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Vacations Loans

Stressed? Tired? Bored of the routine? It sounds like you need a break. Go on vacations and make it affordable with a vacation loan!

Installment Loan
Minimum amount


Maximum amount


Loan conditions
Loan conditions
  • Have a valid ID/passport
  • Be over 21
Personal Online Loans




Loan Range Given

$1,000 to $35,000

Loan conditions
Loan conditions
  • Be over 18
  • Have a valid ID/passport
  • Other requirements may be needed to submit the loan request
Personal Loan

Up to 35.99%

Minimum Loan Term

12 months

Maximum Loan Term

30 months

Loan conditions
Loan conditions
  • Be over 18
  • Have a valid ID/passport
  • Have a US Bank Account 
Personal Loan
Minimum Amount


Maximum Amount


Loan conditions
Loan conditions
  • Be over 18
  • Be a US citizen or permanent resident
  • Been employed at your present job for a minimum of 90 days
  • Receive income approximately $1,000/month after tax
  • Have a US Bank Account 

What is a Vacation Loan?

A vacation loan is a type loan designed to finance vacations. It usually is a regular personal loan used to pay the expenses of a vacation. It is used the same way as a personal loan which makes it unsecured - meaning that it doesn’t require any collateral. These loans are normally offered with repayment terms between 1 to 7 years. The rates are fixed and you will have to pay, as any type of loan, monthly.

As usual, the rates and conditions for the loan will depend on your lender, your current financial situation and creditworthiness. So, your eligibility will vary depending on the lender you will want to work with.


Ways to finance your vacations

There are many ways to finance your vacations. They are different and you will have to decide which one is the best fit for you. Here your options:

  • > Vacation or Personal Loan: This option is the one described above. The rates for them range between 5% and 35%. Your credit score may represent an important factor for your eligibility and the cost of the loan you will decide to get. The best part of getting a vacation loan is that you have a term of repayment, so you will not have to pay forever. Actually, you will have a closed end date. Plus, interest rates tend to be lower than other financing methods such as credit cards. Finally, these loans would provide you with a cash amount of $1,000 or as high as $35,000. This way you can pick the amount you need and have full control of it. This one is considered the best product to finance your vacations.

  • > Credit Card: Another option is to get a credit card for financing your vacations. It is important to apply for one that has 0% introductory APR for purchases, so you can avoid paying annoying fees during the first 12 to 24 months - depending on your issuer. If you were to be eligible for one, getting a travel rewards credit card can be another great option. By planning ahead of time, you might be able to get one of these cards that include benefits in airline fares, hotels or accomodation and certain purchases. The downside of this option is that, unlike a personal loan, you will have to deal with higher rates and some extra fees. REMEMBER: A credit card should not be used to finance the whole trip but only part of it.

  • > Line of credit: They are a combination of a personal loan and a credit card. Applying to a line of credit would provide you financing with a lower interest rate than most credit cards. But you will get a lump sum of money in your account. This allows the borrowers to use amounts up to the line of credit amount. And, just as credit cards, you will only have to pay interests in whatever you use from the whole amount. With this option, you do not have to worry about running out of money.

  • > Savings: The safest way to finance your trip would probably be setting a budget and start saving up every week. By opening a savings account for your dream vacation can be very helpful to keep the focus on your goal and not combine your funds. But to get the money for your holidays, it will require you to be disciplined and put at least some sort of cash every paycheck you get. A good way to do this is to set automatic money transfers every two weeks - or less if possible.


Should I use a financing product to pay for my vacations?

To be honest, it would be smarter to save up for your vacations. Financial experts recommend avoiding getting a debt to afford a trip or vacation that you could wait on. The reason for it is that you will be paying way more than you could have spent with your actual money and, if you end up not being able to pay on time, you will not only put yourself in a bigger debt but also damage your credit history for a while.

However, sometimes you will need help financing the things you want to do in the period of time you are ready to do it. This is why getting a loan or a credit card could provide the push you need to relax and get out of the routine. If possible, we recommend borrowers to get a personal loan to afford vacations. These products are the most convenient of all because there is only one debt  with a fixed amount, predictable monthly payments and lower rates. But if you will only need financing support with smaller things during your vacation but you are not sure the exact amount, we recommend getting a credit card, since it doesn’t set a limit on your spending.

For any option that you end up deciding, we recommend you to be reflexive and smart about your finances and how they can impact your personal life.


Tips for financing your next vacations

  • ✅Create a budget and make sure you have a clear vision of where you are going to go, where are you going to stay, the exchange rate in the place you are going, the prices, etc.

  • ✅Try crowdfunding your trip to get free support.

  • ✅Put your money for the trip into a high-interest savings account

  • ✅Get a credit card with travel rewards

  • ✅Use layaway plans to put down a deposit months in advance then pay in increments

  • ✅Book in advance for your hotel and your flight, plus research the best dates, websites and agencies to do it.

  • ✅Use shopping portals, discounts and coupons that apply in the place you are visiting.

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