morocco, Sri Langka, Egypt, Portugal, Mexico and more.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Save up to $247 9-day New Zealand tour

Available on select dates from 20 April - 30 December 2020. Package includes accommodation and meals. T&Cs apply.

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Flight Centre - Holidays

London to Edinburgh 8-day rail trip from $875

Available on select dates from 1 May - 30 June 2020. Package includes accommodation and one way rail ticket from London to Edinburgh. T&Cs apply.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Bali flights from $249 return

Available on select dates 20 April - 30 November 2020. Sample fare is Perth-Bali with Jetstar. Other flights depart from Sydney, Melbourne, Brisbane, Adelaide and more.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Fiji getaways with flights from $1,069

Available on select dates in 2020. Accommodations to choose from are The Naviti Resort, Fiji Hideaway Resort & Spa, Hilton Fiji Resort & Spa, Plantation Island Resort and much more. Sample rate is for a 6 night getaway at Mango Bay Resort.

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G Adventures G Adventures

G Adventures

Save $1,543 on Amazon Riverboat and Machu Picchu adventure

Available on select travel dates. Package includes accommodations, meals, private van, guide and more. T&Cs apply.

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My Fiji My Fiji

My Fiji

Up to $3,000 free in extras Fiji packages with flights

Available for travel on select 2020 dates. Includes accommodation, return flights, daily buffet breakfast, transfers, kids stay for free and more. T&Cs apply.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Europe flights from $1,117 return with Singapore Airlines

Available on select dates from 4 May - 30 November 2020. Destination includes London, Rome and Paris. Sample fare is Sydney-Barcelona.

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Flight Centre - International

Asia flights from $536 return with Singapore Airlines

Available on select dates from 20 April - 30 November 2020. Destination includes Hong Kong, Manila, Ho Chi Minh City, Bangkok, Phuket, Tokyo and more. Sample fare is Perth-Singapore.

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G Adventures G Adventures

G Adventures

Up to 35% off hikes in South Africa

Available for travel 14 February - 1 April 2020 when you use the code. Destinations include Capetown, Oudtshoorn, Tsitsikamma National Park, Lesotho, Drakensberg and more. T&Cs apply.

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G Adventures G Adventures

G Adventures

Up to 15% off worldwide cruises

Available on select dates. Destinations include Galapagos, Vietnam, Greece and more.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Malaysia flights from $512 return

Available on flights from 1 March - 30 November 2020. Sample fare is Sydney-Kuala Lumpur with Air Asia. Other destination includes Kota Kinabalu.

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Flight Centre - International Flight Centre - International

Flight Centre - International

New York flights from $1,169 retrun

Available for flights 1 March - 8 December 2020 with Virgin Australia. Sample fare is Melbourne-New York. Other flights depart from Brisbane, Sydney, Perth, Hobart and more.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Cook Islands flights from $506 return with Air New Zealand

Available on select dates from until December 2020. Sample price is Sydney-Rarotonga. Other flight departs from Brisbane. T&Cs apply.

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Gate1 Travel - Tours Gate1 Travel - Tours

Gate1 Travel - Tours

Save $250 on 15-day India tour with flights

Available for travel from September 2020 - April 2021. Package includes accommodation, meals, tours, local guide and more. T&Cs apply.

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Gate1 Travel - Tours Gate1 Travel - Tours

Gate1 Travel - Tours

Save $400 on 6-night Amsterdam, Bruges and Paris tour

Available on select travel dates. Package includes accommodation, meals, local guide and more. T&Cs apply.

Last verified

Coupon code ends

Gate1 Travel - Tours Gate1 Travel - Tours

Gate1 Travel - Tours

Up to $411 off 9-night Greece tour with 4-day Greek Islands cruise

Available on select travel dates. Package includes accommodation, meals, local guide and more. T&Cs apply.

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Gate1 Travel - Tours Gate1 Travel - Tours

Gate1 Travel - Tours

Save $410 on 7-night Spain tour

Available on select travel dates. Package includes accommodation, meals, local guide and more T&Cs apply.

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Contiki Contiki

Contiki

Up to 20% of Europe tours

Available on select travel dates from March - October 2020. Destinations include Croatia, Venice, Rome, France, Netherlands, Switzerland and more. T&Cs apply.

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Contiki Contiki

Contiki

Up to 10% off Japan tours

Available for travel February - July 2020. Destinations include Tokyo, Hakone, Takayama, Hiroshima, Kyoto, Osaka and more. T&Cs apply.

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G Adventures G Adventures

G Adventures

Save $385 on Cape and Namibia adventure

Available on select travel dates. Package includes accommodation, meals, local guides and more. T&Cs apply.

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G Adventures G Adventures

G Adventures

Save $440 on 7-days Maldives dhoni cruise

Available on select travel dates. Package includes meals, transfers, guide and more. T&Cs apply.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Fiji flights from $561 return

Available on select dates from 4 May - 16 September 2020. Sample fare is Sydney-Nadi with Jetstar. Other flights depart from Melbourne, Brisbane, Perth, Adelaide, Hobart and more. T&Cs apply.

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Flight Centre - Holidays Flight Centre - Holidays

Flight Centre - Holidays

Africa: 12-day tour for two from $922

Available for travel until 31 December 2020. Includes accommodation, meals, park entry, transfers and more. T&Cs apply.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Bangkok flights from $329 return

Available for flights 1 March - 30 November 2020. Sample fare is from Perth with Scoot.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Barcelona flights from $1,117 return

Available for flights 1 March - 30 November 2020. Sample fare is Perth-Barcelona with Singapore Airlines.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Canada flights from $1,009 return

Available for flights 1 March - 8 December 2020. Destinations include Calgary, Toronto and Vancouver. Sample fare is Melbourne-Vancouver with Air Canada.

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Flight Centre - International Flight Centre - International

Flight Centre - International

Free 2 nights stopover in Abu Dhabi with Etihad Airways

Available on select travel dates from 16 January - 30 November 2020 on London flights. T&Cs apply.

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Popular Flight Centre - International coupon codes

Last checked Code description Code
20 Feb 2020 Save $250 on 15-day India tour with flights DLS****
20 Feb 2020 Save $400 on 6-night Amsterdam, Bruges and Paris tour DLA****
20 Feb 2020 Up to $411 off 9-night Greece tour with 4-day Greek Islands cruise DLG****
20 Feb 2020 Save $410 on 7-night Spain tour DLA****
20 Feb 2020 Hawaii flights from $611 return ********

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