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Christine Herman said that using the service “buy now, paying later” to pay for the last minute in Miami, felt like a savior.
She said the approval was fast and there was no advance costs . But she accidentally missed the planned payment.
“One missed reminder turned into a fee,” she said Travel CNBC.
Rhine Theo, however, said he used the purchase now, pays later – either BNPL – plans to break the cost of staying on the weekend for his family on the Indonesian Island Bat.
His experience of splitting for three monthly installments? “It’s easy and convenient,” he said.
Both Herman and the theo are part of the increasing number of travelers using BNPL services to pay flights, hotels and cruises in installments, in some cases without interest and untimely fees.
BNPL Klarna Company announced in September that the cost it treated last year grew 50%while State It is reported about its travel and tickets a year in the last quarter of 2024, crossing $ 1 billion.
In 2025, almost every fifth US travelers said he plans use the BNPL service to pay summer holidays, According to the March report on the Nerdwallet Personal Finance site.
BNPL services are also attracted to China. In January, the Internet platform for FLIGGY travel said that BNP Travel’s purchases increased by more than 20% from 2023 to 2024. Alibaba Group, a subsidiary, is predicted that the use will grow in 2025, especially among young travelers.
“In particular, almost a quarter of consumers who choose this model were born from 1995 to 1999-frequently called Gen Z-while the proportion of consumers born in 2000 or later, there is the fastest growth that is approaching 20%,” the press release said.
Gen Zs and Millennials also use BNPL plans for live activities, Financial Financial Financial reports.
About 60% of buyers of tickets for the general reception for the Coachella music festival this month decided to pay through the payment plan that took the $ 41 processing fee Brush reported.
Tickets, which amounted to $ 50 a day in 1999, start with $ 539 for a three -day pass in 2026.
Is it worth it – right?
BNPL can become a valuable tool for financing the holidays, “said Sunil Sachdev, head of the built -in finance in Global Fintech Company Fiserv.
He said the service has matured over the past few years and that BNPL loans did not lead to broad default values despite early problems.
CEO Carrington Labs Jamie Tvis agrees that BNPL can be an effective way of distributing travel costs. He said the default shopping for BNPL traveling is lower than that of other purchases because more people use the service as a new payment form rather than a means of access to funds.
“Otherwise, a higher percentage of people uses BNPL for travel, though they already have enough money in their accounts to cover the costs,” he said.
But, like all debt, BNPL loans can become a slippery slope, reports Nerdwallet, which referred to January Report of the Consumer Finance Protection Bureau This determined that 63% of BNPL borrowers in 2022 had more than one loan at the same time.
“Investing” is just one problem with BNPL loans, said Andrew Lokenut, founder of Thefinancialnewsletter.com. Others include problems that have reached customer service and repay loans after unexpected life activities such as losing work and breakdowns.
Andrew Lockenaut said more of his customers use “buy now, pay later” for main fares such as family visits and weddings. “It’s not just a luxurious vacation.”
Camille Krzachinsky | AFP | Gets the image
“I worked with more than 100 clients who drowned at BNPL Travel Log, and it’s not very,” he said. “These loans have zero flexibility – miss the payment, and you have suffered from late payments and credit score.”
However, not all BNPL companies work the same. Confirmation says that it does not charge late payments, as well as veterinarians – and rejects – potential customers.
Precious Caroll’s travel agent said she advised customers to use BNPL only if they have the means for the trip. However, she said that BNPL “is great for when a transaction arises so they can book a trip without full funds.”
Disney Jackie styles’ holiday planner said more travelers use BNPL to pay for Disney.
“I had readers and customers who tell me it allowed them to make work at the last minute or unraveling something like staying at the Deluxe resort,” he said. “Given this, I always warn people – especially the younger adults and families on hard budgets – to look outside the monthly break.”
In particular, trips at the last minute may be problematic as the payment incentive may decrease after the trip. Travelers can avoid this by making BNPL plans before and paying in full before the trip.
Benson Vargez, head of a partner at the Texas Law Firm Varghese Summersett, said the strange number of his customers faced legal troubles or financial stress due to BNPL purchases.
“Especially in the travel space,” he added. “Now we include (management) in our financial literacy sessions in the firm because it becomes more common than credit card disputes.”
Lokenauth said it has a “controversial reception” for those considering whether to use BNPL for travel costs.
“If you can’t pay for your vacation right away, you probably don’t have to take it.”
