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How do I apply?

Shop for your items and add them to your cart like you normally would. When you are ready to check out, simply select Uplift as your payment method. To apply, you'll need to provide some basic information like your mobile number, date of birth, and if you are a US resident, your Social Security number. If you're approved, finish checking out and you're done.

How are my loan offers determined?

We look at a number of factors, including your credit information, purchase details, and more.

How do I make installment payments?

You can make a payment anytime by visiting pay.uplift.com and clicking on the Loans tab. From there, click the Make a Payment button. We recommend that you enable AutoPay at time of purchase so that your payments are automatically deducted each month. If you don't have AutoPay enabled, visit pay.uplift.com , click on the Accounts page, and set the AutoPay toggle to ON. You can also change the form of payment on file with Uplift anytime by visiting pay.uplift.com .

I purchased a trip using Uplift, can I travel before it’s paid off?

Yes! You do need to allow a few days between booking and your departure date for things to process. Other than that, you are free to travel whenever - even before you're all paid off.

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Here is a link to our Privacy Policy and Terms of Use .

Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 0% to 36%. Minimum $49 purchase required. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders. Privacy Policy and Terms of Use .

*0% APR offer available on 3 month terms between 4/1/2024-4/14/2024 for approved applicants purchasing Wanna Get Away Plus®, Anytime, and Business Select® tickets. Based on a purchase price of $200, you could pay a down payment of just $50 today, followed by 3 monthly payments of $50 at 0% APR. APRs range from 0%-36%, not everyone is eligible to receive a 0% APR offer. Minimum $49 purchase required. Actual terms are based on your credit score and other factors and may vary. Not everyone is eligible. Loans made through Uplift are offered by these lending partners:  uplift.com/lenders .  Privacy Policy .  Terms of Use .

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How to Make a Flight Payment Plan with No Credit Check

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If you need to buy a plane ticket but don’t want to pay the full amount upfront, an option to consider is purchasing your flight using a flight payment plan that doesn’t require a credit check.

This can be a valuable option for travelers who can’t or don’t want to pay the total amount of the flight right away but who also don’t want to put the travel on a credit card — which may carry a sizable interest rate. 

If you’re considering this option, keep reading to learn how to find a flight payment plan. 

What is a flight payment plan?

A flight payment plan is a buy now, pay later option for booking flights. While the specifics vary based on your particular plan and other factors, a flight payment plan involves paying for the flight over time in equal installments. Usually, you can find these payment plans as a checkout option on the airline or online travel agency's website. Look for buy now, pay later plans from companies like Uplift, Affirm, Klarna or PayPal Credit.

Here’s an example of how a flight payment plan works:

Say you want to buy a round-trip ticket on Southwest Airlines, flying from Oakland, Calif., to Fort Lauderdale, Fla. You find a ticket that departs on Sept. 6, 2023, and returns on Sept. 14 for $447.97. 

Southwest allows you to pay in full or spread out your payments at checkout using Uplift. Uplift is a company that will enable qualifying customers to pay $47.34 at booking and then pay an additional $47.34 each month for the following nine months. Using the Uplift option, you’d pay $473.40 for your flight — $25.43 more than if you paid directly.

Although you’ll end up paying slightly more for the flight using Uplift than you would if you paid in full right away, this can be a great option for travelers who don’t have a credit card or who want to avoid using a credit card, especially if the card has a high interest rate.

» Learn more: 5 ways credit cards can beat buy now, pay later plans

Why look for flight payment plans with no credit checks?

Before signing up for a flight payment plan, check to see if you’ll be subject to a hard credit check for approval. Many buy now, pay later services only do a "soft credit inquiry." The main difference between a soft and a hard credit check is that a soft credit check doesn’t affect your credit score, whereas a hard credit check will.

Your credit score is essential for several reasons, including getting preferential interest rates for car loans or home mortgages, which is why you should favor flight payment plans that don’t require hard credit checks.

» Learn more: 6 tips for traveling without a credit card

Making a flight payment plan with no credit check

If you’re looking to use a flight payment plan to buy a plane ticket, the next step is to book your travel with either an airline or a booking website that offers flight payment plan options — and be sure to look for one that doesn’t require a hard credit check.

Airlines and booking websites that offer flight payment plans with no hard credit checks include:

United Airlines.

Southwest Airlines.

American Airlines.

Alaska Airlines.

While the exact steps will vary based on who you’re booking with, you’ll typically take the following steps to book your flight and secure your payment plan:

Search for and select the flight you want to book. Indicate that you’d like to use a buy now, pay later plan.

Fill in the information required to set up your payment plan, which may include your name, birthday, Social Security number and phone number. 

If you’re approved, select the payment option you want to use.

After you find a plan that works for you, accept the plan. You’ll usually also have to make an initial deposit. 

If you want to book a flight with an airline or booking site that doesn’t allow you to set up a flight payment plan at checkout, you may be able to set up a plan directly with a buy now, pay later company. For instance, Zip.co allows you to set up a flight payment plan with Booking.com or Delta with no hard credit check.

» Learn more: The problems with using buy now, pay later to fund travel

Flight payment plans with no credit check recapped

If you’re purchasing a flight and don’t have the funds available to pay for it in full upfront — or if you’d rather spread out your payments over time — it’s worth considering a flight payment plan.

However, finding a plan that doesn’t require a hard credit check is best since that can lower your credit score. 

To secure a flight payment plan with no credit check, you should first look into airlines and booking websites that offer that option, such as Alaska Airlines, United and Priceline.

After you find a flight you like, fill in the relevant information and review your payment options. If the plan looks good to you, accept the terms, including paying an initial deposit.

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From the ancient pyramids of Egypt to the colorful streets of Thailand, the possibilities are endless with Qatar Airways and PayPal Credit. Enjoy the flexibility of paying for your next trip in low, monthly installments, interest free.* Simply choose the “Pay Later” payment option when booking on qatarairways.com.   

Start checking off the destinations on your bucket list. Book now, and pay when you can. 

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A guide to using buy now, pay later for travel

PayPal Editorial Staff

January 5, 2024

Planning a vacation? Buy now, pay later (BNPL) may be offered as a payment option when booking flights, hotels, or other travel accommodations.

Discover how BNPL options work for travel, from potential pros and cons to responsible practices and strategies if considering using it.

What is buy now, pay later for travel?

Buy now, pay later is an installment option that allows people to split up purchases into several smaller payments over weeks or months. It can typically be used for several types of purchases, from big-ticket items like electronics and furniture to travel expenses like hotels and airfares.

If BNPL is an available payment option for an airline, hotel, or travel retailer, individuals can opt for a payment plan at checkout. Normally, they would select the BNPL provider and apply in the checkout, but some providers may redirect applicants to their website to create an account and apply. Typically, applicants receive a near-instant decision, which may mean those looking to use buy now, pay later for travel can book their travel or vacation without a significant delay.

Depending on the BNPL provider , there may be interest fees and other charges, though some providers may offer plans with no interest. Be sure to review any terms before applying.

While application and approval requirements may vary depending on provider, here’s a breakdown of the general eligibility requirements and approval process:

• Meet the eligibility requirements:  These can vary based on the provider. People typically need to be at least 18 years old and provide personal details like their social security number and home address. Some BNPL providers may also assess income, payment history, and credit score.
• Agree to the terms:  Individuals must agree to the terms and conditions of a BNPL plan, including an installment schedule and any associated fees or interest charges.
• Receive a decision and book travel:  People usually receive a BNPL approval decision in seconds. If approved, they can book their travel using BNPL as their payment method.

Potential benefits of using buy now, pay later for travel

Before using buy now, pay later for a trip, consider the potential advantages:

• Flexibility:  BNPL may offer flexibility to spread the cost of a trip over time, allowing travelers to manage their budget and avoid a significant upfront expense.
• Interest-free options:  Some BNPL services may provide interest-free payment plans. For example, PayPal’s Pay in 4 allows people to split eligible purchases into four interest-free, bi-weekly installments. 1
• Accessibility:  Buy now, pay later may help make travel accessible to those with limited credit histories or low credit scores.

Potential downsides of using buy now, pay later for travel

There are some potential disadvantages to using buy now, pay later for travel expenses. Some examples include:

• Interest and fees:  Some BNPL providers may charge interest or fees if travelers miss payments or choose longer repayment terms, potentially increasing the overall cost of their trip.
• Overspending: While BNPL offers flexibility, it can also lead to overspending if travelers don't carefully budget for their installment payments. It also may tempt some to book more expensive trips than they can comfortably afford.
• Credit impact: Although certain buy now, pay later providers may not conduct hard credit checks initially, missed payments or defaults may negatively impact credit scores in the long run.
• Limited booking options:  Not all travel providers or agencies accept BNPL as a payment option.

Using buy now, pay later for travel responsibly

Here are some factors to consider when signing up for a BNPL plan for travel:

• Budget and plan:  Establish a personal budget  for travel plans that includes not only the upfront trip cost but also the future installment payments to ensure the overall expense remains manageable and within budget.
• Read the fine print:  Carefully read and understand the terms and conditions. Pay close attention to any interest rates, fees for missed payments, and the total cost of a trip when opting for BNPL.
• Responsible spending:  Avoid the temptation to overspend just because BNPL offers flexibility. It’s important to only buy on credit responsibly .
• Ensure timely payments : Commit to making payments on schedule to avoid late fees or interest charges. Setting up automatic payments  can help prevent missed deadlines.

Using BNPL for travel may offer convenience and flexibility for those looking to travel or book a vacation, but it should be done with careful consideration. Be sure to consider any fees or interest that may apply and keep track of when payments need to be made.

Learn about PayPal Pay Later .

BNPL for travel FAQ

What is buy now, pay later.

Buy now, pay later is a type of short-term financing method that allows people to split a purchase into several smaller installments over weeks or months. Some BNPL plans may be interest free, while others may include interest and fees.

Can buy now, pay later be used for flights?

Buy now, pay later can often be used for flights. Many airlines and travel booking platforms offer BNPL as a payment option at checkout. Travelers should budget and plan their payments accordingly before committing to a payment plan.

Can I book a vacation with buy now, pay later?

Individuals may be able to book a vacation using buy now, pay later. BNPL options are increasingly available for vacation planning, including flights, accommodations, and activities. Travelers can opt for BNPL at checkout and split the total cost into smaller installments. However, be sure to budget carefully and be aware of any potential interest or fees.

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Book a flight for only a fraction upfront

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Book with us and we'll secure your airfare in advance when prices are cheaper. Protect yourself from price hikes no one likes.

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Pay a one time service fee for each booking. No credit checks. We don't believe your credit score is the best representation of you.

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Now you have the option to not pay the full cost upfront for your ticket. With Airfordable you pay for your flight for a fraction upfront and the rest in installments before you travel. You will receive your e-ticket once the final payment is made. No gimmicks. No hassle.

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Join the AF community

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Elaine Jane Abesames

I'm really happy to have found Airfordable! They offer flexible installments which I love! It's truly a dream come true! Thank you for helping me book my dream vacation to the Bahamas!!!

I was able to book a flight to Madrid, Spain for me and my girlfriend this summer through Airfordable. Being that this is my first Euro trip, I'm super excited.

Autumn Dowis

I chose to book with Airfordable because it was simple, quick, easy, and affordable of course! As a full-time college student who also works full-time, Airfordable helped to ease the burden of a large up-front payment.

Catrina Banks

I decided to utilize Airfordable, because it gave me the opportunity to lock in the price on plane tickets while making payments that was convenient for my family. This was the best decision that I could have made!!

Frequently asked questions

Below are a few questions you might be itching to ask. If you don’t find what you’re looking for, email us at [email protected]

What is Airfordable?

Airfordable allows you to book a flight for a fraction of the cost upfront and pay the remaining balance in installments before your departure date.

Does Airfordable check my credit?

No. You are so much more than your credit score, so we don’t turn you into a three digit number.

Do you charge a service fee?

Yes, we do. Airfordable charges a one-time service fee. Sign in and use the installment calculator to determine your fee.

What happens if the price changes after I book?

Our crystal ball hasn’t arrived yet. Until it does, we cannot predict any price changes. With Airfordable, you are paying to protect your airfare from increasing in price which can be a lot more costly than price drops.

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'buy now, pay later' can help fund your next trip but here's what you need to know about these loans, select walks you through what you need to know if you're considering a point-of-sale loan to finance your next trip.

With summer in full swing, and many countries easing travel restrictions, you might be eager to plan a post-pandemic trip. Even if you managed to save some money ahead of time, travel expenses can quickly add up, and you might be tempted to choose the 'buy now, pay later' option that's offered at checkout on many travel websites, including Carnival or Expedia.

These point-of-sale loans are seductive to consumers who don't want to pay for their post-pandemic vacations with one lump-sum payment, allowing people to make payments over a fixed period of time, sometimes without high interest rates.

But is using the 'buy now, pay later' option to pay for your flights or hotel stays too good to be true?

Select explores some of the benefits and drawbacks of using 'buy now, pay later' for travel.

What are point-of-sale loans?

How do point-of-sale loans work, should you use point-of-sale loans for travel, bottom line.

'Buy now, pay later' providers (also known as point-of-sale loans) offer consumers the option to sign up for a payment plan either when they're buying something on a retailer's website or directly through the loan provider's website ahead of purchase

Point-of-sale loans give consumers the ability to make installment payments over a fixed period of time until they completely pay off their purchase. This means that you'll make payments toward your purchases bi-monthly or monthly depending on the plan and/ or provider.

These payments can typically be automated by providing your debit card or bank account information. While many providers boast 0% interest rates, some point-of-sale loans can have interest rates upwards of 30%, higher than the APRs on many credit cards.

Some of the most popular providers are Afterpay , Affirm , Klarna and Uplift . Klarna offers point-of-sale loans, some with 0% APR, that allow you to make four payments every two weeks and require a deposit at checkout, while Afterpay allows you to pay over six weeks. Afterpay, Uplift, Klarna and Affirm also offer consumers longer payment periods of up to one, two or even three years.

When you purchase a flight or an item, you're given different financing options at checkout, such as the opportunity to pay with a credit card, gift card or point-of-sale loan . You'll be redirected to the POS provider website where you can enter your personal information. 

Some companies won't perform a credit check while others will perform either a soft or hard credit inquiry . Soft credit checks don't negatively impact your credit score , but hard inquiries will temporarily decrease your score. Based on the information you enter, you'll either be approved or denied for the loan.

Afterpay doesn't do any credit checks while Klarna does soft and hard credit checks, depending on the loan.

The impact a point-of-sale one has on your credit score depends on whether the provider reports your payment history to the credit bureaus . For example, Affirm only reports your credit history to Experian for some loans and not others. For the loans that Affirm does report to Experian, your payment history, the length of your credit history with Affirm, the amount of your loan and your late payments can all show up on your credit report.

Make sure to read the terms and conditions of your POS loan to see if your negative payment history is reported to the credit bureaus.

Travel expenses might seem like the perfect opportunity to use a point-of-sale loan because it's oftentimes a big purchase that you might not have the immediate cash on hand to cover.

Klarna, Afterpay, Affirm and Uplift all offer 'buy now, pay later' option for certain travel partners. Affirm has partnerships with Delta Vacations, Priceline, StubHub and Alternative Airlines, a flight booking website. Uplift is exclusively focused on providing point-of-sale loans for travel, with around 200 travel partners , including United Airlines, Kayak , Southwest Airlines and Royal Caribbean. 

Uplift will help you cover transactions costing anywhere from $100 to $25,000. Interest rates range from 7% to 30%, but there are a few travel partners such as Carnival Cruise Line and Atlantis that have a 0% APR, according to Tom Botts, chief commercial officer at Uplift. The average APR for an Uplift point-of-sale loan is 15%, which is similar to the average APR for credit cards .

"We use a variety of factors to determine eligibility," Botts says. "Interest rates are based on a number of factors including credit history, transaction amount and time to travel."

Uplift also only performs a soft credit check which won't negatively impact your credit score.

If you're able to secure a loan with 0% APR and make your payments on time, a point-of-sale loan could be a good choice for funding a trip. But if those monthly payments won't easily fit within your budget, be wary of a POS loan and read the fine print beforehand to determine how much you'll end up paying in interest.

For example, if you use Affirm to finance your purchases on Alternative Airlines , you can only get a 0% APR on your point-of-sale loan if you buy a flight that costs less than $500. If your ticket costs more than $500 , you could incur an interest rate of up to 30%, depending on your creditworthiness.

If you spend $1,000 on a flight and choose a 12-month payment plan with Affirm, you'll have to cough up nearly $100 in interest if you have a 20% APR on your loan. One perk of using Affirm over a credit card is that you'll have a longer payment period (of 3, 6, 12 or 18 months) which helps to spread the expenses over time into more manageable payments. And with an installment loan from Affirm or Uplift, the interest doesn't compound month over month, so your payment stays the same over the loan's term.

But a big drawback of using point-of-sale loans for travel is having to deal with unexpected problems, like trip cancellations or delays, says Priya Malani, the CEO and founder of Stash Wealth.

"If a trip is canceled or delayed with unexpected fees, your loan is still due. You're on the hook for the agreed upon total. Even though you may have checked out in one fluid process, you're still working with two separate entities — the travel provider and the POS loan provider," Malani says.

When it comes to funding your resort stay in Cancun or your flight to the Maldives, there are other options for financing your trip.

Travel rewards credit cards offer higher rewards rates for money spent on travel and the points you earn can go toward booking flights or hotels. While travel credit cards typically come with an annual fee, some offer a 0% introductory period, so you won't have to worry about high interest rates kicking in for 12 months or longer. If you go the 0% APR route, make sure you set up a repayment plan and pay the minimum each month so you don't end up paying late fees or big interest charges.

The Chase Sapphire Preferred® Card is currently offering a welcome bonus offer where new cardholders can earn 60,000 points after they spend $4,000 on purchases in the first three months from account opening. Points can be redeemed for $750 worth of travel when booked through Chase Travel℠.

Chase Sapphire Preferred® Card

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Capital One Venture Rewards Credit Card (see rates and fees ) is also a solid choice but comes with a smaller welcome bonus and higher rewards rate than the Preferred, giving 2X miles per dollar on every purchase and a welcome offer of 75,000 bonus miles if you spend $4,000 within three months of account opening.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

19.99% - 29.99% (Variable)

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

See rates and fees . Terms apply.

Travel cards also often come with additional perks such as car rental insurance, trip cancellation insurance and purchase protection. You won't get any of these perks when you use a POS loan for travel.

If you worry about putting a big expense on your credit card or you're only eligible for a POS loan with high APR, you should also consider creating a travel fund instead.

By saving your money in a high-yield savings account , you'll be earning more (thanks to compound interest ) than you would be if you put your money in either a checking account or a traditional savings account. Creating a separate fund for travel can also give you a money goal to strive for and setting up automatic monthly transfers can help you avoid spending money on other short-term, more frivolous purchases.

Point-of-sale loans are attractive because of how easy they are to use — you simply provide some basic information about yourself to the loan provider before checking out and you can instantaneously get a loan that will allow you to spread the cost of your trip over a few months. If you're not diligent about reading the fine print, however, there can be a lot of caveats to using the 'buy now, pay later' option, including high interest rates and late fees.

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Single Powerball ticket wins $1.3 billion jackpot

• Updated: Apr. 07, 2024, 6:16 a.m. |
• Published: Apr. 07, 2024, 5:30 a.m.
• National Desk

DES MOINES, Iowa (AP) — A Powerball player in Oregon won a jackpot worth more than $1.3 billion on Sunday, ending a winless streak that had stretched more than three months.

The single ticket matched all six numbers drawn to win the jackpot worth $1.326 billion, Powerball said in a statement.

The jackpot has a cash value of $621 million if the winner chooses to take a lump sum rather than an annuity paid over 30 years, with an immediate payout followed by 29 annual installments. The prize is subject to federal taxes, while many states also tax lottery winnings.

The winning numbers drawn early Sunday morning were: 22, 27, 44, 52, 69 and the red Powerball 9.

Until the latest drawing, no one had won Powerball’s top prize since New Year’s Day, amounting to 41 consecutive drawings without a jackpot winner, tying a streak set twice before in 2022 and 2021.

The $1.326 billion prize ranks as the eighth largest in U.S. lottery history . As the prizes grow, the drawings attract more ticket sales and the jackpots subsequently become harder to hit. The game’s long odds for the weekend drawing were 1 in 292.2 million .

Saturday night’s scheduled drawing was held up and took place in the Florida Lottery studio just before 2:30 a.m. Sunday to enable one of the organizers to complete required procedures before the scheduled time of 10:59 p.m., Powerball said in a statement.

“Powerball game rules require that every single ticket sold nationwide be checked and verified against two different computer systems before the winning numbers are drawn,” the statement said. “This is done to ensure that every ticket sold for the Powerball drawing has been accounted for and has an equal chance to win. Tonight, we have one jurisdiction that needs extra time to complete that pre-draw process.”

Powerball is played in 45 states plus Washington, D.C., Puerto Rico and the U.S. Virgin Islands.

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