There are plenty of companies that offer lay-by 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.
Book the big elements of your trip (flights and hotels) and secure fantastic prices for a small deposit. Then, pay it off over 26 weeks, prior to your travel.
Upfront deposit on flights starts from just 10%.
No upfront deposit for stays.
Up to 26 weeks to pay off your trip, paid in weekly or fortnightly deposits.
Available for flights and hotel stays.
Interest free and no late fees. However, if you miss more than 2 scheduled payments your trip may be cancelled.
Spend less time worrying about payments and more time choosing which itinerary to take with easy access to Zip Money that will help you pay for your dream holiday now.
No deposit necessary.
Flexible monthly payment plans available.
Zip Money policy: Interest-free for 6 months, after which interest will accrue at the standard annual percentage rate. Approved applicants only.
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.
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% upfront 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.
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.
Get your bucket list experience at unbelievable prices with the option to book now and pay later.
Minimum 3-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.
View coupon codes for TripADeal
9. 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.
Want to book lay-by holidays online? Use one of our coupons
Deal
Up to 25% off Europe summer getaway trips
Explore the best of Europe in summer and save up to 25% off your trips. T&Cs apply.
Experience the best of South Africa for 14 days and save up to 20% off your trips with Contiki. Available on select dates to destinations including Egypt, Morocco, Tanzania and more. T&Cs apply.
5 nights with flights, transfers, bonus experiences at Radisson Blu Resort Fiji for only $1,990
Stay at Radisson Blu Resort Fiji for 5 nights for just $1,990pp* (valued at $2,740). Package includes flights, transfers, choice of bonus experience, and choice of VOU experience. Subject to availability. All prices are correct at the time of publication and are subject to change without notice. Surcharges and blockout dates may apply.
Available for travel on select dates until 2023 when you book for 8 people. Destinations include Vietnam, Cambodia, Chile, Croatia and Switzerland. T&Cs apply.
Taylor Lorenz is a writer for Finder, focusing on travel content. She has previously written guides for World Nomads, Matador Network and the Huffington Post, and she also writes for her own travel blog, Taylor’s Tracks. Taylor makes her way around the globe writing and beach hopping and can usually be found with a book and a cup of tea in hand. See full bio
Australia's not short on kid-friendly locations, so we picked ten of the most fun locations around Australia to spend time with them over the study break.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
findershopping.com.au is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
