When deciding how to pay for a flight, I think about which credit card will give me the best combination of rewards and insurance protection. People who collect travel rewards tend to forget that we’re the exception to the rule. Most people don’t know or care about how many AMEX cards you’re allowed to have or what the Chase 5/24 rule is. At best, they might know their credit score and have some idea about what actions affect it.
For many, their debit card is at the top of the wallet and a credit card is for unexpected expenses. Another option for payment growing in popularity with this demographic is the installment payment plan.
While this idea isn’t new, the expansion allowing you to buy anything from electronics, clothing, and even travel is happening quickly. The major player in the travel field is Uplift. They have deals with airlines, hotels, travel agencies and tour operators that allow you to finance your purchase into a series of payments.
Southwest and Uplift are offering a special 0% financing for Hawaii flights for bookings through January 24th.
When you pick your flights, you’ll see this banner ad:
At the payment screen, one of the options is to pay with Uplift. You’ll need to provide them with some personal information before getting the financing terms.
It looks like Uplift will do a “soft pull” of your credit score to see if you’re eligible.
Not everyone will be eligible for the lowest rates. Here are the details of the 0% offer on Hawaii flights:
Down payment may be required. Terms are based on your credit score and other factors and may vary. Not everyone is eligible, and some states are not served including IA and WV. APR may range from 0% to 36%. Offer available between 1/10-1/24. Minimum $49 purchase required. Available on 3 or 6 month loans.
This option is similar to JetBlue’s payment plans on travel packages through MarcusPay.
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This post first appeared on Your Mileage May Vary