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Finance Your Dream Vacation With A Travel Loan.

Take out a $10K-$500K low fixed-rate personal loan and take the trip of a lifetime. You could save thousands of dollars compared to high-interest credit cards with rates ranging from 6.99% APR to 23.43% APR (with all discounts).

Our vacation loans
travel well.

Fast Funds

You could receive funds the same day your loan is approved*—and catch the next flight out.

No Prepayment or Late Fees

When you take out a personal travel loan with the help of NOI Capital, you pay no pre-payment, or late fees.

Save Money

With a NOI Capital personal travel loan, there’s no compounding interest, and you could even score a lower rate than your high-interest credit cards.

Planner Friendly

Receive your funds all at once, making planning and budgeting as breezy as a Mai Tai on the beach. Plus, fixed monthly payments mean no surprises.

Applying for a vacation loan is as
easy as 1-2-3.

We’ve made it quick and simple to apply for a personal travel loan—we’re talking a matter of 60 seconds. Just follow the steps below to get started.

View your rate.

It only takes a minute to explore your options, and it won’t affect your credit score.†

Select your terms.

Find the term and monthly payment that work best for you—and see just how much you can save with NOI Capital.

Finish your application

Complete your loan documents and enjoy same-day funding* wired directly to your account.

How Can You Use A
Travel Loan?


Personal travel loans are a great way to finance family vacations. With low fixed interest rates and monthly payments, you’ll know exactly how much you owe and when your loan will be paid in full.

International Travel Expenses

The average cost of a 12-day international vacation is $3,800 per person.* Avoid the accumulation of high-interest credit card debt. Our personal travel loans range from $10K-$500K, offering fixed interest rates, steady monthly payments, and no prepayment or late fees.


Personal travel loans are an excellent way to pay for cruise vacations. Booking your cruise early could lead to a deep discount, saving you big money on your trip. Booking in advance can also mean special pricing on beverage packages, restaurant upgrades, and shore excursions.​

Travel Planning Tips And
Financial Resources

How Families Can Afford to Travel on Vacation

Guide to Saving Money on Hotels for Your Next Vacation

Credit Card Miles vs. Cash Back


A vacation loan is a type of personal loan you can use to pay for travel expenses. So, what’s a personal loan then? A personal loan is just as the name implies—a loan you take out for almost any personal reason at all. You can use a personal loan to pay for a home renovation, consolidate high-interest credit card debt, or pay for a vacation or wedding. Offered by many banks, credit unions, and online lenders, personal loans typically range from $10K-$500K and offer fixed rates that allow you to make steady monthly payments over the life of the loan.

Travel loans can be a good option for those who have budgeted to pay for their vacation expenses but don’t have the cash on hand to cover immediate deposits. If you have a solid plan for paying back your personal loan and just need some quick cash to bridge the gap, a personal travel loan may be right for you. Personal travel loans provide an alternative to high-interest credit cards, and since personal loans are unsecured, you’re not using your home as collateral or putting your equity at risk. Fixed interest rates and steady monthly payments mean there are no surprises—you’ll know exactly how much you owe and when your loan will be paid in full.

The minimum amount you can borrow with a personal travel loan from NOI Capital is $10,000, and the maximum is $500,000.

NOI Capital aims to revolutionize financial services and make the system more accessible to everyone. Today, we offer significant savings and flexibility to U.S. citizens and permanent residents who reside in the U.S. and are employed or have a sufficient income from other sources, with a responsible financial history and a strong monthly cash flow.

Ready to book your next trip?

Time is money. View travel loan rates in 60 seconds.

(without impacting your credit score)†