Discover how it works
Fly Now, Pay Over Time
Book the best deals on plane fares for your next adventure, then pay over time with Citizens Pay®.
Benefits of Booking with Citizens Pay
Citizens Pay is the simple and easy way to book your flights through ASAP Tickets with simple financing, providing peace of mind that you can afford to travel whenever you want, wherever you want.
Automatic Payment Options
Conveniently setup autopay on your Citizens Pay Line of Credit during checkout so you can set it and forget it.
Instant Credit Decision
Check your eligibility in seconds to see your buying power.
No Upfront Costs
A Citizens Pay Line of Credit allows you to travel your way with $0 down.
Travel more and stress less
Book your plane fare using Citizens Pay on flights with a $500 minimum. Make convenient fixed-monthly payments over 18 months on your booking.
24/7 Online Account Access
Save time with quick and easy access to your account details around-the-clock at pay.citizensbank.com or through our Citizens Pay App.
Discover how it works
Select Citizens Pay at Checkout
Add your item to your cart as usual, and select Citizens Pay as your payment method. In order to use Citizens Pay, please make sure your total is $500 or more, pre-tax.
Apply with Citizens Pay
Applying for a Citizens Pay Line of Credit is easy. Fill out the form, review and agree to the terms at the bottom and submit your application to Citizens Pay. You will receive a real time decision on your application.
Complete Your Purchase
Once you’ve been approved for a Citizens Pay Line of Credit, confirm and book securely online, get e-tickets and prepare for adventure. For extra ease, we recommend setting up automatic payments. Then, come back and use your existing Citizens Pay Line of Credit for your next trip.
Frequently Asked Questions
What is a Citizens Pay Line of Credit?
What information will I need in order to apply for a Citizens Pay Line of Credit?
Why do you need my Social Security Number (SSN)?
Will my credit be impacted when I apply for a Citizens Pay Line of Credit?
Will submitting an eligibility check for a Citizens Pay Line of Credit impact my credit report?
When will my credit report be impacted by an application for a Citizens Pay Line of Credit?
If I am eligible for a Citizens Pay Line of Credit will I automatically be approved?
My Citizens Pay Line of Credit application is still pending. What does this mean?
If I am approved for a Line of Credit but do not complete the purchase process, will the inquiry still show on my credit report?
If I am approved for a Citizens Pay Line of Credit but do not complete the purchase process will my account be automatically closed?
Can I use the Citizens Pay Line of Credit to make future purchases?
Where can I view my Citizens Pay account summary and payment history?
I was declined for a Citizens Pay Line of Credit. What may have caused this?
What is the Citizens Pay Line of Credit Servicing Portal?
How do I make payments for my Citizens Pay Line of Credit?
Are there any fees for my Citizens Pay Line of Credit for ASAP Tickets?
How much can I borrow?
Do I get a paper statement with the Citizens Pay Line of Credit?
Who do I contact with questions about my travel purchase?
What is the interest rate on my ASAP Tickets travel purchase?
How is the minimum payment due is calculated?
Can my credit line be increased?
Can I have more than one Citizens Pay Line of Credit at a time?
Can I get a refund?
*Promotional APR: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase: $500. 19.99% APR from the date an eligible purchase is posted to your account until paid in full. Monthly payment and total finance charges are estimates, do not include taxes, and may vary from the actual minimum payment due and interest charges that will be shown on your Citizens Pay Line of Credit statement. Limited time offer. Standard Purchase APR is 29.99% for non-promotional purchases. Subject to credit approval. Other transactions affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Account must be in good standing. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.