{"id":41452,"date":"2025-10-29T19:56:33","date_gmt":"2025-10-30T00:56:33","guid":{"rendered":"https:\/\/www.miamiherald.com\/banks\/?p=41452"},"modified":"2025-10-29T19:56:35","modified_gmt":"2025-10-30T00:56:35","slug":"travel-now-pay-later","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/banks\/finances\/travel-now-pay-later\/","title":{"rendered":"Travel Now, Pay Later: How I\u2019ve Mastered Stress-Free Trips With BNPL"},"content":{"rendered":" <p class=\"wp-block-paragraph\">If there\u2019s one area where I can confidently say I\u2019ve earned the crown, it\u2019s travel now, pay later. Over the years, I\u2019ve used just about every buy now, pay later service imaginable\u2014Sezzle, Affirm, Klarna, you name it, even the lesser-known flex pay options\u2014to fund my adventures.<\/p> <p class=\"wp-block-paragraph\">From family road trips to my honeymoon in Greece, these flexible payment plans have helped me see the world without draining my bank account all at once.<\/p> <p class=\"wp-block-paragraph\">I don\u2019t use BNPL out of desperation; I use it because it <em>works<\/em>. For travelers who plan carefully, it\u2019s a tool for freedom, flexibility, and smarter budgeting. Keep reading to learn more about the flex pay process, plus my top tips for traveling on a payment plan.<\/p> <p class=\"custom_key wp-block-paragraph\"><strong>Key Takeaways<\/strong><\/p> <ul class=\"wp-block-list custom_underline\"> <li><strong>BNPLs make travel possible without huge upfront costs.<\/strong> <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/fly-now-pay-later\/\">Book flights<\/a>, hotels, and excursions with flexible payment methods like Sezzle, Affirm, or Uplift.<\/li> <li><strong>Expect some interest or small fees.<\/strong> Rates vary depending on provider, loan amount, and credit information.<\/li> <li><strong>Perfect for planned, not impulsive trips.<\/strong> Use it to manage travel expenses strategically\u2014not as a last-minute bailout.<\/li> <li><strong>Stay organized.<\/strong> Keep track of your payment dates and set reminders to avoid late fees.<\/li> <li><strong>Great for big purchases. <\/strong>Whether it\u2019s a honeymoon in Greece or a family getaway, buy now, pay later travel can help you budget smarter without giving up adventure.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-how-travel-now-pay-later-works\"><strong>How Travel Now, Pay Later Works<\/strong><\/h2> <p class=\"wp-block-paragraph\">BNPL platforms make travel more accessible by breaking down your purchase price into smaller installment payments over time, usually with fixed monthly payments or four easy pay-over-time options. Instead of paying hundreds or thousands upfront for an airline ticket, hotel, or excursion, you can spread the cost into manageable chunks.<\/p> <p class=\"wp-block-paragraph\">During checkout, many travel sites\u2014like Expedia, CheapOair, United Airlines, and Alternative Airlines\u2014offer BNPL options right beside traditional credit card or debit card payments. Once you simply select Flex Pay or the buy now, pay later option, the platform performs a soft credit check and provides you with an instant approval decision. So while it might sound a little complicated, the actual process is pretty quick and easy.<\/p> <p class=\"wp-block-paragraph\">That\u2019s how <em>many <\/em>travelers do it\u2014booking now and paying later as their trips approach. Personally, I like to plan it a little differently. I prefer to have my travel budget and Sezzle allowance settled ahead of time; that way, I know exactly how much I can spend before I book.<\/p> <p class=\"wp-block-paragraph\">For example, if I have a $1,000 budget and a Sezzle line to match, I\u2019ll map that out in advance. When I\u2019m ready to book, I can just enter my Sezzle details at checkout and stay perfectly on track with my spending plan.<\/p> <p class=\"wp-block-paragraph\">This method gives me the same flexibility BNPL offers, just with more intention and zero post-vacation regret.<\/p> <p class=\"wp-block-paragraph\"><strong>Each service works a little differently:<\/strong><\/p> <ul class=\"wp-block-list\"> <li><strong>Affirm<\/strong> offers longer-term financing (often 3\u201312 months) with clear APR ranges and no prepayment penalties.<\/li> <li><strong>Uplift<\/strong> partners directly with airlines like United and provides monthly plans timed to your departure date.<\/li> <li><strong>Sezzle Anywhere<\/strong> uses a virtual card to pay any travel vendor that accepts Visa, perfect for flights, <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/book-now-pay-later-hotels\/\">hotel stays<\/a>, or experiences.<\/li> <li><strong>Klarna<\/strong> gives flexible pay later options and sometimes rewards users with points or cashback on purchases.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-step-by-step-how-to-use-bnpl-for-travel\"><strong>Step-by-Step: How to Use BNPL for Travel<\/strong><\/h2> <p class=\"wp-block-paragraph\">If you\u2019ve never tried buy now, pay later for travel, it\u2019s simpler than most people think. Here\u2019s exactly how I do it:<\/p> <ol class=\"wp-block-list\"> <li><strong>Set your travel budget first.<\/strong> Decide what you can realistically budget for your upcoming trip. For me, that\u2019s often around $1,000\u2013$1,200 depending on destination and timing.<\/li> <li><strong>Check your BNPL spending limit. <\/strong>Before booking, I log into a BNPL account like Sezzle or Affirm to see my available line. This gives me a clear picture of what I can charge now and what my payment schedule will look like later.<\/li> <li><strong>Plan the mix.<\/strong> I usually reserve my line for flights or deposits and handle hotels or extras separately. For example, if I have a $1,000 Sezzle allowance, I\u2019ll apply that strategically to the biggest purchase\u2014like airfare\u2014so my travel foundation is secure.<\/li> <li><strong>Go to checkout. <\/strong>On sites like Expedia, CheapOair, or Alternative Airlines, choose the buy now, pay later or Flex Pay option at checkout. If I don\u2019t see the BNPL I want, I generate a one-time-use virtual card and enter it like a regular Visa at checkout. It works seamlessly for bookings that don\u2019t list Sezzle as a payment method.<\/li> <li><strong>Track your payments. <\/strong>Once booked, I immediately check both dashboards (travel site and BNPL app) to verify the total cost, payment dates, and reminders.<\/li> <li><strong>Pay early when possible.<\/strong> I often pay off the balance ahead of schedule. This not only keeps my credit healthy but also resets my allowance faster for my next trip.<\/li> <\/ol> <h2 class=\"wp-block-heading\" id=\"h-the-bigger-conversation-around-bnpl-travel\"><strong>The Bigger Conversation Around BNPL Travel<\/strong><\/h2> <p class=\"wp-block-paragraph\">The idea of using buy now, pay later for travel is no longer niche; it\u2019s becoming a cultural talking point on<a href=\"https:\/\/www.reddit.com\/r\/stocks\/comments\/1k6st4h\/more_travelers_are_using_buy_now_pay_later_plans\/\"> social threads.<\/a> According to CNBC, nearly<a href=\"https:\/\/www.cnbc.com\/2025\/04\/23\/using-bnpl-for-travel-more-are-using-it-especially-gen-z-travelers.html\"> one in five<\/a> American travelers plans to use a BNPL service for their vacations this year. <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/apps-like-klarna\/\">Apps like Klarna<\/a> and Affirm report record growth\u2014Klarna\u2019s travel bookings jumped 50%, and Affirm\u2019s travel and ticketing volume topped $1 billion in late 2024.<\/p> <p class=\"wp-block-paragraph\">For many, the appeal is instant relief. <em>\u201cIt felt like a lifesaver,\u201d<\/em> said Kristin Herman, who used BNPL for a last-minute Miami trip. But when she missed a reminder, <em>\u201cone skipped payment turned into fees.\u201d<\/em> Others, like Rane Teo, describe their experience as <em>\u201ceasy and convenient,\u201d<\/em> having used BNPL to split the cost of a family stay in Indonesia into three monthly installments.<\/p> <p class=\"wp-block-paragraph\">Those two stories capture the divide perfectly. BNPL can be a tool for freedom or a fast track to frustration depending on how it\u2019s managed.<\/p> <h3 class=\"wp-block-heading\" id=\"h-why-travelers-are-doing-it\"><strong>Why Travelers Are Doing It<\/strong><\/h3> <ul class=\"wp-block-list\"> <li><strong>Accessibility:<\/strong> Quick approvals, soft credit checks, and the promise of <em>no upfront cost<\/em> make it simple to say yes.<\/li> <li><strong>Flexibility:<\/strong> Spreading payments can ease short-term strain, especially after price jumps or unexpected life expenses.<\/li> <li><strong>Mindset shift:<\/strong> Many Gen Z and younger millennial travelers view experiences as investments in joy and identity rather than luxuries.<\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-and-why-some-people-worry\"><strong>And Why Some People Worry<\/strong><\/h3> <p class=\"wp-block-paragraph\">Critics warn that the trend can disguise financial strain. Comments in the same thread show real concern:<\/p> <ul class=\"wp-block-list\"> <li><em>\u201cNever go into debt for your vacation. How can anyone relax with debt hanging over them?\u201d<\/em><\/li> <li><em>\u201cIt\u2019s easy to be okay with more debt when you\u2019ve grown up financing everything\u2014student loans, phones, even clothes.\u201d<\/em><\/li> <li><em>\u201cI\u2019m not against installments if there\u2019s no interest, but if it starts adding up, that\u2019s not a break\u2014it\u2019s a burden.\u201d<\/em><\/li> <\/ul> <p class=\"wp-block-paragraph\">There\u2019s also a generational divide. Some commenters note that Gen Z is simply using the tools they were raised with. For some, BNPL feels more natural than credit cards. Others argue it reflects a culture that expects instant gratification and prioritizes <em>now<\/em> over <em>later.<\/em><\/p> <h2 class=\"wp-block-heading\" id=\"h-my-real-life-travel-bnpl-experiences\"><strong>My Real-Life Travel BNPL Experiences<\/strong><\/h2> <p class=\"wp-block-paragraph\">I\u2019ve tested nearly all of them\u2014and not just in theory.<\/p> <ul class=\"wp-block-list\"> <li><strong>CheapOair Flight Booking:<\/strong> My total was $933.50, financed through Affirm with a 29.94% APR, bringing the total to $1,086.28. While the interest was steep, it allowed me to book a trip without touching my emergency savings.<\/li> <li><strong>Expedia Hotel:<\/strong> I financed $631.90 with 29.99% APR, totaling $686.80. The rate wasn\u2019t ideal, but it gave me low monthly payments and time to spread out the expense before my trip.<\/li> <li><strong>Sezzle (Homeymoon Travel):<\/strong> My total came to $524.47, including an $8.49 fee. This one was for my honeymoon, and I loved how simple it was\u2014surprise, free monthly payments, zero stress, and full transparency.<\/li> <\/ul> <p class=\"wp-block-paragraph\">These examples highlight how flexible BNPL really is. Whether it\u2019s booking a flight ticket, hotel, or experience, there\u2019s almost always a pay later option available if you know where to look.<\/p> <h2 class=\"wp-block-heading\" id=\"h-when-to-use-travel-bnpl-and-when-not-to\"><strong>When to Use Travel BNPL\u2014and When Not To<\/strong><\/h2> <figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info.png\" alt=\"BNPL for travel\" class=\"wp-image-41457\" srcset=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info.png 1024w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info-300x300.png 300w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info-150x150.png 150w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info-768x768.png 768w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info-280x280.png 280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure> <p class=\"wp-block-paragraph\">BNPL can be a powerful budgeting tool, but it\u2019s not for everyone or every trip. Here\u2019s when it makes sense:<\/p> <ul class=\"wp-block-list\"> <li><strong>You\u2019re booking early.<\/strong> Split your down payment and pay off your balance before your departure date.<\/li> <li><strong>You find a great fare.<\/strong> Lock in your flight before prices rise, even if your next paycheck hasn\u2019t hit yet.<\/li> <li><strong>You\u2019re planning a big vacation.<\/strong> Using a monthly plan helps make large travel expenses more manageable.<\/li> <li><strong>You\u2019re protecting your cash flow.<\/strong> Keeping some cash in reserve for emergencies while paying off your trip gradually can reduce stress.<\/li> <li><strong>You\u2019re confident about your payment dates.<\/strong> If you\u2019re organized and make on-time payments, BNPL can be seamless.<\/li> <\/ul> <p class=\"wp-block-paragraph\">Avoid BNPL if you\u2019re uncertain about your budget, struggle with late payments, or tend to overspend when options feel too easy. The key is intentional use, not impulse booking.<\/p> <h3 class=\"wp-block-heading\" id=\"h-what-to-watch-out-for\"><strong>What to Watch Out For<\/strong><\/h3> <ul class=\"wp-block-list\"> <li><strong>Interest Rates:<\/strong> As my CheapOair and Expedia examples show, some loans can carry high APRs (near 30%). Read the actual terms carefully.<\/li> <li><strong>Fees and Late Charges:<\/strong> While many services promise no surprise fees, missed payment dates can trigger late fees or affect your credit score.<\/li> <li><strong>Eligibility:<\/strong> Most services require you to be a U.S. resident, provide basic information like your Social Security number and mobile number, and be at least 18.<\/li> <li><strong>Short Application \u2260 Free Money:<\/strong> BNPL makes travel easier, but it\u2019s still a loan\u2014so borrow responsibly.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-fun-ways-to-travel-now-pay-later\"><strong>Fun Ways to Travel Now, Pay Later<\/strong><\/h2> <p class=\"wp-block-paragraph\">Here\u2019s where it gets creative, because buy now, pay later travel isn\u2019t just for airfare and hotel rooms. If you\u2019re strategic, you can use it to build full experiences and even surprise someone you love.<\/p> <figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1.png\" alt=\"fun ways to travel now pay later\" class=\"wp-image-41458\" srcset=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1.png 1024w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1-300x300.png 300w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1-150x150.png 150w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1-768x768.png 768w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-info1-280x280.png 280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure> <ul class=\"wp-block-list\"> <li><strong>Plan a Birthday Getaway:<\/strong> Use Sezzle for a small Airbnb or boutique stay and Affirm for flight tickets, making the whole trip payable in comfortable installments.<\/li> <li><strong>Book Your Honeymoon Early:<\/strong> I used BNPL to pay for my Greece flights, which let me snag a great fare months in advance without emptying savings.<\/li> <li><strong>Create a \u201cMini-Moon\u201d or Weekend Escape:<\/strong> Use Klarna\u2019s virtual card for travel purchases like gas, food, or local tours, then pay over time.<\/li> <li><strong>Build a Vacation Payment Chain:<\/strong> <a rel=\"nofollow sponsored\" target=\"_blank\" href=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" data-shortcode=\"true\">Use Sezzle for buying flights<\/a>, Affirm for hotels, and pay for excursions in four easy payments with Uplift. It\u2019s like building your trip one layer at a time, stress-free.<\/li> <li><strong>Gift Travel Instead of Things:<\/strong> Surprise a loved one with thoughtful purchases like prepaid flights, a hotel reservation, or other thoughtful purposes, and quietly handle it on a monthly plan behind the scenes.<\/li> <li><strong>Content or Business Trips:<\/strong> For travel bloggers, photographers, or creators, BNPL lets you invest in travel-related projects without upfront strain. Just plan around your payment schedule.<\/li> <\/ul> <p class=\"wp-block-paragraph\">The trick is mixing practicality with pleasure. BNPL gives you room to make spontaneous memories <em>without financial regret.<\/em><\/p> <div class=\"bottom-line\"> <h2>Bottom Line<\/h2> <p>At the end of the day, travel now, pay later isn\u2019t about escaping responsibility. Instead, it\u2019s about creating more room to live your life while staying within your means. While not everyone will need it for an upcoming trip, for me, it\u2019s never been about \u201cwinging it\u201d financially; it\u2019s about intentional flexibility.<\/p> <p>That\u2019s why I love using Sezzle. It gives me a way to plan ahead, stay organized, and still enjoy the freedom to book a trip when the timing feels right. Whether it\u2019s a long-awaited honeymoon or a quick weekend getaway, Sezzle\u2019s four easy payments and transparent no-interest options make it simple to explore the world without the stress of big upfront costs.<\/p> <p>So yes\u2014I may be the queen of travel now, pay later, but I\u2019m also proof that with a little planning and a helpful BNPL tool like Sezzle, adventure doesn\u2019t have to wait until your next paycheck.<\/p> <\/div> <h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761554922623\"><strong class=\"schema-faq-question\"><strong>Can I use Affirm or Sezzle to book a flight?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Many travel websites and booking platforms like CheapOair, Alternative Airlines, and Expedia let you <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/sezzle-vs-affirm\/\">select Affirm or Sezzle<\/a> during checkout. Affirm works best for larger trips with longer monthly plans, while Sezzle is ideal for smaller travel purchases paid over six weeks.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761554926908\"><strong class=\"schema-faq-question\"><strong>Does travel now, pay later require a credit check?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most services use a soft credit check, meaning it won\u2019t impact your credit score. However, lending partners like Affirm may perform a hard check for larger amounts or longer-term loans.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761554930920\"><strong class=\"schema-faq-question\"><strong>Are there interest charges on BNPL travel plans?<\/strong><\/strong> <p class=\"schema-faq-answer\">It depends. Some <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/best-buy-now-pay-later-apps\/\">buy now pay later services<\/a> offer zero-interest options if you pay on time, while others charge APRs ranging from 0% to 36%. Always read your purchase details before confirming.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761554935260\"><strong class=\"schema-faq-question\"><strong>What happens if I miss a payment?<\/strong><\/strong> <p class=\"schema-faq-answer\">Missing a payment date can result in late fees or suspension of future BNPL use. Some BNPL providers report missed payments to credit bureaus, so it\u2019s best to set reminders or autopay.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761554940139\"><strong class=\"schema-faq-question\"><strong>Is travel now, pay later worth it?<\/strong><\/strong> <p class=\"schema-faq-answer\">For many travelers\u2014especially families or those balancing multiple expenses\u2014it can be. It offers more flexibility and immediate access to your next trip without major upfront costs. As long as you understand the cost, track your payments, and book responsibly, it can be a fantastic tool for turning your travel plans into reality.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>If there\u2019s one area where I can confidently say I\u2019ve earned the crown, it\u2019s travel now, pay later. Over the years, I\u2019ve used just about every buy now, pay later service imaginable\u2014Sezzle, Affirm, Klarna, you name it, even the lesser-known flex pay options\u2014to fund my adventures. From family road trips to my honeymoon in Greece, [&hellip;]<\/p> ","protected":false},"author":14,"featured_media":41456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[277],"tags":[],"class_list":["post-41452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances"],"acf":{"zone_id":"","sponsored":false,"external_author":40432,"external_editor":"","not_show_feature_image":false},"featured_image_src":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-feature-img.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/banks\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Travel Now, Pay Later: How I\u2019ve Mastered Stress-Free Trips<\/title>\n<meta name=\"description\" content=\"Learn how to travel now and pay later with Sezzle, Affirm, and Klarna\u2014smart tips, real examples, and flexible ways to fund your next trip.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/banks\/finances\/travel-now-pay-later\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Travel Now, Pay Later: How I\u2019ve Mastered Stress-Free Trips With BNPL\" \/>\n<meta property=\"og:description\" content=\"Learn how to travel now and pay later with Sezzle, Affirm, and Klarna\u2014smart tips, real examples, and flexible ways to fund your next trip.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.miamiherald.com\/banks\/finances\/travel-now-pay-later\/\" \/>\n<meta property=\"og:site_name\" content=\"Miami Herald - Personal Finance\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-30T00:56:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T00:56:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/10\/Travel-Now-Pay-Later-feature-img.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"535\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/finances\\\/travel-now-pay-later\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/finances\\\/travel-now-pay-later\\\/\"},\"author\":{\"@type\":\"Person\",\"image\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Mary-Elizabeth-Dean-scaled.jpg\",\"name\":\"Mary Elizabeth Dean\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.miamiherald.com\\\/banks\\\/author\\\/mary-elizabeth-dean\\\/\",\"description\":\"&lt;p&gt;&lt;span data-olk-copy-source=&quot;MessageBody&quot;&gt;Mary Elizabeth Dean is a former teacher and MBA with a background as a serial entrepreneur. 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