pay later vacation rentals

Buy Now Pay Later Vacation Rentals

The grind of daily life can be incredibly stressful, and it is important to take advantage of your vacation days for your well-being.

Your long-awaited extended holiday can take place anywhere in the world, at any time of year. You can explore exotic locations and enjoy local cultures far away from home.

Don’t let the prices ruin your holiday, either.

With buy now pay later (BNPL) options, you can book a rental now, use it, and fulfill your financial obligations much later, in small, affordable installments.

Let’s check out some of the best deals you can get on the most popular vacation rental websites.

Vacation Rental Sites That Offer Pay Later Payment Plans

1.    Vrbo

Vrbo began its journey in 1995, and it is one of the oldest vacation rental providers still active today.

Vrbo (Vacation Rentals By Owner) offers renters the option to pay later for vacation rentals with financing options provided by Affirm. However, their plans are only available for certain properties in the United States.

Affirm offers upfront pricing on all their payment plans, so you know what and how much you’ll end up paying. All you need to do is select “Affirm” on eligible properties on the property details page. You can also run an eligibility check before booking. This will give you an estimate of your spending limit and help you look for rentals that fall within your budget.

With Affirm, you can choose to pay for the cost of your trip in 3, 6, or 12 monthly installments. The payment rates are fixed with an APR between 10% to 30%, which will be determined by your credit and purchase.

Visit Vrbo today to book a rental using their payment plans!

2.    Expedia

Expedia acquired Vrbo in 2015. However, their rental options haven’t merged yet. That’s why you will find similarities in their payment plan offerings but not in specific vacation rentals.

Expedia also offers BNPL services through its partnership with Affirm. So, if the options on Vrbo seem unappealing to you, try to look for rentals on Expedia.

With Expedia, you will also benefit from BNPL plans for their vacation-related products and services.

Feeling excited about all the vacation deals that you can finance with Expedia? Visit the official Expedia website to get started.

3.    Airbnb

Airbnb has become one of the most popular vacation rental services today, and they offer customers a pay later option. Airbnb’s Payment Plan Feature allows customers to make a booking and pay a part of the total bill upfront. The renter shall pay the rest of the bill any time before check-in.

The plan is only available to customers when they select certain payment methods, including:

  • Credit card
  • Debit card
  • Apple Pay
  • Google Pay
  • PayPal
  • Airbnb credits

If Airbnb finds the customer eligible, they are notified of available plans. And all the customer has to do is weigh their options and select the best deal!

Find the complete details of Airbnb’s Payment Plan offer here.


As one of the biggest providers of vacation rentals, we cannot leave out of our list.

While you may not find any payment plans and BNPL providers listed on, there is still hope! We researched and learned that BNPL provider Zip lists on its apps.

We discuss the pay later app Zip and its offers below.

5.    TripAdvisor

TripAdvisor is another name you’ve likely heard of in the travel industry.

Similar to, TripAdvisor does not offer any pay later option on their main website, either. However, you do have the option to pay a deposit while booking your rental and make the rest of the payment before your arrival date.

6.    Vacasa

Vacasa may not be as popular as some other rental providers on this list, but their BNPL plans are surely worth the mention.

Some of the important conditions you must fulfill to avail their pay later plans are:

  • The rental must be located in the United States (Hawaii is included)
  • The total payment for your rental must be at least $500
  • Those availing of the offer should be residents of the United States

Depending on your rental payment and credit, you may have to make a down payment and pay an APR of 10% to 30%. You can split your installments into 3, 6, or 12 monthly payments that can be made well after your service is over.

Learn more about Vacasa terms and conditions on their official website.

Payment Plan Providers for Vacation Rentals

These BNPL providers allow you to book vacation rentals and pay later through their app, site, or merchant websites.

They can be a great alternative when you can’t find your dream rental in a package deal on any of the major rental sites.

1.    Affirm

With Affirm, you have two options. Either repay in 4 interest-free installments once every two weeks or go for monthly installments. The monthly installments can be spread over 3, 6, or 12 months.

Affirm does not charge fees other than an APR of between 0% to 30%, depending on users’ credit.

Affirm offers pay later options for the following rental providers:

  • Vrbo
  • Vacasa
  • Expedia

2.    Zip

Zip splits your total rental amount into four installments that you must pay over six weeks. Their only condition is that you pay the first installment upfront.

Zip charges a late fee—$5, $7, or $10, depending on the state of residence.

Here are some of the pay later vacation rental options offered by Zip:

  • Vrbo
  • Expedia
  • Airbnb
  • AvantStay
  • Travelocity

3.    Uplift

You can also opt for BNPL plans for your flight to your vacation rental.

Uplift offers pay later plans for a wide range of travel and hospitality services. Some of these include:

  • SeaBreeze
  • Air Canada
  • Lufthansa
  • Expedia Cruises
  • Apple Vacations
  • SeaWorld
  • And many more.

Uplift’s installments can be spread over 3 to 24 months, and you don’t have to worry about late fees. Users may be charged an APR between 0% to 36% and a down payment depending on their credit and purchase amount.

Final Thoughts

Does reading about such amazing offers make you want to pack your bag right now? We completely understand!

With so many options at your disposal, you can plan a worry-free long vacation very soon. Let us know where you want to go!

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