Travel and vacation loan
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2 minutes
to fill out the form
A simulation
free and without obligation
A well insured loan
With Loan Insurance, you and your loved ones are protected in the event of a hard blow: incapacity for work, disability or death.
Flexibility
You choose the repayment period at your convenience between 12 and 120 months.
Flexibility
You can benefit from a payment break twice a year in the event of temporary difficulty
No hidden costs
You only repay your monthly payments, not a penny more!
The year has been long and you feel a strong need for exoticism and a change of scenery. A trip, nothing better to cheer you up, strengthen ties with your family and spend special moments with the children.
If your budget is not compatible with your desires to escape, a vacation credit allows you to finance your excursions by repaying them little by little. Taking out a loan for a vacation is a particularly attractive innovative concept.
From now on, going on vacation is accessible to everyone. Financial organizations offer the opportunity to make a loan for this type of expense. But the vacation loan as such is more precisely a classic personal loan or a revolving loan allocated to these projects.
Faced with growing demand, it is not uncommon to see packaged offers dedicated to leisure and travel, especially with the approach of future school holidays.
A credit to finance your trip
Want to get away from it all? Consider taking time off or taking a break for a world tour. Only one trip is expensive, especially if you are not on paid vacation. Credit Internet supports you and advises you to make the trip of your dreams.
Why take out a travel and vacation loan?
Many people do not have sufficient cash to finance a travel project, a stay abroad or the vacation of their dreams. The travel loan allows them to go on vacation to the destination of their choice for a fixed or uncertain period. In high season, the total cost can rise quickly due to high demand, especially in winter and during summer vacation.
This type of financing consists of paying all or only part of the family's project, while respecting their vacation budget. It can therefore also finance transport (plane, train, gasoline, etc.), rental, activities and suitable equipment for skiing, for example. Travel credit also allows a family not to touch their personal savings to finance their vacations and to avoid delaying departure for financial reasons.
Obtaining a travel and vacation loan - how it works
The loan application can be made with a bank or a banking intermediary. This one can put in competition several lending organizations in order to propose the best offer at the best rate to its customer to finance its holidays. All the information provided in advance by the applicant will allow the bank to establish its eligibility by studying the borrower's profile and in particular his financial situation and any outstanding loans he has previously subscribed to.
The establishment will take into account many elements to establish the feasibility of the financing: the repayment capacity of the household, its debt ratio, its remainder to live and the amount of its constant income. Certain terms and conditions change depending on the establishments a household turns to for a travel loan.
Can the travel loan be the subject of a credit repurchase?
Consumer loans can be partially or fully repaid early. This means that the borrower, according to the clauses written in his loan contract, can repay part or all of the outstanding capital of his loan before the maturity of the financing. This financial transaction frequently induces fees called prepayment penalties. However, the amount of these costs may not exceed 3% of the total amount to be reimbursed according to the legislation in force.
In addition, the holiday credit can be the subject of a repurchase of credits since it is possible to repay it before its term. The operation consists in bringing together the financing being repaid in order to have only one loan contract and a single reduced monthly payment. It is also possible, through a banking intermediary, to consolidate your loans (consumption and real estate) by adding an additional sum to finance your vacation.
Credit Internet offers simple and fast credit, you can make your request without obligation on the site and a first response in principle is given to you immediately. Then, upon receipt of your credit report, a final response is sent within 24 hours.
The advantages of the travel loan
A travel loan offer will help you make your project a reality. The credit you choose depends on the budget you are looking for. Do an online simulation to choose the combination of the amount and the duration that suits you and that best suits your project, for a loan with complete peace of mind.
In a few minutes, you get an initial answer in principle and a financing plan for your stay. No need to justify your need for cash, the vacation loan remains a free loan.
You carry out your entire request on the Internet, without having to send your documents by mail, most of the time you just have to download everything. And in the event that you do not know exactly how much you need and which monthly payments would best suit your budget, you have the opportunity to study your project with an online advisor.
Thanks to his expertise, you will be able to define with him a holiday loan truly adapted to your situation. After validation of your file, you can devote yourself to the preparations for the trip and have in your possession the necessary money to make your dream come true. You will finally be able to offer yourself the moments of relaxation that you have been waiting for, while taking great care of your budget.
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Some useful information on the travel and vacation loan
Since the entry into force of the Lagarde law in May 2011, it is in theory possible to apply for a classic personal loan from 1000 euros with a fixed annual percentage rate of between 1.90% and 7.5% depending on of the repayment term.
The rates being more interesting on this type of credit, it is recommended to favor this option. You can opt for a revolving credit which can be offered to you for an amount less than 1000 euros, but the rate is higher. Several types of organizations can grant vacation credit.
Banks have the option of offering personal credit without justification of expenditure or permanently revolving credit. Ask about credit rates, because an authorized overdraft negotiated with your bank can sometimes be more advantageous than a credit for the settlement of small amounts.
Financial organizations directly offer consumer loans. They reserve the right to grant or not a loan to a borrower after having ascertained his solvency, within seven days after the signature of the prior credit offer.
Some tour operators subcontract with a renowned banking establishment or specialized organization. Some well-known travel establishments have even created special holiday cards that often give you a completely free deferral of up to about a month.
In addition, other travel agencies have their own credit system such as a deposit and balance payable on return from vacation in several monthly installments, or a reserve purchase similar to revolving credit. When buying on credit, the lender can offer you insurance that will replace you if you can no longer repay in the event of unemployment, disability or death.