Vacation Loans
Explore the world with a loan for travel
- Personal loans up to $10,000
- No credit history is needed
- Fixed APRs
- Funding within 1 business day
Key Takeaways
- A vacation loan is a personal loan used to pay for travel costs, including transportation, lodging, and activities.
- Personal loan APRs usually range from 5.99% to 35.99%, with higher APRs for borrowers with bad credit.
- Eligibility depends on the lender. 1F Cash Advance simplifies the process and accepts borrowers with any credit.
- Before applying, review your finances and decide if you truly need a loan, since the debt remains after your trip ends.
While a vacation is supposed to be relaxing and fun, planning for it may be stressful. At 1F Cash Advance, we can help you get extra money from one of the lenders in our network so you can focus on your trip instead. From a small loan for extra money needed during your trip to a personal loan for larger travel expenses, we’ve got you covered. Apply online and get the money for the vacation you’ve always dreamed of.
Finance Your Dream Vacation with 1F Cash Advance
Personal loans can be used for a wide range of travel-related expenses:
Vacation Package
Whether it’s a budget domestic trip, a trip abroad, a cruise, a group tour, or a family vacation, the loan can help you book it early and lock in available prices.
Transportation
Buy plane tickets or use the funds to cover any other transportation costs during your travels.
Lodging
Book hotels, pay for your Airbnbs, or cover the bed & breakfast costs, all without putting those expenses on a credit card.
Food & Drinks
Try new cuisines and have a unique dining experience without worrying about your finances.
Attractions
Get the money you need to cover paid entertainment like museums, amusement parks, zoos, tours, ski lifts, concerts, and national park entry fees.
How to Get a Vacation Loan
The application process only involves three simple steps:
Access your offer
Fill out an online form and wait a few minutes to see whether you qualify.
Apply NowAccept the terms
If approved*, review your loan agreement carefully and e-sign if the conditions fit.
Receive the funds
The money will be deposited into your account within 1 business day after approval.
*Approval is not guaranteed and depends on your credit and financial situation.
Will You Qualify for Vacation Financing with Us?
Borrowing money through 1F Cash Advance is as easy as ABC. Here are the basic vacation loan requirements:
- Be at least 18 years old
- Provide a valid ID and SSN
- Have an active bank account in your name
- Provide proof of income and address
- Provide your email address and cell phone number
Rates and Terms
Vacation personal loan APRs range from 5.99% to 35.99%. As of May 2026, the average rate on a 24-month personal loan at U.S. commercial banks was 11.86%.1 Borrowers with bad credit are usually offered higher APRs that may reach 200%. For small, short-term loans, you may be charged between $10 and $30 for each $100 borrowed (translates to an APR of 260%–782% for a 14-day loan). Your credit and state may also affect the terms. Learn more about the rates applicable in your state.
1F Cash Advance Will Help You Get There
Whether you need to finance a trip or are just looking for extra vacation money for your travel expenses, 1F Cash Advance is here to help you find the right loan for any costs.
Flexible loan terms
Get from $500 to $10,000 for your trip, with up to 60 months to pay back. This flexibility makes your loan budget-friendly, allowing you to focus on what matters most.
Bad credit is accepted
Our lenders offer loan options for borrowers of all credit backgrounds. The underwriting process may sometimes involve a hard credit check, but your credit score is not the only factor lenders consider.
Fast funding
Even if your trip was not planned, we can help you catch a last-minute flight. Through us, you can get the funds as soon as the same day after approval.**
**Same-day funding is possible for approvals before 10:30 am on a weekday.
Predictable monthly payments
Our lenders let you pay for a vacation in fixed installments, making your payments easier to manage. No hidden fees are charged, so you will always know exactly what you owe.
What People Say About Us
Here is what our customers think.
FAQ
What is a vacation loan?
A vacation loan is simply a personal loan used to cover travel-related expenses. It usually provides you with a lump sum of money that needs to be repaid in fixed installments over a set period, usually up to 60 months.
How quickly will I receive the funds after I apply?
Typical funding time is the next business day after approval. However, you may receive the money on the day you apply if you finalize your loan before 10:30 am on a banking day.
What credit scores qualify for vacation loans?
Our lending partners look beyond your credit and set no minimum credit score requirements. Personal loans are available to borrowers with bad or no credit as long as they can prove their ability to repay.
Is it a good idea to finance a vacation with a loan?
Taking out a personal loan to finance a vacation may be a good idea if you face a once-in-a-lifetime opportunity, a time-sensitive offer at a great discount, or an emergency, unavoidable travel. However, it's important to budget for repayment and understand the risks of rising total costs and long-term debt that stays with you long after you get back home – nationally, 41.8% of families already behind on a loan or mortgage payment carry a personal installment loan.2
How much can I borrow for my vacation?
Loans available through 1F Cash Advance allow you to get between $500 and $10,000, depending on the loan type, your credit, income, state, and the lender you work with.
Sources
- 1 Board of Governors of the Federal Reserve System — G.19 Consumer Credit — commercial bank personal loan rate. September 2026.
- 2 Federal Reserve Bank of Boston — Personal Installment Loans: Context and Patterns Among U.S. Households — personal loan use by financial hardship. May 2026.
