Credit card
A 0% purchase credit card lets you spread the cost of your holiday interest-free over a set period. You’ll also get extra protection under Section 75 if your airline or holiday provider goes bust.
Holiday loans
Compare holiday loans for your next big getaway.
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MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident
Our best holiday loan rates
Take a look at our best personal loan rates than be used to fund a holiday.
Loan Amount | Representative APR* from | Eligibility Checker |
|---|---|---|
£1k - £1,999 | 9.9% (Zopa via John Lewis Finance ) | |
£2k - £2,999 | 9.9% (Zopa via John Lewis Finance) | |
£3k - £4,999 | 9.9% (M&S Bank) |
*Rates shown are Representative rates, which means that at least 51% of those accepted must get this rate but others can be charged more. Actual rate depends on individual financial circumstances.
Use our handy loans calculator
Use our handy personal loan calculator tool to find out how much your monthly repayments could be, and how much you can afford to borrow
Loan calculator
Find out what monthly repayments would be, how much you'll pay overall and how much you could borrow.
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Based on the information you supplied, you would be borrowing XXX and repaying the loan in XXX monthly instalments of . The total sum to repay, subject to XXX% APR over the full loan term would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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Based on the information you supplied, you could borrow XXX at a monthly repayment rate of to be paid over XXX monthly instalments. Over the full loan term at XXX% APR, the total amount repayable would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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The maximum personal loan is £50,000
If you need a larger amount, consider a secured loan, which will allow you to borrow more but uses your home as collateral. Be aware that lenders can sell your house if you fail to keep up with repayments.
Am I eligible for a holiday loan?
To be eligible for a holiday loan, you’ll need to meet some basic requirements set by most lenders. Approval will depend on your credit history, income, and overall financial situation.
While each provider has its own criteria, most will expect the following:
Be at least 18 years old
Live permanently in the UK
Have a regular income (from employment, self-employment or a pension)
Hold a UK bank account
Pass a credit check
Can I get a holiday loan 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 borrowing money. But you may find it more difficult to get a loan.
Specialist lenders offer loans to borrowers with a lower credit rating. You should expect to be offered higher interest rates and a smaller loan.
You can search for these deals with MoneySuperMarket – and comparing in this way won’t affect your credit history.
But bear in mind if you’re in financial difficulty, taking out a new loan could put you in a worse situation.
How much do people borrow for holiday loans?
The average loan amount for those looking to fund a holiday is £3000
What are the alternative ways to pay for a holiday?
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Savings
Using your savings means no interest charges and the satisfaction of paying upfront. It’s a great way to avoid debt while rewarding your financial planning.
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Travel company finance
Some travel companies offer payment plans, letting you pay a deposit and clear the balance in instalments. Always check the interest rate and any extra fees.
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Buy now, pay later (BNPL)
Services like Klarna or PayPal Credit let you delay or spread payments. Be sure to read the terms. Late payments can add fees and affect your credit score
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...
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Tell us about yourself
Answer a few quick questions about your finances and the loan you’re looking for.
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We compare lenders for you
We’ll compare loans from a wide range of lenders using a soft search that won’t affect your credit score.
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Choose the right loan
Compare loans by rate, total cost and your chances of being accepted before you apply.
Our expert says…
Taking out a loan to go on holiday might feel extravagant, but it could also be a case of looking at the bigger picture. A break and a refresh can be seen as an investment into your own health and productivity when you return. If you are going to borrow to travel though, make sure you understand the terms of the deal and that you’ll be able to afford the monthly repayments.
Kara Gammell Personal Finance & Insurance Expert
Our recommended guides
Can I get a loan to travel the world?
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.
What’s the difference between a holiday loan and loan holiday?
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 loan again.
What details do I need to apply?
To apply for a holiday loan you’ll usually need the following:
Proof of income: 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
What is an APR?
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.
Can I pay back my holiday loan early?
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 be 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.
Can I use a holiday loan to pay for a vacation within the UK?
Yes. 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!
Can I apply for a holiday loan if I’m self-employed?
Yes, many lenders accept self-employed applicants, but you may need to provide additional proof of income, such as tax returns or business accounts. Be prepared for extra checks compared to salaried employees.
What happens if I miss a holiday loan repayment?
Missing a repayment can lead to late fees, increased interest, and damage to your credit score. It’s important to contact your lender as soon as possible if you’re struggling to pay, as they may offer a payment plan or payment holiday.
Can I switch or refinance my holiday loan later?
Some lenders allow you to refinance or consolidate your loan to get better rates or longer repayment terms. Check your loan agreement for early repayment or refinancing options, and consider if switching will save you money overall.
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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.
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.
Lenders
Curious about who’s behind the loans? Take a look at each lender’s page below to learn more:
Reviewed on 22 May 2026 by
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median loan amount from enquirys made on MoneySuperMarket in April 2026 where the purpose of the loan was Holiday.
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
