Paying for a trip in monthly payments primarily appeals to consumers with average credit ratings who are willing to accept short-term, interest-based loans. But consumers with high credit scores also appear to be getting tempted into splurging on luxury trips if companies lend them credit on attractive terms. The new installment products - called layaway when paid off prior to trip and a loan if paid off after - have been common in developing countries. But the concept hadn’t gained cachet in the United States until the past year. Get the full story at Skift