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Personal Loan for Travel

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Get up to ₹50 Lakhs starting at 9.98%

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

What Can a Personal Loan for Travel Cover

A Personal Loan for Travel can be used to fund various travel-related expenses such as:

  • Flight or train tickets
  • Hotel bookings or resort stays
  • Sightseeing, tours, and activities
  • Travel insurance
  • Visa charges
  • Shopping, dining, and other miscellaneous expenses

Personal Loan for Travel: Interest Rates in India

The interest rates for personal loans for travel start from 9.98% p.a., while some public sector banks may offer loans at lower rates. The final interest rate depends on the applicant's credit profile and the lender's lending policies. Therefore, prospective applicants should compare personal loan interest rates offered by multiple lenders on the Paisabazaar app or website to find the best deal for financing their travel plans.

Choose the Right Personal Loan Amount

Personal Loan of ₹5 Lakh Personal Loan of ₹10 Lakh Personal Loan of ₹20 Lakh Personal Loan of ₹30 Lakh Personal Loan of ₹40 Lakh Personal Loan of ₹50 Lakh

Eligibility Criteria for Travel Loans

Here are some of the common sets of personal loan eligibility criteria used by most lenders:

  • Age: 18 – 60 years
  • Salary: At least Rs 15,000 per month for salaried customers.
  • Income: At least Rs 5 lakh p.a. for self-employed customers.
  • Credit Score: Preferably 750 and above.
  • Employment Stability: Usually 1 year with some lenders requiring longer work experience.
  • Business Continuity: Usually 3 years of business continuity with some lenders requiring a longer period of business continuity.
  • Employment Type: Salaried employees working with the government, public sector undertakings, MNCs and other reputed corporates.

How Much Can You Borrow For Your Travel Loan

The maximum loan amount offered to a travel loan applicant would primarily depend on the applicant’s repayment capacity, subject to the upper limits set by the lender. When determining the maximum eligible loan amount, some lenders use the following methods:-

  • EMI/NMI Ratio Method, wherein the total EMI obligations should not exceed a predetermined proportion, usually 50-55% of the applicant’s monthly income.
  • Multiplier Method, wherein the loan amount is determined based on a pre-set multiple, ranging from 10 to 24 times, of an applicant’s net monthly income.
  • Some lenders may use a combination of both methods to determine the maximum loan eligibility.

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Tips to Get Travel Loans at Lower Interest Rates

To avail personal loans for travel at low interest rates, follow these tips:

  • Maintain a credit score of at least 750.
  • Check for pre-approved personal/travel loan offers from banks and NBFCs.
  • Check for personal/travel loan offers from lenders where you hold deposits or have existing loans/credit cards.
  • Keep a track of interest rate concessions offered during the festive season.
  • Compare personal loan offers from multiple lenders on Paisabazaar.

Check Personal Loan Offers Based on Your Salary

Personal Loan for ₹25,000 salary Read More Personal Loan for ₹30,000 salary Read More Personal Loan for ₹50,000 salary Read More Personal Loan for ₹60,000 salary Read More Personal Loan for ₹80,000 salary Read More Personal Loan for ₹1,00,000 salary Read More

Documents Required for Your Travel Loan Application

  • Proof of Identity: Passport, voter ID, driving license, Aadhaar card or PAN card
  • Proof of Residence: Aadhaar card, voter ID, passport or utility bills
  • Proof of Income:
    • For Salaried: Salary slips, bank statements, Form 16
    • For Self-employed: Previous years’ ITR, P&L statement and balance sheet, bank statements

Personal Loan for Travel vs. Credit Card

When planning a holiday trip, you may get confused should you opt for a personal loan for travel or use your credit card?

While both options do not require collateral and offer quick access to fund, they differ in terms of repayment flexibility, loan amounts, interest rates and overall borrowing cost. For instance, the interest rates of a credit card loan are usually higher than personal loan interest rates offered by any lender to the same individual. Thus, the borrowing cost would be higher for those availing credit card loans for their travel expenses.

Feature Personal Loan for Travel Credit Card Differentiating Factor
Interest Rate Lower, usually starting from 9.98% p.a. Higher (30%–45% p.a. if not repaid in full) Travel loans have a lower cost of borrowing
Loan Amount/Credit Limit Up to Rs 50 lakh Based on the card limit (usually lower) Travel loan offers higher funds
Repayment Type Fixed EMIs Revolving credit; can carry forward balance Loans provide repayment discipline, unlike a credit card rollover
Tenure 1–5 years; some lenders offer longer tenure No fixed tenure Travel loan has a structured repayment timeline
Approval Time 24–48 hours (faster if pre-approved) Instant (if the credit card is already owned) Credit cards win in speed if already issued
Rewards & Cashback Not applicable Earn cashback, vouchers or reward points Credit cards offer extra travel perks and benefits
Best For Planned vacations, big-ticket trips Short trips, emergency bookings, quick spends Depends on the budget size and repayment capacity

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

Prospective applicants can avail personal loan for travel/holiday-related expenses at interest rates starting from 9.98% p.a. onwards, depending on their credit profile and the lender opted for. However, some public sector banks may offer lower interest rates on personal loans availed for financing travel/vacations.

You can avail Personal Loan for Travel by applying for personal loans through the official websites of banks and NBFCs or by visiting bank branches. You can also visit Paisabazaar.com to compare, choose and apply from multiple personal loan offers. 

The applicants need to submit their ID Proof (Aadhar card, PAN card, Voter ID, Passport), address proof (Aadhar card, PAN card, Voter ID, Passport, Utility bills), bank statement for the past 3 months and latest salary slips while applying for a travel loan. However, the documents required for availing travel loans may vary across lenders.

Personal loans availed for travel expenses usually start from 9.98% p.a., with some public sector banks offering lower rates. However, the final interest rate offered depends on several factors, including the lender’s credit risk policies and the applicant’s credit score, income and repayment capacity.

Travel loan applicants can use their loan proceeds to finance various expenses related to overseas holidays/travels, such as flight tickets, hotel bookings, local area tours, etc.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Easy personal loan available

Took personal loan. Good experience.

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There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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