Have you ever wanted to book a trip but didn’t have the funds available to pay for it? Travel companies know this happens, so they make it as easy as possible to purchase a flight — even if it requires financing. But are these “buy now, pay later” flights worth it?

Here's a look at the airlines that offer buy now, pay later, the risks involved with these purchase programs and alternatives to using this type of financing.

Who offers buy now, pay later flights?

All major U.S. airlines offer some version of buy now, pay later financing, as do online travel agencies. The provider for these differs depending on where you book.

American Airlines

American Airlines is unique in that it maintains an in-house version of buy now, pay later financing. Customers have the ability to open an American Airlines credit card upon approval. Purchases over $150 will pay no interest if paid in full within six months. Otherwise, you’ll face a hefty 28.24% APR dating back to the day you purchased your flight.

Alaska Airlines

Alaska customers can use Uplift to finance their flights, which is offered at checkout. There’s a minimum purchase of $117 and interest rates vary depending on your credit score.

Delta Air Lines

Delta’s website doesn’t offer buy now, pay later financing. However, you can access this benefit by booking through Delta Vacations, which uses Affirm to generate loans. You can choose to spread payments over six, 12 or 18 monthly installments.

Frontier Airlines

Frontier also partners with Uplift for financing, with the option to select a monthly payment at checkout. The interest rate will vary based on your credit score; payments are spread out over 12 months.

JetBlue

JetBlue relies on MarcusPay as its preferred buy now, pay later vendor. Interest rates vary between 8.99% and 29.99% (24.99% for New York residents) and loan terms are six, 12 or 18 months. The better your credit score, the more favorable rates and payment terms you’ll receive.

Southwest Airlines

Like Frontier and Alaska, Southwest Airlines uses Uplift to finance flight purchases. Interest rates vary depending on your credit score.

Spirit Airlines

Spirit also uses Uplift for its book now, pay later program. You’ll spread your payments out over 12 months, with a minimum purchase of $143. Interest rates are based on your credit score.

United Airlines

United also uses Uplift, which is by far the most popular option. The minimum purchase requirement is $100 and payments are spread out over a year. The interest rate you’ll pay is based on your credit score.