Vacation Loans
Explore the world with a loan for travel
- Personal loans up to $10,000
- No credit history is needed
- Fixed interest rates
- 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 interest rates 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 take on all the expenses to make the financial side hassle-free. From a small loan for extra money needed during your trip to a personal loan for larger travel expenses, we are here to get you covered. Apply online and get the money for the trip you’ve always dreamed about.
Finance Your Dream Vacation with 1F Cash Advance
Our personal loans can be used for a wide range of travel-related expenses:
Vacation Package
Whether it’s a budget US tour, a trip abroad, a cruise, a group tour, or a family vacation, the loan can help you book it early and save money on your travel.
Transportation
Buy plane tickets or use the funds to cover any other transportation costs during your adventure.
Lodging
Book hotels, pay for your Airbnbs, or cover the bad & breakfast costs, all without accumulating high-interest credit card debt.
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
Our loan 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 with 1F Cash Advance is as easy as ABC. Here are our 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
- Specify your email and cell phone number
Rates and Terms
Interest rates on personal loans for vacation range from 5.99% to 35.99%. Borrowers with bad credit are usually offered higher APRs. For small, short-term loans, you may be charged between $10 and $30 for each $100 borrowed. 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 take care of all the costs.
Flexible loan terms
Get from $500 to $10,000 for your adventure, with up to 60 months to pay back. This flexibility makes your loan budget-friendly, allowing you to focus on what matters the most.
Soft credit checks
We offer loan options for borrowers of all credit backgrounds, with no impact on your credit score. The underwriting process only involves a soft credit check, allowing for instant approval decisions.
Fast funding
Even if your trip was not planned in advance, we can help you catch a last-minute flight. With 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 loans allow you to pay for a vacation in fixed installments, making them planner-friendly. No hidden fees are charged, so you will always know what to expect once your vacation ends.
What People Say About Us
Here are some stories our customers share.
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?
At 1F Cash Advance, we look beyond your FICO rating and set no minimum credit score requirements. Our personal loans can be obtained even with bad or no credit, provided that you can prove your 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.
How much can I borrow for my vacation?
At 1F Cash Advance, you can get between $500 and $10,000, depending on the loan type, your credit, and your income.
