Best Vacation & Travel Loans in 2026
Compare personal loans to finance your dream vacation — fixed rates, fast funding, no collateral required.
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No credit score impact
Borrow up to $100,000
Vacation & Travel Loans
The average American vacation costs $1,500–$5,000 per person. For dream trips — European tours, cruises, destination weddings — costs can reach $10,000–$20,000+. A personal loan lets you book now and pay over time with fixed monthly payments.
Compare the best lenders for vacation loans below. Also see our detailed guide on vacation and travel loans.
Best Lenders for Vacation Loans
| Lender | APR range | Loan range | Min. credit | Funding |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 680 | Same day |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 660 | Same day |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 580 | 1 day |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 640 | 1 day |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 660 | 3 days |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 600 | 3 days |
How Vacation Loans Work
A vacation loan is simply a personal loan used for travel expenses. You borrow a lump sum, receive the funds in your bank account within 1-3 days, and repay in fixed monthly installments over 2-7 years. There are no restrictions on how you spend the money — flights, hotels, cruises, tours, and more.
What Can You Finance?
Flights and airfare. Hotels and resorts. Cruise packages. All-inclusive vacations. Destination wedding travel. Adventure tours and excursions. RV or camper rentals. International travel and tours.
Vacation Loan vs. Credit Card
Credit cards charge 20-25% APR and have no fixed payoff date. Personal loans start at 7% with a set repayment schedule. For vacations over $3,000, a personal loan almost always saves money compared to putting it on a credit card and paying it off over time.
Frequently Asked Questions
How much can I borrow for a vacation?
SoFi and LightStream offer up to $100,000. For most vacations ($3,000–$10,000), all major lenders can accommodate.
How fast can I get vacation loan funds?
SoFi and LightStream offer same-day funding. Most others fund within 1-3 days — fast enough to book travel deals.
What credit score do I need?
Upgrade accepts 580+. SoFi and LightStream prefer 660-680+. For the best rates under 10%, aim for 720+.
SoFi
- Loan range: $5,000 – $100,000
- APR: 7.99% – 29.99%
- Zero fees
SoFi offers large loans with no origination, prepayment, or late fees.
LightStream
- Loan range: $5,000 – $100,000
- APR: 7.49% – 25.49%
- Same-day funding
LightStream offers same-day funding with no fees and a Rate Beat program.
Marcus
- Loan range: $3,500 – $40,000
- APR: 6.99% – 24.99%
- No fees
Marcus offers completely fee-free loans with competitive rates.