• Vacation Loans, Dream Vacation

Start planning your next adventure with LendingPoint

Vacation loans from $1,000 – $36,500*
$
Does not impact your credit score*

3 Simple Steps

Check Your Options

Check Your Options

Get started with a simple application to see your payment options with no impact to your credit score.
Finish Application

Finish Application

Select the best loan terms and monthly payment for you and provide some additional information to complete your application.
Receive Funds

Receive Funds

If approved, the funds could be in your account as soon as the next business day.

Now boarding: your dream destination

Life is full of possibilities, opportunities, and surprises. A vacation loan can help provide the financial resources to make your dream vacation possible.
Benefits of a travel loan:
Loans from $1,000 to $36,500

Flexible terms from 24-72 months

Fixed rate and monthly payment
No pre-payment penalty
Apply Now
Checking offers will not impact your credit score

What Is a Vacation Loan?

A vacation loan is an unsecured personal loan used to pay for travel-related expenses. Consumers may use personal loans to help cover costs such as airfare, hotels, vacation rentals, cruises, activities, or other trip-related expenses.

Unlike a credit card, which has revolving balances and variable interest rates, personal loans typically provide a fixed loan amount, fixed monthly payment, and a set repayment term.

How Do Vacation Loans Work?

  1. Consumers apply for a loan amount based on anticipated travel expenses.
  2. If approved, funds are deposited into the borrower’s bank account.
  3. Borrowers may use the funds for eligible travel-related costs.
  4. The loan is repaid through fixed monthly installments over a set term.

Loan terms, APRs, funding timelines, and eligibility requirements vary by lender and applicant qualifications.

Vacation Loan vs. Credit Card vs. Savings

FEATURE VACATION LOAN CREDIT CARD SAVINGS
Interest Structure Fixed rate Variable APR No borrowing costs
Payment Structure Fixed monthly installment Minimum payment varies No monthly payment
Repayment Timeline Set repayment term Revolving balance N/A
Budget Predictability Predictable monthly payment Payment amount may fluctuate Depends on available savings
Considerations Monthly repayment obligation Interest costs may increase if balances are carried May reduce available emergency funds

Things to Consider Before Using a Vacation Loan

Before applying for a vacation loan, consumers may want to review:

  • Total trip costs, including transportation, lodging, meals, and activities
  • Monthly payment obligations and repayment timelines
  • The total cost of borrowing, including interest and fees
  • Whether travel arrangements are refundable or flexible
  • Available payment options, including savings, credit cards, and personal loans

Loan terms, APRs, eligibility requirements, and funding timelines vary by lender and applicant qualifications.

How to Qualify for a Vacation Loan

Eligibility requirements vary by lender. Personal loan providers generally review factors such as credit history, income, existing debt obligations, and payment history when evaluating applications.

  • Credit profile and borrowing history
  • Current debt obligations
  • Stable income or employment
  • Ability to repay the loan

Many lenders allow applicants to check rates through a soft credit inquiry, which typically does not impact credit scores.

FAQs: Vacation Loans

  • What is a vacation loan?

    A vacation loan is an unsecured personal loan used to pay for travel-related expenses such as flights, hotels, cruises, vacation rentals, tours, transportation, or activities. Borrowers receive funds as a lump sum and repay the loan in fixed monthly installments over a set repayment term. Loan amounts, APRs, repayment terms, and eligibility requirements vary by lender.

  • How do vacation loans work?

    Vacation loans work similarly to other personal loans. After applying and receiving approval, the borrower receives funds that may be used for eligible travel expenses. The loan is then repaid through fixed monthly payments over a set term. Depending on the lender and applicant qualifications, funding may occur as soon as the next business day after final approval.

  • What can a vacation loan be used for?

    Personal loans may be used for a variety of travel-related expenses, including airfare, hotels, vacation rentals, cruises, transportation, activities, travel insurance, and other trip costs. Some borrowers also use personal loans for destination weddings, honeymoons, family travel, or group trips that require large upfront payments.

  • How much can I borrow for a vacation?

    LendingPoint offers personal loans from $1,000 to $36,500, depending on state eligibility and applicant qualifications. Actual loan amounts vary based on factors such as credit history, income, existing debt obligations, and other underwriting considerations.

  • How fast can I receive funds?

    Funding timelines vary by lender and applicant qualifications. With LendingPoint, approved applicants may receive funds as soon as the next business day after final approval. Bank processing times and verification requirements may affect timing.

  • Can you get a vacation loan with no credit check?

    Many established lenders use at least a soft credit inquiry during pre-qualification and may perform a hard credit inquiry during the application process. Consumers should carefully review APRs, fees, repayment terms, and lender reputation when comparing loan options advertised as “no credit check.”

  • What factors do lenders consider when reviewing applications?

    Eligibility requirements vary by lender, but personal loan providers commonly review factors such as credit history, income, existing debt obligations, payment history, and overall ability to repay the loan.

  • Does checking rates affect credit scores?

    Many lenders, including LendingPoint, may allow applicants to check rates through a soft credit inquiry, which typically does not impact credit scores. A hard credit inquiry may occur during the formal application process.

  • How are vacation loans different from credit cards?

    Vacation loans typically have fixed repayment terms and fixed monthly payments, while credit cards generally have revolving balances and variable APRs. Consumers may compare repayment structure, total borrowing costs, and monthly payment obligations when evaluating different payment options.

  • What should consumers consider before borrowing for travel expenses?

    Consumers may want to review the total trip cost, monthly repayment obligations, available savings, refund policies, and the total cost of borrowing before applying for a personal loan. Comparing loan terms, APRs, fees, and repayment schedules can help borrowers better understand their financing options.

This content is for educational purposes only. Loan approval, rates, terms, and funding timelines are subject to underwriting and may vary based on individual circumstances and applicable state laws.

We put customers first

Start planning your next adventure with a vacation loan through LendingPoint

  • Fast and easy loans from $1,000 to $36,500
  • Rates from 7.99% to 35.99% APR
  • Flexible terms from 24 to 72 months
  • Funding as soon as the next business day upon approval
  • No prepayment penalty
Apply Now
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USA PATRIOT Act Notice: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Higher loan amounts may be available through select partners. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month (actual terms and interest rates depend on credit history, income, and other factors). The total amount due under the loan terms is $16,345.12, and the loan disbursement amount is $10,000. The total amount due represents the full amount you will pay over the life of the loan if all payments are made as scheduled. In this example, the amount financed is $10,000, and the finance charge is $6,345.12, which includes a 10% origination fee. Customers may have the option to deduct the origination fee from the loan proceeds. If this option is selected, the amount disbursed will be less than the amount requested. For example, for a $10,000 loan with a 10% origination fee ($1,000), the amount disbursed would be $9,000.

* Applications submitted may be funded by one of several lenders including First Electronics Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500. Upon final underwriting approval to fund a loan, said funds are often available the next non-holiday business day. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary. Loans are offered from $500 to $10,000 (loan amount maximum based on MCC codes), at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 48 months. For example, for a well-qualified customer, a $5,000 purchase will have a 90-day promotional period with no interest, a 3% fee, and $100 monthly payments. After the promotional period, a remaining balance will be a 24-month term loan, and $263.72 monthly payments with an overall APR of 26.54%.

**Minimum initial transaction of $1,000 in Alabama, Idaho and Iowa.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

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