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A vacation loan is a personal loan used to finance travel expenses including flights, hotels, tours, and other trip costs. Using a personal loan instead of a credit card can save you money on interest and give you a fixed payoff timeline.
Compare vacation loan options from top lenders below.
These lenders offer personal loans that work well for financing vacations and travel.
| Lender | APR range | Loan amounts | Loan terms |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 24 to 84 months |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 24 to 84 months |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 36 to 60 months |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 36 to 72 months |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 24 to 60 months |
| LendingPoint | 7.99% – 35.99% | $2,000 – $36,500 | 24 to 72 months |
A personal loan can be a smart choice if the fixed rate is lower than your credit card’s APR and you want a structured payoff plan. However, only borrow what you can comfortably repay.
Most lenders offer personal loans starting at $1,000–$5,000, which covers most vacation budgets. Borrow only what you need to minimize interest costs.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
LightStream, a division of Truist Bank, offers loans up to $100,000 with no fees whatsoever. Same-day funding is available, and they offer a Rate Beat program where they’ll beat any qualifying rate by 0.10%.
Marcus charges no fees — no origination fees, no prepayment penalties, and no late fees. Backed by Goldman Sachs, Marcus offers competitive rates and flexible payment terms from 36 to 72 months.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.
Prosper is a peer-to-peer lending marketplace connecting borrowers with individual investors. Offers loans from $2,000 to $50,000 with terms of 24 to 60 months.
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