How to Pay Monthly for a Vacation: Payment Plan Options

Dreaming of a vacation but don’t have the full amount saved up? No worries! Many travel companies and airlines now offer vacation payment plans, allowing you to book now and pay in monthly installments. This makes travel more affordable and helps you spread out the cost over time.

How Vacation Payment Plans Work

Vacation payment plans let you:

✔ Book a trip with a small deposit (as low as $50–$200)

✔ Make monthly payments over a set period

✔ Travel before you finish paying (depending on the provider)

✔ Avoid high-interest credit card charges

There are several ways to book a vacation on a payment plan, including travel agencies, airlines, and third-party financing services.

Leading Companies Offering Vacation Payment Plans in Canada

1. Expedia – “Book Now, Pay Later”

 Payment Plan: Interest-free installments via Uplift

How It Works: Choose “Monthly Payments” at checkout

Destinations: Flights, hotels, all-inclusive vacations, and more

 Deposit Required? No, but credit approval is needed.

2. Sunwing Vacations – Pay Monthly for All-Inclusive Packages

 Payment Plan: Uplift financing for all-inclusive Pay monthly for a vacation

How It Works: Pay a deposit and split the rest into monthly payments

Destinations: Cuba, Mexico, Jamaica, Dominican Republic, and more

Deposit Required? Usually around $100 per person

3. Air Canada Vacations – “Travel Now, Pay Later”

Payment Plan: Financing through Uplift

How It Works: Book flights + hotel, then pay over 3, 6, or 12 months

Destinations: Worldwide

Deposit Required? Yes, the amount varies

4. WestJet Vacations – Monthly Payment Plans

Payment Plan: Uplift financing

How It Works: Apply for financing at checkout

Destinations: Mexico, Caribbean, US, Europe

Deposit Required? Varies by destination

5. Trip Support – Book With No Credit Check

Payment Plan: “Book Now, Pay Later” (no credit check required)

How It Works: Pay in bi-weekly or monthly installments

Destinations: All-inclusive packages, flights, hotels

Deposit Required? Low or no deposit for some trips

Other Ways to Pay Monthly for a Vacation

1. Credit Cards with Travel Rewards

Use a 0% interest credit card to book your trip and Pay monthly for a vacation off over time. Some cards also offer travel points and cashback.

2. Get Now, Pay Later Services (Affirm, Uplift, Klarna)

Some travel sites allow you to use BNPL services, which let you split payments into 4 or more installments.

3. Personal Travel Loans

Some banks offer personal loans for vacations, but be mindful of interest rates.

4. Layaway Travel Programs

Some agencies let you book a trip with a deposit and pay over time before departure.

Pros & Cons of Paying Monthly for a Vacation

✅ Pros:

✔ Travel sooner without saving for months

✔ Flexible payment options

✔ No or low interest (depending on the provider)

❌ Cons:

✖ Some plans require credit checks

✖ Missed payments can lead to extra fees

✖ May cost more due to interest charges

Final Thoughts

Paying monthly for a vacation is a great way to make travel more affordable without putting a big dent in your savings. Whether you choose an all-inclusive package, a flight + hotel deal, or a custom trip, there are plenty of financing options available.

Ready to book your dream vacation? Let me know your budget and destination, and I’ll help you find the best payment plan!