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Fund Your Next Adventure With a Low Fixed APR Vacation Loan.

When compared to high-interest credit cards, a personal loan can offer significant savings. Shop for the lowest rates from our network of 15+ lenders with no impact to your credit score.

Travel Loans to Fit Your Budget

Whether you just need a little extra cash or a lot, we’ve got a travel loan to fit your needs. Our lenders offer loans from $600 to $100,000 with fixed rates starting at 5.40% APR (with autopay)1 – an attractive alternative to high APR credit cards. While we don’t recommend taking out a loan to travel beyond your means, a personal loan can come in handy if you need to pay for a trip up front (or if your cousin decides to have a last-minute surprise destination wedding).

How Does a Vacation Loan Work?

Set a Budget and Determine Your Loan Amount.

Carefully consider how much money you need to cover flights and other travel, accommodation, food, and activities for your trip. Don’t take out a loan for more than you need, but do consider any expenses your savings cannot cover.

Check Rates and Compare Lenders.

Use our Find my Rate tool to shop multiple lenders with one form in minutes. Checking rates does not affect your credit score.

Apply Online and Upload Documents.

After determining your best option, simply select the offer and complete the lender’s full application. You may also need to provide supporting documents, like income or identity verification.

Get Funded.

The lender will review your application and provide funds upon approval. This can take anywhere from one day to a few business days.

How Can I Use a Vacation Loan?

Book in Advance

If you’re going on a cruise or booking a trip through a travel agency, you may need to pay for your trip in full several months before it happens. Instead of charging this expense on a credit card with an APR in the double digits, see what you can save with a vacation loan.

Fly Around the World

International flights can be costly, and scoring the best deal often means booking your flight in as far advance as possible. If you need to book a flight but your savings account isn’t there yet, a vacation loan can save the day.

Unexpected Travel

Life doesn’t always go as planned, and an emergency could require you to book a last-minute trip with exorbitant prices. A vacation loan can be a better alternative than high-interest credit card debt, and with a fixed monthly payment, you’ll know exactly when you’ll be debt-free.

Vacation Loan Calculator

See how much your vacation loan will cost in seconds. Enter your loan amount, interest rate, and repayment term to view your estimated monthly payment and total interest.

Enter Your Loan Information

Loan Amount
The total amount of money you would like to take out a loan for.
Interest Rate
The amount that the lender charges in interest, expressed as a percentage.
The length of time you have to repay your vacation loan debt in full.


Monthly payment icon


Monthly Payment

lifetime interest icon


Lifetime Interest

Want to find a low interest home improvement loan? Use our rate comparison tool to check multiple lenders in 2 minutes with no impact on credit.

Vacation Loans – FAQ

A vacation loan is simply a personal loan used to pay for vacation-related expenses. A personal loan is an installment loan that allows you to borrow money from a lender and repay the funds on a monthly basis. Our partner lenders offer fixed interest rates, so your monthly payment will never change, and you can select the repayment term that best fits your budget.

If you have strong credit but your current credit cards have high APRs, a vacation loan can be a cheaper option than racking up high-interest credit card debt. We don’t advise taking out a vacation loan for more money than you need or planning a lavish trip beyond your means. However, if you can secure a lower interest rate on a vacation loan than your credit card APR, or if you plan to aggressively pay off the loan, it can be a good option.

Once you’ve prequalified, you’ll apply directly with the lender you choose, which generally takes less than 15 minutes. The lender will run a hard credit check and you may be required to submit some documentation such as a paystub. If your loan is approved, the lender will typically wire the funds directly to your bank account.

All in all, the process can be completed in anywhere from the same day to a few business days, depending on the lender.

A vacation loan is not a good financial move if you are funding an extravagant trip that’s way out of your budget. Be sure that you can afford the monthly payments before you take out the loan, and consider the total cost of the funds (including any interest you would pay throughout the life of the loan and the origination fee, if applicable). It’s also important to shop around and compare rates to find your best option, including any promotional credit cards with 0% interest that you may qualify for.

The lowest rates advertised by lenders are usually only available to borrowers with excellent credit who meet the lender’s other criteria. Typically, the higher your credit score, the better your chance to secure a low rate. Lenders also consider your income, debt-to-income ratio (DTI), and other criteria.

Our rate comparison tool allows you to quickly compare options from 15+ lenders with one form. You can also easily recheck rates in the future to see if your offers change.

Some lenders will fund a vacation loan within the same day, but it can also take a bit longer (up to a few business days) depending on the lender you choose. You may also need to provide supporting documentation to secure your loan, like income verification or an ID.