Planning to go on a luxury vacation this new year? 4 reasons why you should opt for a holiday loan

Best travel experiences are unplanned. Many of us tend to make random travel plans with friend and family often ignoring the expenses to bear. Many times even planned travel plans are made without having sufficient money to fund the vacation. Therefore, to help individuals travel peacefully without having to worry about financial aspects, banks and NBFCs in India have started offering holiday loans. With the digital revolution, fintech companies have emerged and have now started offering instant travel loans to help individuals travel to both domestic and international destinations. Thus, holiday loans have now become one of the hot-selling loan products in the Indian financial market as well as the travel industry. People today travel for business and personal purpose by availing a bank from a personal loan lender in India. 

What is a holiday loan?

A holiday loan also known as travel loan is an unsecured personal loan that you can avail to fund your travel expenses. With this type of loan, you can travel to various domestic or international destinations for personal or business purpose. Furthermore, this type of loan can also be used to cover various travel costs like booking air tickets, train tickets, food, accommodation costs, adventure activities and others.

Below are a few reasons why availing a holiday loan is beneficial:

Low on pocket: If you are planning to go on a vacation with your friends or your kids, then you don’t have to dig into your savings to fund the travel costs. With a holiday loan, you can take care of all the expenses and can repay them monthly in the form of an EMI on a monthly basis. Online lenders in India offer low-cost EMIs that make it easy for you to repay it on time without feeling the pinch of spending all your savings in one go.

Affordable interest rates: Travel loans are offered at varied interest rates by banks, NBFCs and fintech lenders. The interest rate on personal loans is decided based on your credit score, age, income, employment status and other factors. Low-interest rate loans help you reduce the total amount that has to be paid back to the lender. You can calculate your monthly EMIs using a personal loan EMI calculator that helps you get an estimate of the total amount you will have to pay along with the interest rate amount. Lenders in India offer loans starting at EMI as low as Rs. 2500/lakh.

Ease of application: Most lenders in India now offer online services that make it easy for you to avail a travel loan instantly. With an easy application process, you can apply for a holiday loan from the comfort of your home without having to visit the lender’s office. You can submit all your details online and can also upload documents on the lender’s website or mobile application. Additionally, lenders now offer quick approval services that also help you get quick disbursal.

No collateral required: To avail a personal loan for travel purpose, you don’t have to provide any collateral to the lender. Since this type of loan is unsecured, the lender assesses your credit eligibility based on your credit score, income, employment status, company and other factors. Having a minimum credit score of 650 and a salary of Rs. 17,000 is essential to be able to get a personal loan for holiday purpose. This thus ensures that you don’t have to pledge any of your assets and can plan your travel in a stress-free manner. 

Build your credit score: Taking a loan and paying the EMIs on time can help you increase your credit score, thereby increasing your chances of securing more unsecured loans in future. Your credit score is highly influenced by your loan repayment capacity and timely repayment of EMIs helps you improve your score. 

You deserve a break: If you have been waiting to take a break since years now, then now it’s time to do so. Opting for a travel loan helps you take a break from the daily chaotic life by making it possible for you to travel places without having to worry about the funds. Whether you want to unleash the luxury traveller within you or want to go on an adventure trip, a travel loan can help you cater to your travel requirements easily and conveniently.

Conclusion

The above points show why availing a travel loan is essential to be able to travel stress-free. With a holiday loan, you no longer have to wait to take on a trip to your dream destination. Along with a travel loan, also don’t forget to insure your travel with a travel insurance plan that can come in handy to help you take care of contingencies like theft or loss of luggage, hospitalization, flight cancellation and others. 

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