Fly Now Pay Later is a pay later scheme that allows holidaymakers to book flights online and repay the costs over a 3 to 18 month period by monthly instalments. This payment method offers holiday-goers a flexible and more affordable way to spread the costs of their getaway.

Yes, with the Fly Now Pay Later payment option, customers of select airline and travel companies can book their flights online and repay in monthly instalments over the span of a 3 to 18 month period.

Many online travel agents provide their customers with the option to buy their flights now and pay over a 3 to 18 month period. Some of the travel companies that offer Fly Now Pay Later include;

• Lastminute.com
• Travelpack
• Flymble
• Brightsun Travel
• Amongst many more

To use the Fly Now Pay Later to pay for your flights, you'll need to download the Fly Now Pay Later app and generate a virtual payment card. Then when you check out with the travel brand, select the option to pay with Fly Now Pay Later using your generated virtual card.

With Fly Now Pay Later you are provided with the option to;

• Borrow up to £3,000
• With no extra charges for early repayment
• Complete transparency for customers - with no additional fees

You will be able to repay the costs of your flights over instalments that last 3 to 18 months, either before you take your trip or soon after. In addition to repayments, you may be charged interest on your instalments. APR varies depending on financial circumstances and credit history from 0 to 44.99%.

In some cases, you may also be required to provide a small deposit when you book your holiday.

Fly Now Pay Later, performs credit checks to assess customer's affordability and creditworthiness, ensuring they can afford to make the repayments. Once you have applied to pay for your trip using Fly Now Pay Later within, seconds, you should receive a decision on your application for credit.

Fly Now Pay Later instalments will be collected exactly one calendar month after you made your booking. These payments will be collected by a Continuous Payment Authority (CPA) and customers will receive an email regarding your payments and the outstanding amount, 7 days before your next instalment is due.

Yes, with Fly Now Pay Later cancellations and amendments to bookings can be made; however, this is at the discretion of the travel agency with who you booked with. Customers should be aware of the additional charges that may be applied, which will be stated in the terms and conditions of your booking.

To be eligible to book a holiday using Fly Now Pay Later, you will need to be and should provide the following information;

• 18 years of age or older
• UK resident
• A UK mobile phone number
• Details of a valid UK debit or credit card, matching the billing address on your application

If you are unable to make a payment then you can contact Fly Now Pay Later directly to rearrange your next instalment. However, if you are unable to contact them directly in less than seven days before your payment is due, you will not be able to amend the repayment date.

Fly Now Pay Later is regulated by the Financial Conduct Authority (FCA).