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Fly Now, Pay Later Canada

Discover the pay-later options available to Canadian residents

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Customers in Canada can pay later on over 600 airlines

Search flights at Alternative Airlines and set your currency to Canadian Dollars to access over 40 payment methods, including multiple buy now, pay later options. Choose from major carriers to regional airlines and pay back the cost in instalments.

Fly now, pay later with Alternative Airlines

Alternative Airlines is an IATA-accredited travel agency with a 4.9-star rating on Trustpilot.

Our aim is to make travel more accessible. One way we do this is by offering a wide range of payment options, including buy now, pay later.

The buy now, pay later providers you see at checkout will depend on:

  1. Your country of residence
  2. Your currency
  3. Your flight price

Other factors, such as your credit score, may impact eligibility.

Canadian customers will see up to six available buy now, pay later providers at checkout.

    Family. Affirm Emirates pop up in front.

    Book flights with 0% interest

    Avoid additional fees by selecting a 0% interest plan. These providers offer interest-free plans to Canadian customers.

    Affirm*

    • Affirm Pay in 4: Pay in 4 bi-weekly instalments, with payments ending 6 weeks after checkout.
    • Affirm Pay in 3 Months: Pay in 3 monthly instalments.
    • Plans exclude residents of Quebec.

    Klarna**

    • Klarna Pay in 4: Pay in 4 instalments, with the first at checkout and the rest every 30 days.
    A couple of students smiling while looking at a phone

    Afterpay

    • Afterpay Pay in 4: Pay in 4 bi-weekly instalments, with payments ending 6 weeks after checkout.
    • Plans exclude residents of Quebec.

    Sezzle

    • Sezzle Pay in 4: Pay in 4 bi-weekly instalments, with payments ending 6 weeks after checkout.
    • Sezzle Pay in 5: Pay in 5 bi-weekly instalments, with payments ending 8 weeks after checkout.
    • Plans exclude residents of Quebec.

    Flex Pay***

    • Flex Pay's interest-free options depend on consumer credit information, purchase details, and current loan activity rather than specific payment plans.

    Secure your flights now & pay later with 0 interest

    Canadian customers will have the option to choose an interest-free plan. Pay in instalments without any additional fees, subject to payments being made on schedule.

    A woman smiling and turning around

    Book flights with Monthly Financing

    Avoid large fees leaving your account in one go. Spread the cost of your flights further with Monthly Financing.

    Affirm*

    • Affirm pay in 6, 12, 18 or 24 monthly instalments.
    • Varying APR rates.
    • Plans exclude residents of Quebec.

    Klarna**

    • Klarna pay in 6 or 12 monthly instalments
    • Varying APR rates

    Flex Pay***

    • Flex Pay pay over 3, 6, 9, 12, 18 months
    • Varying APR rates may apply

    Book flights now & pay back in up to 24 months

    Canadian customers can spread the cost of their flights into instalments lasting up to 24 months. Monthly financing plans are interest-bearing.

    Additional eligibility requirements may apply

    Fly now, pay later Canada eligibility requirements

    Earth icon

    Be a resident of Canada (some options exclude Quebec)

    Dollar icon

    Be paying in CAD

    18+ icon

    Be aged 18 or over

    Trusted globally

    Rated Excellent on Trustpilot

    We’re super proud of our Trustpilot rating, but don’t just take it from us. See why millions of others love booking their flights through Alternative Airlines

    You don't have to be flying within Canada to pay later

    As long as you're a Canadian resident and you meet the other eligibility criteria, you can pay later for any flight travelling between any destinations! Pay later on all available flights when you book through Alternative Airlines.

    Fly now, pay later Canada FAQs

    How do I fly now, pay later?

    To book and secure your flights now without paying the full price up front, follow these simple steps:

    1. Search flights with Alternative Airlines: Alternative Airlines prides itself on its wide variety of buy now, pay later options, including 6 providers available to Canadians.
    2. Scroll to buy now, pay later at checkout: Here you'll see all the pay later providers available to you. Even if you're a Canadian resident, you may not see all 6 providers. This is because the cost of your flights can impact eligibility.
    3. Choose your plan & receive confirmation: You'll receive booking confirmation by email straight away (occasionally, this takes up to 24 hours).
    4. Pay back according to your schedule: To avoid late fees and negative credit impacts, please don't miss your payments.
    What if my payment plan ends after my flight departure date?

    You'll board your flight like normal, despite not having paid in full. You'll then continue paying for your flights on the agreed dates of your pay-later contract.

    Can I cancel flights booked with a buy now, pay later?

    Yes. Your eligibility for a refund depends on your ticket type, not on your chosen buy now, pay later provider.

    To be refunded, you must have booked a refundable ticket or have purchased Alternative Airlines' cancellation protection. This lets you cancel your flights in the event of an emergency.

    Can using buy now, pay later affect my credit score?

    Yes. This is why it is essential that you only choose a buy now, pay later plan if you know you will be able to make payments.

    Missed or late payments can lower your credit score, which will make it harder to obtain loans in the future.

    Can I fly now and pay later if I'm not a Canadian resident?

    Yes! Alternative Airlines offers buy now, pay later to residents of:

    *Affirm legal statement

    To qualify for financing, minimum purchase value of cart must be $50 before taxes and fees. Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories. Payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.

    **Klarna legal statement

    Klarna Financial Services UK Limited (company number 14290857) is authorised and regulated by the Financial Conduct Authority for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834).

    In order to offer you Klarna’s payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna’s Privacy Policy.

    ***Flex Pay legal statement

    Canada: Down payment may be required. Actual terms are based on your credit score and other factors and may vary. APRs range from 14.99%-34.99%. On occasion, promotional financing may be available starting at 0% APR. Minimum $99 purchase required. Not everyone is eligible. Applicants are subject to approval by Uplift Canada Services ULC, a subsidiary of Upgrade, Inc. Privacy Policy. Terms of Use. 410 Adelaide Street West, Suite 220, Toronto, Ontario M5V1S8.

    Page last updated: July 2026