Christine Hermann said that the “buy now, and later pay” service to pay the price of a trip at the last minute to Miami, felt as if it were the savior.
She said that approval was quick, and there were no costs – But she mistakenly crossed a scheduled boost.
She told a newspaper Travel CNBC.
However, Ran Tio said that he is now using a purchase or later paid – or BNPL – plans to dismantle the cost of staying at the weekend of his family on the Indonesian island of Batam.
His experience in dividing the cost into three monthly installments? “Easy and comfortable,” he said.
Hermann and Tio are part of the increasing number of travelers who use BNPL services to pay for flights, hotels and cruises in installments, in some cases without any benefit or late fees.
BNPL KLARNA announced in September that the value of travel reservations that he processed increased by 50 % last year, while to be sure She reported the size of her travel and tickets by 38 % year on an annual basis in the last quarter of 2024, as she exceeded a billion dollar sign.
In 2025, nearly one in five American travelers said they were planning To use the BNPL service to pay for summer vacations, According to the March report issued by the Nerdwallet Personal Finance website.
BNPL services are in China as well. In January, the Fliggy travel platform said that the volume of BNPL TRAVEL purchases increased by more than 20 % from 2023 to 2024. The company, a subsidiary of the alibaba group, expected that the use would continue in 2025, especially among the younger travelers.
It is worth noting that nearly a quarter of consumers who choose this model were born between 1995 and 1999-as it is referred to as Gen Z-while the percentage of consumers born in 2000 or later witnessed the fastest growth, approaching 20 %, “according to a Fliggy press statement.
Gen ZS and Millennials are likely to use BNPL plans to travel for live events, according to financial services.
About 60 % of the ticket buyers chose the general acceptance of the Kochilla Music Festival for this month payment through the payment plan, which dealt with $ 41 treatment fees, Plate I mentioned.
Tickets, which were $ 50 a day in 1999, begin from $ 539 for a three -day pass in 2026.
Do you – or not?
“BNPL can be a valuable tool for the financing of vacation” when using it with responsibility. “
He said that the service has been matured in the past few years, and that BNPL loans have not led to widespread payment, despite early concerns.
Jimmy Toyce, CEO of Carrington Labs, agrees that BNPL can be an effective way to spread travel costs. He said that BNPL travel purchases are less than other purchases because more people use service as a new form of defense, rather than a way to reach money.
He said: “Or another way, a higher percentage of people use BNPL to travel, although they already have enough money in their accounts to cover the cost,” he said.
However, like all debts, BNPL loans can be a slippery slope, according to the Nerdwallet version, which was martyred in January Consumer Finance Protection Office report This set 63 % of BNPL borrowers in 2022 was more than one loan at one time.
Andrew Lucinot, founder of Thefinancenewsletter.com, said that “stacking” is just one problem in BNPL loans. Others include problems that reach the company’s customer service and pay loans after unexpected life events, such as job losses and vehicle collapses.
Andrew Lukinaiith said that more of his customers are using “now buying and pushing later” to cover basic travel expenses, such as family visits and wedding parties. “It is no longer just luxury holidays.”
Kamil Krzaczynski | AFP | Gety pictures
“I have worked with more than 100 customers drowning in BNPL’s travel debts, and this is not beautiful,” he said. “These loans have no flexibility – you miss a batch, and you will get late fees and credit stairs.”
However, not all BNPL companies work in the same way. The assertion says that it does not impose late fees as well as veterinarians – and refuses – potential customers.
to be sure Investors pages He stated that the so -called “wage in 4” is not reported, however the company announced that it had started reporting all the time for payment time to Experian on April 1, with transunion to follow up on May 1.
Precination Caroll’s travel agent said it only advises customers to use BNPL if they have money for a trip. However, BNPL “is great when a deal appears so that they can reserve the trip without the availability of full money.”
Disney Jackie Still holidays said that more travelers are using BNPL to pay for Disney trips.
He said: “Readers and clients told me that this was allowed to make a trip at the last minute or boast of something like staying in a luxurious resort.” “However, I always warn people – especially younger adults or families on narrow budgets – to look beyond the monthly collapse.”
Flights at the last minute, in particular, can be a problem because the motivation to pay can decrease as soon as the trip is over. Travelers can avoid this by developing BNPL plans early, and paying fully before the trip.
Benson Variziz, the administrative partner of the Lawyer in Texas Vargis Samrasit, said that a sudden number of his clients had faced legal problem or financial stress due to BNPL purchases.
“Especially in the travel space,” he added. “We are now included in our financial literacy sessions in the company because it has become more common than credit card conflicts.”
Lokenauth said he has a “controversial take” for those who think if BNPL will be used for travel expenses.
“If you cannot pay for a direct leave, you may not have to take it.”
Clarification: This article has been updated to clarify ENSIRM credit reporting.
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