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PSA: You can now put airline tickets on a payment plan.

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Close this thread lol
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    • Sunster

    Sunster

    The Fallen
    Oct 5, 2018
    10,007
    It's a well known fact that Americans by a large percent don't travel abroad. Part or most of the reason for that is North American continent being an ocean away from most popular destinations so flights out of the country usually start at $800 unlike Europeans and Asians who can fly around to the best spots for much cheaper.

    Well now a credit agency allows you to make a 3,6, or 12 month payment plan for your trip. several sites offer the Affirm payment option after you pick your flight. I use this one

    Mod edit- links removed

    Not sure how many already knew about this but I just learned and it changed a lot in my life lol. So I would feel guilty if I didn't spread the gospel a bit.
     
    Last edited by a moderator:
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    • Deleted member 32563

    User requested account closure
    Banned
    Nov 11, 2017
    1,336
    Absolutely terrible idea. I mean if you can't put it on a CC put off the trip or drive or consider alternate options.

    Imagine having awesome memories from a trip only to be burdened by depression based debt from interest and having to pay off said trip.
     
    Woody

    Woody

    Member
    Mar 5, 2018
    2,036
    How is this different than just using a credit card?

    /Edit - oh, 30% APR? Lmao... Advertiser thread?
     
    Pai Pai Master

    Pai Pai Master

    Member
    Oct 25, 2017
    32,272
    Atlanta GA
    OP I hope you are prepared for that 30% APR

    Why wouldn't you just put it on a credit card instead and get the cashback and/or miles?

    This is honestly terrible financial advice unless there's something I'm missing
     
    Sephzilla

    Sephzilla

    Herald of Stoptimus Crime
    Member
    Oct 25, 2017
    17,493
    30% APR?
    Sunster said:
    what Americans desperately need is more vacation time and to actually get out and see the world. This is an extremely insular and overworked country
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    Putting yourself in debt just to go on a vacation is a terrible idea especially if you can't even afford your own plane ticket.
     
    Protome

    Protome

    Member
    Oct 27, 2017
    15,677
    "PSA: You can now also participate in a horrible scam to put yourself in tons of debt, but also have a brief holiday"

    30% APR is wild
     
    OP
    OP
    Sunster

    Sunster

    The Fallen
    Oct 5, 2018
    10,007
    Sephzilla said:
    30% APR?

    Putting yourself in debt just to go on a vacation is a terrible idea especially if you can't even afford your own plane ticket.
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    Well I guess my situation is very specific. I can't take out another card with a limit that high, but I can afford to repay the loan for this
     
    Sulik2

    Sulik2

    Banned
    Oct 27, 2017
    8,168
    This isn't a payment plan it's a short term loan and a ripoff. Payment plans would be letting you pay off the ticket in advance in smaller payments like how layaway works with no interest.
     
    Protome

    Protome

    Member
    Oct 27, 2017
    15,677
    Sunster said:
    Well I guess my situation is very specific. I can't take out another card with a limit that high, but I can afford to repay the loan for this
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    Another card with a limit that high? No offence but if you've already got a credit card and can't afford a holiday on that you should probably focus on paying it off a bit rather than going to a loanshark "short term loan" website and building up further debt.
     

    Deleted member 9486

    User requested account closure
    Banned
    Oct 26, 2017
    4,867
    Ac30 said:
    Taking on debt to go on vacation isn't something I'd ever recommend.
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    Same. Instead of taking on debt and paying installments and risk being screwed if you lose your job or some financial hardship happens, just put that money in savings and buy the flights when you have enough saved up for them and the lodging and other expenses.

    It's the same principle of putting money toward travel in chunks, but without the risk. Besides, the people I k ow who don't travel are either dirt poor with little disposable income and can't afford it via either method or people who just don't like long trips (many of whom are wealthy and can easily afford it).
     
    Dyle

    Dyle

    One Winged Slayer
    The Fallen
    Oct 25, 2017
    29,899
    Why in the world would anyone seriously want to take on debt for a vacation?
     
    Sephzilla

    Sephzilla

    Herald of Stoptimus Crime
    Member
    Oct 25, 2017
    17,493
    Sunster said:
    Well I guess my situation is very specific. I can't take out another card with a limit that high, but I can afford to repay the loan for this
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    Maybe you should focus on ending your current debts instead of creating new ones.

    Also this shit isn't adding up. If you can afford to pay off a 30% APR loan then why the fuck do you even need that loan in the first place?
     
    Menx64

    Menx64

    Member
    Oct 30, 2017
    5,774
    Sunster said:
    lol this isn't going well
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    This works well in my Country. But it really applies to anything. You can buy plane tickets, furniture, clothing whatever you need in installments, but they dont charge any interest. You only get interest if you are past due on your bills.
    I bought tickets to London and paid them in three installments at not extra charge.
     
    NinjaScooter

    NinjaScooter

    Member
    Oct 25, 2017
    54,113
    Is this an advertisement? This shit is predatory as hell. I'm expecting a "more people should try payday loans!" Thread next.
     
    The Albatross

    The Albatross

    Member
    Oct 25, 2017
    38,958
    Well this thread didn't go well.

    Anyway, OP, I hope this gives you the freedom to vacation more in your budget, though... might not be the best financial product for everyone ... or you :)

    In most cases, your average credit card, especially an airline endorsed credit card would probbaly give you the best rates and perks for airline travel, over a financial product like this which looks to have a very high interest rate attached to it.
     
    prophetvx

    prophetvx

    Member
    Nov 28, 2017
    5,329
    If you don't have enough remaining balance on your credit card for travel, you shouldn't be getting a loan at 10-15% more APR to pay for it.

    That's insanity. Flights, regardless of where you travel to usually don't even exceed 30% of the total trip cost if traveling alone and going away for more than a week.
     
    StrangerDanger

    StrangerDanger

    Member
    Jul 18, 2018
    5,853
    SteveWinwood said:
    30% wtf
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    Aobkmdc.jpg
     
    mhayes86

    mhayes86

    Member
    Oct 27, 2017
    5,244
    Maryland
    Maybe if it was a much lower percentage, but 30% APR is above any of my credit cards. I guess it could help if you don't have a CC with a decent limit, but you're better off dumping it on a rewards/travel card.
     
    Masoyama

    Masoyama

    Attempted to circumvent a ban with an alt account
    Banned
    Oct 27, 2017
    5,648
    Ive flown to Europe and Latin America for NY from around $450. Flying off seasons is pretty cheap
     
    C.Mongler

    C.Mongler

    The Fallen
    Oct 27, 2017
    3,879
    Washington, DC
    Yeah, echoing the room here that paying for flights over time on 10% to especially 30% APR seems like a huge fucking ripoff. Unless a vacation is going to make or break your personal well-being, you absolutely should not do this. Your credit card probably has better interest rates than that. If it was like 0% APR over 12-months, then maybe this would be an okay suggestion, but at what I'm seeing offered on these sites, lol naw.
     
    Landy828

    Landy828

    Member
    Oct 26, 2017
    13,392
    Clemson, SC
    You can make payments on cruises in the US without paying any interest at all. My wife and I have been paying on one for a year now. Adding extras (unlimited food plan/off ship excursions) whenever we want as the year goes on, etc.

    That's how the plane tickets should work.

    Granted, the cruises are usually planned well ahead....but one would think really expensive flights out of the US would be planned ahead too.
     

    Lishi

    Banned
    Oct 27, 2017
    2,284
    Opening to the world and travelling more sound like a good idea.

    What it doesn't sound like a good idea is doing stuff you cannot afford.
     

    nitewulf

    Member
    Nov 29, 2017
    7,193
    Sunster said:
    It's a well known fact that Americans by a large percent don't travel abroad. Part or most of the reason for that is North American continent being an ocean away from most popular destinations so flights out of the country usually start at $800 unlike Europeans and Asians who can fly around to the best spots for much cheaper.
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    Is this true though? we are very close to the Caribbean islands and Central/South America.
     
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