Fixed payment, fixed payoff
Know exactly when the trip is paid off, before you even board the plane.
Vacation Loans
Vacation & Travel Loans
A vacation loan is a fixed-rate personal loan you can use for flights, hotels, cruises, honeymoons, family reunions, or a bucket-list trip. Through The Lending Group's network of U.S. lending partners, qualified borrowers can access $2,500 to $50,000 with APRs from 6.99% and terms of 24 to 84 months — so you can lock in travel dates now and pay on a fixed schedule instead of carrying a credit card balance at 24%+ APR.
- Flights, hotels, cruises, tours, honeymoons — anywhere in the world
- Fixed monthly payment instead of a lingering credit card balance
- Soft credit check — see your rate in 60 seconds with no score impact
- Funds deposited in 1–3 business days after approval
Soft credit check • No impact to score • 60-second form
What is a vacation loan?
A vacation loan is an unsecured personal loan used for travel expenses. Airlines, resorts, and cruise lines all reward early booking with lower prices — and international trips typically require deposits 6–12 months in advance. A vacation loan lets you capture those savings now and repay on a predictable schedule after you're home.
Because the loan is unsecured, no collateral is required. Approval is based on your credit, income, and debt-to-income ratio.
Why a personal loan beats credit cards for travel
Travel credit cards can be great for points, but only if you pay the balance in full. Carry a $6,000 trip across a card at 22% APR and you'll pay roughly $110 per month in interest alone — and the balance can easily follow you for two or three years of minimum payments.
A fixed-rate personal loan replaces that with predictable math. The same $6,000 over 36 months at 12% APR is about $199/month, all in, with a firm payoff date. You can still charge the trip on your rewards card for points and airline protections, then use the loan proceeds to pay the card in full before the statement hits.
Smart ways to structure a vacation loan
Match the term to your comfort level. Most travelers pay off a vacation loan in 24–36 months so the debt doesn't outlast the memories. Stretching a $5,000 trip over 60 months lowers the payment but nearly doubles the total interest paid.
Build in the full cost — flights, lodging, ground transport, activities, travel insurance, meals, and a spending cushion. Borrowing 10% more than your itinerary estimate is cheaper than adding surprise charges to a high-APR card mid-trip.
If the trip is more than 60 days out, apply about 30 days before your first non-refundable deposit. Rates quoted today are typically honored for 30 days.
What to prepare before you apply
Have your legal name, date of birth, Social Security number, current address, employer and monthly income, and bank routing and account numbers ready. Estimate the total trip cost — including tips and travel insurance — before you request an amount.
Why borrowers choose us for vacation & travel loans
Book with confidence
Lock in early-booking prices and non-refundable deposits without maxing a credit card.
Larger amounts
Up to $50,000 — enough for a multi-country trip, safari, or luxury cruise.
Fast funding
1–3 business day funding so deposits don't slip.
Soft-pull rate check
See your APR in 60 seconds with no impact to your credit score.
No prepayment penalty
Bonus at work? Tax refund? Pay it down early with no fees.
Common ways borrowers use these funds
- International flights and premium cabin upgrades
- All-inclusive resorts and cruises
- Honeymoons and anniversary trips
- Family reunions and multi-generational travel
- Bucket-list trips: safaris, Antarctica, Japan, etc.
- Ski trips, dive trips, and adventure travel
- Destination weddings you're attending as a guest
- Extended sabbaticals or gap-year travel
How it works
- Step 1
Check your rate
Answer a few questions and pick the amount you need. Soft credit pull only — no score impact.
- Step 2
Compare and choose
Review offers from our lending partners. Pick the rate and term that fits your budget.
- Step 3
Get funded
Sign electronically, receive funds in 1–3 business days, and book your trip.
Frequently asked questions
How much should I borrow for a vacation?
Borrow only what your monthly budget can absorb comfortably. A good rule: the monthly payment shouldn't push your total debt payments above 40% of monthly take-home pay.
Can I use the loan for a cruise or all-inclusive?
Yes — funds are deposited to your bank account and can be used for any travel expense in any country.
What credit score do I need?
Most lending partners look for a FICO score of 620 or higher, plus verifiable income. Above 700 typically unlocks the lowest rates.
Can I still earn points by charging the trip on my credit card?
Yes. Many travelers charge the trip on a rewards card for the points and protections, then use the loan proceeds to pay the card off in full before interest accrues.
How fast can I get the money?
Most approved borrowers are funded in 1–3 business days after signing.
Are there fees?
Qualifying products in our network have no origination fees, prepayment penalties, or late fees.
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