Put Vacation On Layaway
You know that trip you always wanted to go on? Is there a place in the world you always wanted to visit? Well, go on vacation, don’t wait! But how does one do this? especially if you don’t have the money. The word vacation is another word for put it on layaway. which means the same thing as to put into an account someone can use at a later date, only in this case your future self isn’t going to be using it, but you are!
Paying for a vacation can be stressful—especially when you’re trying to save up and plan ahead. Luckily, there are options that can help you get the vacation of your dreams without breaking the bank.
Pay in installments. You can pay for your vacation in installments instead of one lump sum if you’d like. This will allow you to spread out the cost over time so that it feels less overwhelming. Plus, it’s easy on your budget!
Touriangle affords you unrestricted access to tons of valuable information on vacation payment plans no credit check, vacation layaway no credit check, family vacation packages with payment plans, layaway vacation packages all inclusive, and so much more. You don’t want to miss this!
Put Vacation On Layaway
Use rewards points or cash back. If you have rewards points or cash back from credit cards or other accounts, use them to pay for part of your vacation costs! That way, you’ll still be able to enjoy some of the perks of having those accounts while still getting away from it all.
Staycation? There’s no need to feel guilty about taking a staycation instead of going abroad—they’re great ways to recharge before embarking on another big trip! And if you’re looking for something different than just hanging around town all day, try renting an RV and exploring nearby state parks or national forests for a few days.
Best Vacation Layaway Plans
1. Expedia
Is it really a good buy if you can’t get a travel package at a steal? Where’s the fun in that? Expedia is a pro at finding super low prices on flights and bundles.
You can book hotels with thousands of options available worldwide. Expedia is particularly useful for finding great deals on all-inclusive resorts. Your dream vacation can cost you less than $1,000 per person and that includes the flights!
You can save big with Expedia but how does their pay later option work? Expedia have partnered with Affirm for their travel payment plans, this means you can take advantage of 0% interest monthly instalments. To learn more, see Expedia’s handy “book now and travel later” guide on using Affirm at checkout on the Expedia website.
Pros:
- Expedia offers cheaper bundles.
- You can make monthly payments towards your vacation. They also offer “Book Now, Pay Later” hotel deals.
- There is an option to purchase travel insurance.
Cons:
- They have subpar customer service. You’ll have to wait a while for someone to respond to your query. On the plus side, they have live chat.
- Expedia offers unclear details when it comes to room or fare type. If you value comfort during your travels, this can be a deal-breaker.
2. Southwest Vacations (Great for family vacations and all-inclusive resorts)
With their Uplift payment program, you can book a trip today and set easy monthly instalments that fit your budget. You don’t have to pay an arm and a leg every month. These monthly payments can be tailored to your budget allowing you to travel before your loan is paid off in its entirety. Southwest are a particularly good choice if you are looking for all-inclusive vacations with hundreds of resorts to choose from.
Pros:
- They have customizable monthly payments.
- They offer an easy application process.
- There are no charges in the monthly payments, no late fees, and no prepayment penalties.
- Large range of all-inclusive vacations and resorts (including Mexico and Caribbean)
Cons:
- Canceled flights are refunded as Southwest Airlines air credit which can be limiting.
- Canceled land travel, tours, and accommodations are refunded in the form of travel credit from Southwest Vacations.
3. Funjet (Best for All-Inclusive Packages)
Funjet has a great payment plan if you want to travel and save money at the same time. With a simple downpayment, you can secure the best deals at great rates.
You’ll have to make your vacation reservation six weeks in advance with deposit options available at checkout. You can schedule a final payment or make multiple payments at zero interest.
Pros:
- Cancel any time for any reason. There are no pesky rebooking fees.
- Reserve a vacation for as little as $50.
Cons:
- Reservations are subject to change.
- Deposit options are not available if you’re traveling during a holiday.
4. Luxury Escapes
Luxury Escapes’ Latitude Financing Payment plan offers a 12-month interest-free period. You’ll pay monthly installments, but after the 12-month promotional period, you’ll be charged a pretty hefty 24.99% interest rate.
Luxury Escapes offers flexible booking dates. That means you can book a limited-time deal for a certain property now and rebook it for a different date later.
Pros:
- They have a seven-day refund guarantee.
- There are no hidden costs.
Cons:
- If your preferred date is unavailable, you can’t get a refund. Make sure to read the terms and conditions carefully.
5. Contiki
A small layaway deposit of $99 will lock in your travel dates. Contiki accepts Visa, Mastercard, and American Express. They can accommodate all types of installment plans: weekly, monthly, two payments of 50% each – you name it, you got it. You just have to make the entire payment 45 days before departure. That’s it.
Pros:
- There are no interest charges and no fees.
- They offer flexible payment plans.
- The Freedom Guarantee ensures you can reschedule travel dates, swap the tour type, or choose a different region to travel in altogether. You can avoid cancellation fees with this feature.
Cons:
- Cancellation fees as high as 50% if cancellation is done within one to seven days before departure and 100% if done on the day of departure.
6. United Vacations (Best for Layaway Vacation Packages)
With United Vacations, you can finance your trip through Uplift. United have a layaway vacation option which allows you to lay down an initial $250 deposit and pay the rest at least 45 days before the departure date. The best part? You can use multiple credit cards to fund your trip.
Pros:
- If you get the vacation protection package, you won’t have to deal with cancellation fees. You have the flexibility to change or cancel the plan as needed.
- You can book your entire trip through United Vacations from hotels, flights, car rentals to resorts, airport transfers, and excursion experiences.
Cons:
- Airfare is non-refundable. If your flight was canceled, they’ll give you credit you can use within a year as long as your tickets were booked through American Airlines. If not, policies vary from carrier to carrier.
7. JetBlue Vacations
JetBlue’s annual percentage rate ranges from a huge 10.99% to 25.99% for a loan term of 12 to 18 months. Their partnership with MarcusPay enables them to offer top-tier package getaways.
If you want lower rates and longer terms, you’ll need to have excellent credit scores. Additionally, rates are generally higher for longer-term loans.
Pros:
- They don’t require a deposit upfront.
- If you find the same package for a cheaper price within 24 hours of booking, they’ll match it and refund the difference.
Cons:
- JetBlue Vacation charges a $200 cancellation fee per person plus additional penalties charged by the hotels.
8. G Adventures
Deposits for layaway vacations start at $250. If you’re unsure about a specific tour but don’t want to let the opportunity pass you by, they have a “holding an option” tool that lets you reserve a spot for 48 hours without paying a pretty penny.
The best part? If you ever have to cancel a trip, change it, or push it back, you’re not forced to use it within a year or two. It’s good for life. You can pay the full balance close to your departure date.
Pros:
- They have small groups per trip. This helps you form a closer connection to the places and people you visit on your travels.
- They offer lifetime deposits.
Cons:
- “Optional” activities cost you an additional fee if you decide to purchase. If you don’t want to factor in any additional costs to your budget, you can pass on these.
- Depending on the trip, guides can be a hit or miss.
9. Intrepid Travel
Intrepid Travel provides exemplary flexibility in changing travel plans. There are no change fees as long as you notify them about the changes at least 21 days in advance. You have the flexibility to choose an entirely new trip or pick new travel dates.
You only need to secure your trip with a deposit and you can pay the rest in installments whenever you like. Just make sure you’ve paid for the trip in full at least 21 days before you’re scheduled to depart.
Pros:
- There are no interest and rebooking fees.
- You can hold your trip for up to 5 days without paying a deposit.
Cons:
- If you’re traveling solo, you’ll have to pay a mandatory single supplement fee for certain trip types.
10. Priceline
Priceline.com comes through with terrific ways to save on travel. As long as you know how to look for deals, you’ll hit pay dirt.
Check out Priceline’s Express Deal which can save you anywhere between 10% to 40% off flights. The catch? You don’t know what time your flights will depart. It can be a red-eye for all you know.
Pros:
- Priceline offers significantly lower prices.
- You can place bids for a lower price. If you get it, it’s a win. If you don’t, you lose nothing.
Cons:
- Once the fee is charged, you don’t get a refund if you change your mind.
- You can’t reserve a room for more than 2 people.
Book Now Pay Later Vacations
You dream of lounging on the beaches of Jamaica. You long to tour the castles of Europe. You want to take the kids to see Mickey.
But then you look at your account balance … sigh.
All is not lost, however, if you’re willing to invest a little time, planning and savings into your next getaway.
“The best process for planning a great vacation is the sooner, the better,” says Nancy Hawkins, owner of Luxury Journey Travel. “The best thing to do to get the best deal is to buy a package with your flight, your resort or hotel, transfers and attractions all at the same time. I try to tell people to plan a year in advance, and we put it all together for them.”
It’s free to hire most travel agents, who get paid on commission based on their relationships with service industry leaders around the world, and many offer group discounts and payment plans with no fees, so any worries about affording that perfect vacation flies right out the cabin window.
“With us, you don’t have to get a loan,” Hawkins says of her agency that mainly helps clients travel abroad. “We do payments without any finance charges.
“It’s almost like a layaway vacation. Remember the old layaway plans at Kmart, where you could layaway stuff for Christmas? That’s kind of what you can do with this,” she explains. “It depends on the location and the supplier that I use as for what kind of payment you have to put down, but I’ve seen them as low as $100 if you’re booking far enough out.”
Book it yourself or hire a travel agent?
Sure, you can plan your own vacation, as long as you’re willing to deal with all of the hassles of finding the best deal, coordinating all transportation and accommodations, and booking any excursions or reservations for during your trip.
With a plethora of websites offering deals on flights, hotels, resorts and more, who’s got time to wade through all the noise to find the absolute best option?
A good travel agent takes the hassle out of vacation planning by knowing who to call, when to book and how to find the best discounts.
“Travel agents have better connections,” Hawkins says. “I travel all the time. I go to make connections with people. We just got back from Spain, I’m doing a cruise this year, I did Ireland last fall, and I did a river cruise in Hungary, Germany and Austria.
“I’ve been to over 100 all-inclusive resorts just in the past couple of years, meeting the sales managers so when I have a client who wants to go there, I can email them and say ‘Hey, Mr. and Mrs. Smith are going to be there and I want you to take good care of them.’ It just provides some little perks, plus we know all the little tricks for putting groups together and how you can get a discount if you do a group,” she adds.
Hawkins says all of her services are free to the client and she receives her commission about two weeks after the trip concludes.
“Whether they plan it through bookit.com or Expedia, or book it directly with the hotel or they use a travel professional, it’s going to be the same. Whoever took that reservation for them is going to make that commission,” Hawkins says. “People always think they can do better online, but I always say, ‘Who are you going to call when you have trouble?’
“The online websites don’t have a local number. I answer my phone all the time,” she says. “I was up one morning about 3:30 a.m. because a client was confused at the airport. They were at the United gate and their flight was on American. So, when you call Expedia, I’m pretty sure they’re not going to be so understanding about it.”
Some people also think planning their own vacation to Florida, for instance, will be cheaper than using a travel agent to plan a once-in-a-lifetime trip to Jamaica, Hawkins says.
“They think it’s cheaper. They got the hotel, the flight, the car and it’s this much. If they go to Jamaica, it’s $1,000 more.
“But, how much are you going to spend for your family to eat and drink for a week? Think about that stuff. They don’t consider it when they’re just getting excited. Why wouldn’t you want to do something where everything is already included?”
Save money by planning ahead
The best way to throw your finances into turmoil is to take a spur-of-the-moment trip without planning or budgeting ahead of time, local financial planners say.
Everyone deserves a little time off now and then, but charging the vacation to a high-interest credit card ultimately just adds to your debt, which does nothing to relieve stress.
Aaron Morrow, a wealth management specialist at LJI Wealth Management, says one of his clients decided to go on an unplanned spring break trip and used several thousand dollars from an emergency fund to pay for it.
“Then, they go on vacation and the weather was bad, and they sat in jackets and rain all week. It was an emotional decision,” he says, and one with no plan on how to pay it back.
Gino Johnson, a CPA at Peachin, Schwartz & Weingardt, says one of his clients decided to take his family to Disney World with no pre-planning and returned home to a $10,000 credit card debt. “A family of six in Disney World … they didn’t really save for it, and they just kept spending,” he says.
While he admits he’s not the best at pre-planning his own vacations, CPA Andrew Hamaker of Pathfinder Group says he always tries to take advantage of accumulated airline points with Delta Airlines when traveling. All three financial experts also advise saving for up to a year to pay for a vacation.
“I recommend everybody take money out of their paycheck every time they get paid and throw it into a savings account,” Hamaker says. “If you save $50 per paycheck, times that by 26 weeks, you’ll have $1,300 saved up in one year.”
Group discounts, payment plans and more choices
Planning a vacation a year in advance saves money and time, but it also opens up more options, such as better airfare prices, cabin locations and larger group discounts, Hawkins says.
Want to go to Disney World? Buy a package that includes a hotel on-site along with all dining needs — and don’t allow your kids to charge the ice cream cones or souvenirs to their Disney wristbands.
“If you just throw yourself into Disney World and don’t plan ahead of time, yeah, you’re going to toss a lot of money away and not even realize it,” Hawkins says.
What about taking a cruise abroad to Spain or Italy? “Those kinds of places are becoming very popular again. And they can join an existing group that my supplier has to receive discounts,” she says.
“I just did four couples who went to Greece for close to $8,000 per couple. That’s flights out of Indianapolis, several tours they’re going to go on, and they wanted 5-star hotels. If you’re willing to stay in a 3½-star hotel and you just want it to be clean, you can also save money.”
While booking a Carnival cruise for spring break in March also remains a popular option for families, November is the best time for couples with no children to find good deals and less crowds. Hawkins says she always plans her vacations for the end of April or beginning of May.
“The reason I do that … we love Cabo San Lucas. It’s beautiful weather, upper 70s, low 80s, a nice breeze, humidity is like zero. It’s a great time to be in Cabo,” Hawkins says.
Instead of feeling deprived and trying to save money for the perfect vacation, look into hiring a travel agent to find the best deals and use their payment plans to afford the best getaway.
“It’s easy to do a small deposit and make monthly payments, so that makes it affordable for many people,” Hawkins says. “Instead of saying, I’ve got to give them $3,000 today, they only have to pay $235 per person and they can make monthly payments until about 45 days before departure. So, that makes it really affordable for people that don’t think they can afford it.”
