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Traveling is a dream for many, but sometimes our finances can hold us back from exploring the world. That's where a FIRSTmoney travel loan can come in handy. A travel loan, sometimes also called a holiday loan, tour loan, or tourist loan, is a type of personal loan that is specifically designed to help you finance your travel plans. It is a great option for those who want to see the world without dipping into your savings.
One of the main advantages of opting for FIRSTmoney for a travel loan is flexibility. Unlike other types of loans, a FIRSTmoney smart personal loan lets you borrow how much you need from the credit line. For example, if you have an approved credit line of ₹4 lakh, and you need ₹40K to flight bookings, you can choose to only withdraw ₹40K. The remaining amount can be taken later. If, while on your trip, you suddenly need funds to shop something you like, stay in a better hotel or visit a place you didn't plan for, go ahead and withdraw another ₹1 lakh.
Once you repay the borrowed amount, the funds become available again. Also, you are charged interest only on the amount utilised from the approved line of credit. This ensures that you stay within your travel budget.
Travel loan interest rates can vary from one lender to another. FIRSTmoney by IDFC FIRST Bank offers affordable interest rates, starting at 10.99% p.a. There is no requirement for a guarantor on travel/holiday loans. The process of getting this loan is completely online and takes only a few minutes. So, apply for FIRSTmoney from the comfort of your own home and get the loan amount transferred to your account instantly!
* CIBIL Score is a 3-digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.
Required Documentation for Travel Loan
Display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
Display your physical PAN card for Video KYC (VKYC) during the online smart personal loan application.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. With a FIRSTmoney smart personal loan, you have the financial flexibility to explore various treatment options, including specialists, alternative therapies, or out-of-network providers, ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies. Here's how:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly. Use your credit limit as an when you need.
A travel loan is a type of personal loan specifically designed to cover expenses related to travel, such as airfare, accommodation, sightseeing, and other travel-related costs. These loans provide financial assistance to help individuals plan and enjoy their vacations without worrying about immediate out-of-pocket expenses. With a smart personal loans via FIRSTmoney, you can enjoy fundings up to ₹10 lakhs to cover your travel cost and repay them in easy EMIs with tenures of up to 60 months.
The eligibility criteria for a travel loan generally include:
The interest rate on an IDFC FIRST Bank travel loan varies based on the applicant’s credit profile, loan amount, and tenure. The interest rates for FIRSTmoney loans start from 10.99% per annum.
The tenure for a travel loan usually ranges from 2 months to 60 months. You can choose a repayment period that best suits your financial situation and repayment capacity.
Yes, you can take out a loan specifically for travelling. Travel loans are designed to finance your travel expenses, allowing you to plan and enjoy your trips without financial strain.
To apply for a travel loan online via FIRSTmoney:
1. Start by scanning the QR code or clicking loan from your smartphone.
2. Register using your mobile number and confirm basic/personal details to check your eligibility.
3. Select the loan amount of your choice starting from as little as ₹50,000 up to your full credit limit and choose flexible repayment terms.
4. Link your bank account where you wish the funds to be disbursed.
5. Complete the video KYC verification process with your physical PAN card.
The loan amount you can get as a travel loan depends on your income, credit score, and repayment capacity. FIRSTmoney loans range from ₹50,000 to ₹10 lakh with the flexibility to withdraw funds multiple times as when needed. The exact amount will be determined based on your financial profile and the lender's policies.