I chose to use TravelPay for an overseas family trip over Christmas. From experience, I know travelling over the holiday season is already expensive as this is a peak season and that plane tickets only get more expensive as time goes on. The trip was for multiple people during a high-season period, so I didn't have the whole chunk of cash that was needed on hand. However, with TravelPay, I was able to book my flights at a very reasonable price in April and chose the five month payment plan. As expected, prices have only gone up for my selected dates, but I've already booked my tickets at a specific price, so I don't have to worry about that.