How direct debit instalments work on planholidays

One of the things customers most often ask us is how exactly the direct debit option works. The short version: you pay a deposit at booking, then equal monthly payments until 8 weeks before you fly.

How it splits For a £1,200pp holiday booked 8 months ahead:

• Deposit (15%): £180pp at booking
• Remaining: £1,020pp split across 6 monthly direct debits of £170pp
• Final balance due: 8 weeks before departure

No interest, no credit check We're a holiday operator, not a lender. There's no APR because there's no borrowing — you're just paying us in instalments under a continuous payment authority via GoCardless. We don't pull your credit file.

What happens if I need to cancel? Free changes up to 8 weeks before. Cancellations follow our standard terms — deposit is non-refundable, but everything else paid in is refundable up until 8 weeks out.

What if a payment bounces? We'll email you and retry in 3 working days. Two consecutive failures and we'll call before doing anything to the booking.

The catch Honestly — there isn't one. Direct debit instalments are the lowest-friction way to pay because we save on card processing fees and pass that back to you in the form of no booking fees.