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Personal Loan for Travel

A personal loan for travel can be used for flights, hotels, sightseeing, visa fees & more. Apply for personal loans of up to ₹50 lakh on Paisabazaar, with interest rates starting from just 9.98% p.a. Compare offers & apply online in minutes.

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

Check Personal Loan Offers in Your City

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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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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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