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Compare loans for your holiday from over 40 lenders

We do the heavy lifting, so you don't have to. We work with a wide range of providers to help you borrow the money you need.

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Why compare holiday loans with MoneySuperMarket?

Comparing a personal loan for your next holiday couldn’t be easier with us. Our eligibility checker tool will show you loan deals you’re most likely to be approved for – so you can protect your credit score.

  • It’s quick and easy

    Tell us a little about yourself and the loan you need. We’ll quickly search the market to show you what’s available.

  • You can filter and compare

    We'll help you find the best deals for you. Compare rates from a wide range and see your chances of being accepted.

  • Apply online

    Found the right loan to suit your needs? Just click straight through to immediately begin your application.

What are holiday loans?

A holiday loan is a way to spread the cost of your trip – if you don’t have all the money upfront - by borrowing an unsecured personal loan. 

With an unsecured loan the interest rate is fixed so you’ll know exactly what your monthly repayments will be for the duration of the loan. You can decide how much you need and how long you want to borrow the holiday loan.


How do holiday loans work? 

Here’s what to expect when you take out a loan for a holiday:

  • Apply for the loan

    Apply for a loan that covers how much you need to borrow for your trip. Decide how long you’ll need to pay it back (the term) and compare to find the best rate (APR) for you.

  • Receive your money

    If you’re accepted for a holiday loan, the money should be in your bank within a few days, depending on the provider. Cash is usually paid direct to your current account.

  • Pay the loan back

    Usually, you’ll start to make monthly repayments straightaway to pay back your loan. Your interest rate and monthly repayments are fixed from the outset. 

How much will a holiday loan cost?

How much your holiday loan will cost you will depend on how much money you’re looking to borrow, how long you’ll need to pay it off and the interest (APR) added. 

Our loan calculator can give you an idea of how much your holiday loan will cost. You can either enter how much you can afford to pay back each month to work out what size loan you can get, or if you have a specific loan amount in mind you can see what the monthly repayments would be at different loan interest rates.

By way of example this table shows how much a £4,200 loan would cost to pay back each month over a term of one year.


Loan amount*

Monthly repayments x 12

Length of agreement

Representative APR**

Total amount payable



1 year

2.8% APR


* Average holiday loan taken out between January 2021 and December 2021 was £4,200. 
** For those with an excellent credit score

Can I get a loan for a holiday with bad credit?

Can I get a loan for a holiday with bad credit?

If you’ve struggled with debts in the past and have a low credit score it doesn’t always mean an instant ‘no’ to credit. But you may find it more difficult to get a loan. You should expect...

  • To be offered higher interest rates by loan providers

  • To be offered a smaller loan 

Specialist lenders offer loans to borrowers with a lower credit rating. You can search for these deals with MoneySuperMarket – and comparing in this way won’t affect your credit score.

But bear in mind if you’re in financial difficulty, taking out a new loan could put you in a worse situation. 


Representative 29.9% APR

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Alternative ways to pay for a holiday

Not sure if a holiday loan is the best option for you? There are alternative ways to pay for your next adventure, including:

  • Using a credit card

    0% interest credit cards can be used as an interest-free loan to pay for your holiday. An added benefit is consumer protection on credit cards if the airline or holiday company goes bust. 

  • Use your savings

    You could use your savings to pay for your getaway – not only will you avoid paying interest, it’s also a good feeling to meet a savings goal and pay for your trip outright. 

  • Contact your travel company

    Some travel companies offer finance so you may be able to pay a deposit and spread the rest of the cost over an agreed time period. Just watch out for any additional fees and the interest rate.

Compare holiday loans with MoneySuperMarket

We’ll help to find the right holiday loan for you, so you’re a step closer to those sunny skies...

  • It doesn’t take long

    Tell us a little about yourself, your finances and the loan you want

  • We’ll browse the market

    We’ll search through loans from a wide range of lenders on the market

  • Choose your loan

    You’ll be able to sort loans by the overall cost and the likelihood you’ll be accepted

You can take out a loan to cover the cost of your holiday, just like you would to cover home renovations or a wedding. If you’re looking to travel the world for an extended period of time, you may need to apply for the loan while you’re in the UK as you’ll need a permanent UK address when you apply. Lenders will ask for a proof of income, so make sure you can afford to take on a holiday loan.

Unlike a holiday loan where you’d take out a loan to fund your travels, a loan holiday or ‘payment holiday’ is a period of time where you won’t have to make any loan repayments. Usually a loan holiday will last for a month or two, and you’ll still be asked to pay interest on the missed repayments when you start paying off the again.

To apply for a holiday loan you’ll usually need the following:

  • Proof of income: To apply for a holiday loan, the lender will ask for proof that you can pay it back. Lenders might ask for evidence of your salary, such as on your pay slip or bank statement

  • Over 18: You’ll need to be over the age of 18 to apply for a holiday loan

  • Personal details: You’ll need to supply some personal details like your name and address 

  • Where you live: Your current address and address history covering the last three years

  • Your spending: Lenders may ask for details about your income and outgoings

An Annual Percentage Rate or APR is the interest rate you’ll pay on top of the money you’ve borrowed. It includes the interest rate you’ll pay, plus any other fees or charges, to give you a more accurate idea of what your loan will cost you. You’ll be told the APR of your holiday loan when you apply.

Your holiday loan will usually be an unsecured personal loan. Unsecured loans, where you do not need to put down a valuable asset as security, tend to be for smaller amounts – most commonly from around £3,000 up to £7,000. Although depending on your financial circumstances and credit score you may be able to borrow more than this, potentially up to £25,000 on an unsecured basis. Think carefully about what you can afford to borrow before you take out a loan. Our loan calculator can help give an estimate of monthly costs for different sized loans at different rates.

You should usually be able to repay a personal unsecured loan early, although typically there will be early repayment charges (ERCs) applied by the lender. 

If you think you may able to pay back your loan early check the terms and conditions of your loan deal before you sign up. It may be possible to find a loan with no or lower ERCs.

An unsecured personal loan that you use to pay for your holiday can be used for anything. Often the loan provider may ask what you want the loan funds for, such as home improvements, debt consolidation, a car or holiday. But once the loan has been approved and the funds are paid into your bank account you can use the money to pay for any holiday, anywhere in the world, including the UK!

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.