Affirm, Afterpay, and Klarna are all available at Laters.com checkout for flights to San Francisco. Approval takes seconds, your e-ticket arrives instantly, and you can split a cross-country or international fare into manageable monthly payments without touching your savings.
Available in the United States
Affirm lets you split your San Francisco fare into monthly payments over 3, 6, or 12 months. Rates range from 0% to 36% APR depending on your credit profile and the plan you choose. No hidden fees, no late surprises — you see the full cost before you confirm.
Available in the United States, Australia, Canada, UK
Afterpay splits your SFO fare into four equal fortnightly payments, all interest-free. It works for travellers booking from the US, Australia, or Canada, and approval is near-instant at checkout. Your booking is confirmed and your e-ticket issued the moment the first payment clears.
Compare 40+ airlines to San Francisco and split your fare with Affirm, Afterpay, or Klarna.
40+ airlines to San Francisco (SFO) · BNPL at checkout · Instant e-ticket delivery
Choose your BNPL provider at checkout.
Available in US, UK, Canada, Australia, and 20+ markets
Klarna offers a pay-in-4 option for shorter-term splits or a monthly financing plan for larger transatlantic and transpacific fares into SFO. The soft credit check at approval won't affect your credit score. Widely accepted across North America and Europe, it's the most globally portable option on this list.
Available in the US and Australia
Zip divides your San Francisco flight cost into four equal fortnightly instalments with zero interest. It's a solid choice for US-based travellers who want a straightforward split without a long financing term. Approval is quick, and the e-ticket lands in your inbox immediately after the first payment.
From search to e-ticket in under three minutes.
Enter your origin city, select San Francisco (SFO) 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.
San Francisco · SFO · US
Value for Money
4/10
Flight Frequency
9/10
BNPL Availability
8/10
Airport Experience
7/10
Visa Ease
6/10
Destination Appeal
9/10
Editorial snapshot
Flying into SFO rewards those who plan ahead. Domestic fares from the East Coast and Midwest tend to be most competitive in January through March and again in September. Transatlantic routes from London and Frankfurt see their lowest prices in the same shoulder windows. The city suits curious, independent travellers who want culture, food, and walkable neighbourhoods rather than a beach or a theme park.
Score based on Laters booking data and editorial review, 2026
January through March is the sweet spot for cheap flights to San Francisco: demand drops after the holiday season, the city's famous fog rolls in, and fares on domestic and many international routes hit their annual lows. Summer is the most expensive period, driven by school holidays and tech-conference season, with July and August commanding the steepest premiums.
| Month | Price Band | Demand | Travel note |
|---|---|---|---|
| January | Budget | Low | Post-holiday lull; Chinese New Year festivities start late month. |
| February | Budget | Low | Chinese New Year parade draws crowds; book flights early. |
| March | Budget | Medium | St. Patrick's Day parade; spring shoulder season begins. |
| April | Mid | Medium | Cherry blossoms in Japantown; mild and increasingly sunny. |
| May | Mid | Medium | Bay to Breakers race; fares begin climbing toward summer. |
| June | Peak | High | Pride Month and the iconic Pride Parade; book well ahead. |
| July | Peak | High | Fourth of July fireworks; peak summer demand, highest fares. |
| August | Peak | High | Fog season at its thickest; still the busiest travel month. |
| September | Mid | Medium | Warmest month of the year; fares ease after Labor Day. |
| October | Mid | Medium | Halloween in the Castro draws large crowds to the city. |
| November | Mid | Medium | Thanksgiving week spikes fares; book domestic routes early. |
| December | Peak | High | Ghirardelli Square tree lighting; holiday fares at a premium. |
Cheapest month
January — average fares around $89 one-way
Peak season warning
June through August and December: fares typically rise 40-65% above the annual average. Book 10-14 weeks ahead.
Fares are estimates based on typical prices and may vary by date and availability.
IATA: SFO · 21 km from Union Square · 29 km from the Golden Gate Bridge
SFO operates across four terminals — Terminal 1, 2, 3, and the International Terminal — connected airside by a train and landside by the free AirTrain loop. United Airlines dominates with its hub operations in Terminals 1 and 3, while international carriers concentrate in the International Terminal's Boarding Areas A and G. US Customs queues can be long on busy transatlantic and transpacific arrivals; budget at least 60-90 minutes for immigration if arriving internationally.
| Transport | Cost (approx) | Duration |
|---|---|---|
| BART (Bay Area Rapid Transit) | USD 10-11 to downtown | 30 min to Powell St / Union Square |
| Rideshare (Uber / Lyft) | USD 35-55 to downtown | 25-50 min depending on traffic |
| Taxi | USD 45-65 to downtown | 25-50 min depending on traffic |
IATA: OAK · 20 km from downtown Oakland · 35 km from Union Square, San Francisco
Oakland Airport is a practical alternative for budget travellers, served primarily by Southwest Airlines and a handful of domestic low-cost carriers. Getting into San Francisco from OAK requires a free shuttle to the BART Coliseum station, then a 30-minute BART ride across the bay. Factor in the extra transit leg when comparing fares — a USD 30 saving on the ticket can evaporate in cab fare.
| Transport | Cost (approx) | Duration |
|---|---|---|
| BART (via OAK Connector shuttle) | USD 11-12 to Powell St | 45-55 min total to Union Square |
| Rideshare (Uber / Lyft) | USD 50-75 to Union Square | 35-55 min depending on Bay Bridge traffic |
IATA: SJC · 80 km from Union Square, San Francisco · 20 km from downtown San Jose
SJC is the smallest of the three Bay Area airports and is most useful for travellers whose final destination is the South Bay or Silicon Valley rather than San Francisco itself. Southwest, Alaska, and United operate the most frequent services. Getting to central San Francisco from SJC typically requires a rideshare or rental car; the Caltrain connection involves a bus transfer and takes over 90 minutes.
| Transport | Cost (approx) | Duration |
|---|---|---|
| Rideshare (Uber / Lyft) | USD 70-100 to Union Square | 50-75 min depending on traffic |
| VTA Bus + Caltrain | USD 6-10 total | 90-110 min to San Francisco 4th & King |
Check-in tips
At Laters.com checkout you can split seat upgrades, extra baggage allowances, or lounge access passes into instalments alongside your fare — useful when a transatlantic or transpacific ticket to SFO already stretches the budget.
Make every dollar of your San Francisco trip work harder with these add-ons.
Lock in a window seat for bay-view approaches into SFO on long-haul flights.
Available with all providersSan Francisco's shopping and markets make a spare checked bag worth it.
Split across 3 or 4 paymentsUS medical costs are among the world's highest; coverage is non-negotiable here.
Available with Klarna, AffirmBundle your Union Square or Mission District hotel with your SFO flight.
Pay in instalments at checkoutPre-book a transfer from SFO to avoid surge-priced rideshares on arrival.
Available with Afterpay, ZipA US data SIM keeps Google Maps running on those steep San Francisco hills.
Add at checkout, pay laterThe majority of travellers flying into SFO come from New York, Los Angeles, Seattle, and Chicago on domestic routes, with strong international traffic from London, Tokyo, and Sydney. Domestic fares are highly competitive thanks to multiple carriers on every major corridor.
New York to San Francisco
United, Delta, American, JetBlue · 5h 45m · Direct
Pay in 4 from $45/instalmentLos Angeles to San Francisco
United, Southwest, Alaska, Delta · 1h 20m · Direct
Pay in 3 from $30/instalmentSeattle to San Francisco
Alaska Airlines, United, Southwest · 2h 30m · Direct
Pay in 3 from $36/instalmentChicago to San Francisco
United, American, Southwest · 4h 15m · Direct
Pay in 4 from $37/instalmentLondon to San Francisco
United, British Airways, Virgin Atlantic · 10h 30m · Direct
Pay in 4 from $130/instalmentTokyo to San Francisco
ANA, Japan Airlines, United · 9h 15m · Direct
Pay in 4 from $170/instalmentSydney to San Francisco
Qantas, United · 14h 30m · Direct
Pay in 4 from $223/instalmentToronto to San Francisco
Air Canada, United · 5h 30m · Direct
Pay in 4 from $78/instalmentMexico City to San Francisco
Aeroméxico, United · 4h 40m · Direct
Pay in 4 from $55/instalmentFares are estimates based on typical prices and may vary by date and availability.
Dozens of carriers compete for seats into SFO, keeping fares honest on most major corridors. These are the airlines that fly most frequently and offer the broadest choice of schedules and cabin classes.
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Fares are estimates based on typical prices and may vary by date and availability.
Everything you need to know before booking your San Francisco flight on Laters.
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