Many travelers want to book vacations, but with inflation and surging demand affecting the price of airline tickets, rental cars and other household expenses, sometimes they simply don't have the money. Instead of carrying a balance on high-interest rate credit cards, some are turning to buy now, pay later options like Uplift to finance their travel.

Here's a look at how Uplift buy now, pay later works, when you should or shouldn’t use it and what other alternatives exist for financing a trip.

What is Uplift buy now, pay later?

Uplift is one of the buy now, pay later options available to finance purchases of clothes, household goods, travel and more. BNPL allows you to spread the cost of purchases across multiple payments.

These financial technology — or fintech — companies generally offer easier credit than traditional credit cards or personal loans. Some don't pull a hard inquiry from your credit report, which means that signing up won't affect your credit score.

Uplift doesn't charge any fees to customers, including late fees or prepayment penalties. However, depending on your purchase and credit history, you may pay interest between 0% and 36%. Uplift charges simple interest on its loans, which means it doesn't charge interest on top of interest.

Which airlines offer financing through Uplift?

When booking your flight, you’ll notice that many airlines offer BNPL financing through Uplift or one of its competitors. Uplift is currently available for use on many U.S. and international airlines.

Here are a few of the major airlines that offer financing through Uplift:

Air Canada.

Alaska Airlines.

Allegiant Airlines.

Frontier Airlines.

Hawaiian Airlines.

Lufthansa.

Southwest Airlines.

Spirit Airlines.

United Airlines.