Can I book flights with Zip on Laters.com?

Yes, you can use Zip to book flights through Laters.com, spreading the cost of your fare across instalments rather than paying the full amount upfront. Zip operates as a credit product, so approval is not guaranteed and a credit check applies. Available plans vary depending on whether you are based in the US, Australia, or New Zealand.

How soon do I receive my e-ticket after booking a flight with Zip?

Your e-ticket is issued once Zip has approved your payment and the booking is confirmed by the airline. This typically happens at the end of the checkout flow, after Zip completes its credit assessment. If you have any concerns about your booking confirmation, check your email and contact Laters.com support.

Does Zip run a credit check when I use it to book flights?

Yes, Zip performs a credit check as part of its approval process. The type of check (soft or hard inquiry) can vary by market and plan, so you should review the current terms on Zip's website before applying. Approval is not guaranteed, and your credit profile will influence which plans and limits are available to you.

What happens if I miss a Zip payment on my flight booking?

Missing a payment can result in late fees, depending on your plan and country. In New Zealand, for example, a late fee of up to NZ$40 per order applies (charged at NZ$10 per overdue week), and Zip Money in Australia carries an A$15 late fee. Missed payments may also be reported to credit bureaus, which could affect your credit score. Always check the specific terms for your plan on Zip's website.

Which Zip plan is best for a long-haul or higher-cost flight?

For higher-cost fares, the Pay in 8 plan (available in the US) spreads the cost across eight biweekly instalments of 12.5% each over 14 weeks, giving you a longer repayment window than Pay in 4. Australian travellers may have access to Zip Plus, which offers revolving credit from A$2,000 to A$20,000, though interest accrues daily on balances above A$1,000 at 13.70% p.a. (standard rate as at 1 April 2026). Per-order fees and merchant-set minimums may apply to Pay in 8, so confirm the costs on Zip's website before booking.

Which countries can use Zip to book flights on Laters.com?

Zip is currently available to travellers in the United States, Australia, and New Zealand. US customers can access Pay in 2, Pay in 4, and Pay in 8; Australian customers can access Zip Pay, Zip Plus, and Zip Money; New Zealand customers can access Pay in 4. If you are based outside these countries, Zip may not be available to you at checkout.

Can I use Zip to pay for business class or premium cabin flights?

Zip does not publicly publish a universal basket maximum, and merchant-set limits may apply depending on your plan and market. Whether a premium-cabin fare falls within your approved Zip credit limit will depend on Zip's assessment of your application. For the most accurate information on limits, visit Zip's website or check your Zip account.

What happens to my Zip instalments if I cancel my flight and get a refund?

If your flight is cancelled or you receive a refund, the airline or Laters.com will typically process the refund back to Zip. Zip will then adjust your outstanding balance accordingly, though the timeline and process can vary. You remain responsible for any instalments due until the refund is fully processed and confirmed by Zip. Contact both the airline and Zip directly to confirm the status of your refund.

Will using Zip to book flights affect my credit score?

Using Zip involves a credit check, which may affect your credit score depending on whether a hard inquiry is recorded in your market. Missed or late payments can also be reported to credit reference agencies, potentially lowering your score. Paying on time and in full helps protect your credit profile. Review Zip's credit reporting practices on their website for country-specific details.

Is Zip's Pay in 4 plan truly interest-free for flight bookings?

In the US and New Zealand, Zip's Pay in 4 plan is advertised at 0% APR, meaning no interest is charged on the instalments themselves, though per-order fees may apply in the US. In New Zealand, late fees of up to NZ$40 per order apply if payments are missed. This is still a credit product, and approval is subject to a credit check, so it is not a guaranteed or cost-free option for everyone.

Zip Flights: Split Your Fare, Pay Later

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Over a million travelers a year
find flights on Laters.com

4.8

Yes, it works

Yes — Zip Works for Flight Bookings on Laters

Zip works on every Laters flight — all airlines, routes, and fare classes. Select Zip at checkout, complete a credit assessment, and your e-ticket is issued once payment clears. Plans vary by country, and approval isn't guaranteed.

How to Book Flights with Zip on Laters

Search your flight

Enter your route and travel dates on Laters.com to compare flight prices across multiple providers and find the fare that fits your budget.

Select Zip at checkout

Choose Zip at checkout and complete a credit check for approval. Plans vary by country — Pay in 4, Pay in 8, or a revolving credit line, depending on where you are.

Fly now, pay later

Your e-ticket is issued once payment is approved. Repay your fare in scheduled instalments — some plans carry fees or interest, so review your terms before confirming.

Pay Your Flight Over Time with Zip

Zip lets you spread a flight's cost across fortnightly instalments or draw on a revolving credit line for larger bookings. Some plans carry an APR, and all require eligibility checks and approval.

Pay in 2

Two instalments

Advertised by Zip US alongside Pay in 4 and Pay in 8.

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Over a million travelers a yearfind flights on Laters.com

Yes — Zip Works for Flight Bookings on Laters