Laters.com connects you to the most relevant BNPL providers for Oceania and US-based travellers booking flights to the United States Minor Outlying Islands. Approval is instant, your e-ticket arrives immediately, and you can spread the cost across manageable instalments â no waiting, no paperwork.
Available in Australia, New Zealand, United States
Afterpay splits your fare into four equal fortnightly payments, with zero interest charged. For a route to the Pacific that can run several hundred dollars, breaking it into quarters makes the logistics of a remote expedition feel a lot more manageable. Approval takes seconds at checkout.
Available in Australia, New Zealand, United States
Zip lets you spread your flight cost over four instalments with flexible repayment timing. Given the logistical complexity of reaching these remote atolls â permits, charters, and connecting legs â having breathing room on the fare itself is genuinely useful. Your e-ticket is confirmed immediately.
Compare 3+ airlines to United States Minor Outlying Islands and split your fare with Afterpay, Zip, or Affirm.
3+ airlines to United States Minor Outlying Islands (UM) ¡ BNPL at checkout ¡ Instant e-ticket delivery
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Available in United States
Affirm offers monthly instalment plans ranging from three to twelve months, making it well-suited to higher-cost Pacific routing that often involves connecting through Honolulu or Guam. Rates vary by credit profile, and you see the exact cost before you commit â no surprises.
Available in US, UK, Australia, and 20+ markets
Klarna's Pay in 3 splits your fare into three equal payments spread over six weeks, interest-free. It works across multiple currencies, which is handy given that travellers to the US Minor Outlying Islands often connect through several countries on the way out. Instant approval, no hard credit check.
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Enter your origin city, select United States Minor Outlying Islands (UM) as destination, pick your travel dates and passenger count, and compare airlines side by side.
Scored by our editorial team using booking data, traveller feedback, and independent research. No destination pays to be rated.
United States Minor Outlying Islands ¡ UM ¡ UM
Value for Money
4/10
Flight Frequency
2/10
BNPL Availability
6/10
Airport Experience
3/10
Visa Ease
5/10
Destination Appeal
8/10
Editorial snapshot
Getting here is the adventure. These atolls suit the methodical planner who books six months out, secures permits well in advance, and treats the multi-leg journey through Honolulu as part of the experience. Fares are volatile and infrequent â BNPL helps absorb the upfront cost. Not for the spontaneous weekend tripper. Absolutely for the obsessive naturalist.
Score based on Laters booking data and editorial review, 2026
The narrow window of January through March and September through November offers the most settled weather across the US Minor Outlying Islands, with lower rainfall and calmer seas. The peak cyclone and heavy rain season runs roughly June through August â avoid if possible. Book connecting flights through Honolulu at least eight to twelve weeks out for reasonable fares.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Dry season begins; calm seas favour boat and charter access. |
| February | Budget | Low | Best wildlife viewing; albatross chick season at Midway Atoll. |
| March | Budget | Low | Excellent snorkeling conditions; coral visibility at its clearest. |
| April | Mid | Low | Transitional month; slightly higher humidity beginning to build. |
| May | Mid | Low | Rainfall increases; connecting fares through Honolulu stay moderate. |
| June | Peak | Medium | US summer travel drives up Honolulu connecting fares sharply. |
| July | Peak | High | Peak US holiday season; book connecting legs 12+ weeks ahead. |
| August | Peak | High | Heaviest rainfall season; rough seas limit charter access. |
| September | Mid | Low | Fares drop post-summer; weather begins to improve. |
| October | Budget | Low | Ideal conditions return; lowest connecting fares of the year. |
| November | Budget | Low | Seabird nesting season begins; excellent wildlife photography conditions. |
| December | Peak | Medium | Holiday surcharge on Honolulu flights; book well in advance. |
Cheapest month
October â average fares around $420 one-way
Peak season warning
June-August and December: fares on Honolulu connecting routes rise 40-55% above average. Book 10-14 weeks ahead.
Fares are estimates based on typical prices and may vary by date and availability.
IATA: MDY ¡ Located on Sand Island ¡ the only inhabited island of Midway Atoll
Midway Atoll Airfield is a basic single-runway facility managed by the US Fish and Wildlife Service, with no commercial terminal or retail amenities. Access is by chartered or government aircraft only, and visitor numbers are tightly controlled by permit. Arrivals are typically met by refuge staff; expect a functional, no-frills process that is part of the adventure.
| Transport | Cost (approx) | Duration |
|---|---|---|
| Refuge vehicle transfer | Included in tour package | 5-10 min to Sand Island facilities |
| Walking | Free | 10-15 min across the island |
IATA: AWK ¡ Located on Wake Island ¡ primary atoll landmass
Wake Island Airfield is a US military facility with limited civilian access; most visits are government-authorized or part of organized historical tours. The runway is capable of handling larger aircraft, but passenger amenities are minimal. Visitors should expect military-style check-in procedures and bring all necessary supplies.
| Transport | Cost (approx) | Duration |
|---|---|---|
| Military/tour operator vehicle | Included in authorized tour | 5 min to main island facilities |
| Walking | Free | 15-20 min across the atoll |
IATA: HNL ¡ Primary connecting hub ¡ roughly 1,300 km northeast of Midway Atoll
Nearly all travellers to the US Minor Outlying Islands connect through Honolulu, making Daniel K. Inouye International the practical gateway. The airport has four terminals, a wide range of dining and retail, and good inter-island connections. Hawaiian Airlines and United Airlines are the dominant carriers here for onward Pacific routing.
| Transport | Cost (approx) | Duration |
|---|---|---|
| Taxi / rideshare | USD 30-45 | 20-35 min to Waikiki |
| TheBus (public transit) | USD 3 | 45-60 min to downtown Honolulu |
| Rental car | USD 50-90/day | 20-30 min to Waikiki |
Check-in tips
Before your departure, use Laters.com to split the cost of seat upgrades or lounge access at Honolulu on your way out â particularly useful on long transpacific legs where comfort makes a real difference. Spread the cost over 3 or 4 instalments.
Make every dollar of your remote Pacific expedition work harder.
Choose a window seat for aerial views of the Pacific atolls below.
Available with all providersPack snorkeling and dive gear without worrying about weight limits.
Split over 3 or 4 paymentsRemote location emergencies require robust coverage â don't skip it.
Available with Afterpay, ZipBundle your Honolulu stopover hotel with your connecting flights.
Available with Klarna, AffirmPre-book your Honolulu transfer so you don't scramble on arrival.
Available with Zip, AfterpayStay connected during your Honolulu layover before going off-grid.
Available with all providersMost travellers reach the US Minor Outlying Islands by first flying into Honolulu, Hawaii, then connecting onward by charter or government flight. Los Angeles, Sydney, and Tokyo are the most common long-haul starting points for this routing.
Los Angeles to United States Minor Outlying Islands
United Airlines, Hawaiian Airlines ¡ 5h 30m to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $130/instalmentSydney to United States Minor Outlying Islands
Hawaiian Airlines, Qantas ¡ 9h 30m to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $195/instalmentTokyo to United States Minor Outlying Islands
Japan Airlines, ANA ¡ 7h 45m to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $173/instalmentNew York to United States Minor Outlying Islands
United Airlines, American Airlines ¡ 10h 30m to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $155/instalmentHonolulu to United States Minor Outlying Islands
Charter / US Fish & Wildlife Service ¡ 3h to Midway Atoll ¡ Direct
Pay in 3 from $140/instalmentSeoul to United States Minor Outlying Islands
Korean Air, Asiana Airlines ¡ 8h 30m to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $185/instalmentAuckland to United States Minor Outlying Islands
Air New Zealand, Hawaiian Airlines ¡ 9h to Honolulu + charter ¡ Via Honolulu
Pay in 4 from $178/instalmentFares are estimates based on typical prices and may vary by date and availability.
No carrier flies a scheduled commercial route directly to the US Minor Outlying Islands, but these airlines operate the key transpacific legs that get you to Honolulu â the essential gateway for any onward charter to the atolls.
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