Vacation Loans for Bad Credit
Financial challenges shouldn’t keep you from making memories. Vacation loans for bad credit provide a simple way to fund your dream trip even with a less-than-perfect credit history. Apply in minutes1 and get a decision faster than you can pack your bags.
Get a decision in 3 minutes
Loan amount from $250-$3000
Apply online
No upfront fees or costs

Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Vacation Financing
Stress-Free Application
Submit one straightforward application and connect with lenders ready to review your bad credit vacation financing needs – all in about 3 minutes1. No need to visit multiple travel funding websites or face repeated rejections. Our network of lenders reviews applications around the clock, so you can apply whenever inspiration strikes.
Quick Access to Travel Funds
Once approved, you could have vacation money in your account as soon as the next business day*. We understand that limited-time travel deals and reservations won’t wait, so we connect you with lenders who prioritize speed when travel opportunities arise.
Vacation Loans for All Credit Types
Our diverse panel of lenders looks beyond credit scores when evaluating your application. Many specialize in helping travelers who’ve been turned away by traditional financing options. Through our service, you’ll discover vacation funding solutions designed specifically for people with challenging credit histories3.

How Vacation Loans Work
Personal loans for vacations provide the funds you need to cover your travel expenses, book flights, or reserve accommodations. When you apply through Yup Loans, we quickly match you with our network of lenders, who consider applicants across the credit spectrum3.
Our application process is completely digital and secure. After submitting your information through our platform, we’ll instantly connect you with direct lenders who work with less-than-perfect credit. If approved, you’ll receive loan offers with transparent terms showing interest rates, payment schedules, and total costs. You’re never obligated to accept an offer that doesn’t suit your travel budget.
Once you accept a loan offer, the money is deposited directly into your checking account as soon as the next business day*. You repay through scheduled monthly payments over the agreed loan term, making it easier to budget for your vacation costs4. Unlike travel credit cards with high interest rates and annual fees, vacation installment loans give you the flexibility to pay for your trip over time with predictable payments2.
Get a Vacation Loan in 3 Easy Steps
1
Quick Application
Fill out our simple online form in minutes1 to connect with vacation lenders.
2
Review Your Terms
Check the loan terms from our matched lender and decide if it works for your travel budget.
3
Get Funding
Once approved, money can be deposited directly into your account within the next business day*
You Can Use Vacation Loans For…
Life is short, and sometimes you need to seize travel opportunities before they disappear. Our panel includes lenders offering personal loans for vacations that can be used for virtually any travel expense, including:
- Flights and airfare
- Hotel rooms and accommodation
- Cruise bookings
- All-inclusive resort packages
- Rental cars and transportation
- Theme park tickets and attractions
- Travel insurance
- Excursions and activities
- Destination weddings
- Family reunions
- Emergency travel needs
- Study abroad expenses

Reviews

Jennifer P., Boston, MA5: “After missing family events for years because of tight budgets, I finally found a way to attend my niece’s destination wedding. Yup Loans connected me with a lender in minutes, and I had the travel funds needed the next day. The application was straightforward, and they didn’t make me feel judged about my credit history. I could be there for a once-in-a-lifetime family moment without financial stress.”

Marcus L., Denver, CO5: “Planning a surprise anniversary trip seemed impossible after unexpected medical bills tanked my credit score. Yup Loans found me a vacation loaner when traditional travel financing options rejected me. The process was transparent with no hidden terms or confusing conditions. I appreciated being treated like a person rather than just a credit score. The repayments fit perfectly into my monthly budget.”
Vacation Loans for Bad Credit FAQs
Can I get a loan for vacation with bad credit?
You can get a vacation loan even with a low credit score. Unlike traditional lenders, our network considers factors beyond just your credit score when reviewing your application. Many people who don’t have good credit, bankruptcy records, or limited credit history successfully qualify for vacation financing3. Our panel of lenders understands that your credit score doesn’t tell your complete financial story and offers travel funding options when others turn you away.
Can I use a personal loan for a vacation?
Personal loans are a flexible funding option that can be used for nearly any legitimate purpose, including financing your dream vacation. When you connect with lenders through Yup Loans, you’re getting access to unsecured personal loans that can cover all your travel expenses. These loans provide the freedom to use the funds however you need for your vacation without restrictions on specific vendors or travel services.
How long does it take to get approved for a vacation loan?
Most travel loan applications through Yup Loans receive a decision in minutes. Our streamlined process eliminates unnecessary delays, helping borrowers secure travel funds when they find the perfect getaway opportunity. If approved, you could receive your vacation money as soon as the next business day*, so you can book that family vacation without missing reservation deadlines or early booking discounts.
What are the benefits of vacation loans?
As an unsecured personal loan, there’s no need to provide collateral, protecting your assets while still accessing the funds you need. When you finance a vacation through our lending partners, you gain predictable fixed monthly payments rather than accumulating revolving credit card debt, which helps you budget while enjoying memorable experiences without the financial anxiety that often comes with major travel purchases4.
Book Your Dream Vacation Today
Don’t let credit challenges keep you from experiencing the world. Our simple application takes minutes to complete1, and you’ll get a decision faster than browsing travel websites.