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A Discover personal loan is smart vacation financing

Whether you're dreaming of a European getaway, a tropical cruise, or a trip for the whole family, a Discover vacation loan can help.

Loan Repayment Timelines
Flexible repayment timelines
You choose how quickly to pay off your vacation loan.
funds sent fast
Funds sent fast

Funds can be sent as early as the next business day after acceptance.

Change Travel Plans
30-day guarantee
Change of travel plans? Just return funds within 30 days and you'll owe nothing.
You choose how quickly to pay off your vacation loan.

Funds can be sent as early as the next business day after acceptance.

Change of travel plans? Just return funds within 30 days and you'll owe nothing.
Know your rate first—checking won't affect your credit score. Check Your Rate

Take your dream vacation with a Discover travel loan

Loan for cruises and tours
Cruises and tours

From the Caribbean cruises to European river tours, vacation cruise loans can help.

Loan for family vacation
Family vacation

Plan a trip they'll never forget—from an Orlando vacation to holiday travel to visiting family.

Loan for international travel
International travel

Vacation financing lets you see the world and make your bucket list a reality. Let's go!

Estimate the fixed monthly payments of a vacation loan

$ Choose between $2,500 and $35,000
Based on your selection of credit, we are unable to provide you with a payment example.
A minimum score of 660 is required to qualify for a Discover Personal Loan. You can read more about the importance of your credit history on our Resource Center.
Estimated monthly payment:

Estimated APR:

How did we calculate this result?
Your APR will be between 6.99% and 24.99% based up on creditworthiness at time of application.
Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates, and we do not guarantee the applicability or accuracy to your specific circumstance.

Find out if you prequalify today

See your actual rate. Checking won't affect your credit.
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Common questions about travel loans and vacation financing

A vacation loan is a personal loan used for financing travel. Because you get a fixed rate and can choose your term to determine your monthly payments, a vacation loan can be a smart way to finance a big trip or a once-in-a-lifetime experience.

Discover Personal Loans lets you customize your loan to suit your travel needs. You have the flexibility to borrow any amount from $2,500 to $35,000, and you choose your repayment term. So you can choose your repayment term based on the monthly payment amount that works for you. The longer the term, the lower your monthly payment. And if you ever want to pay ahead, go right ahead. There are no prepayment penalties.

The application process is quick and easy, and most people get a decision the same day that they apply. If approved, once you accept the terms of your loan, funds can often be sent the next business day. So whenever you're ready to pay for your trip, a vacation loan from Discover can be there to help you.

See More FAQs

Explore more resources on vacation loans, planning, and budgeting

Our Resource Center has helpful articles and tools to help as you plan your vacation.

Discover vacation loan reviews

Read All Reviews
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Still have questions?

Give us a call and speak with a dedicated U.S.-based loan specialist.

1-866-248-1255 Monday-Friday, 8am-11pm ET Saturday-Sunday, 9am-6pm ET
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Ready to check your rate?

See what your rate will be with a Discover personal loan. It’s quick, easy and won’t affect your credit score.

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Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements. Loans are unsecured. Loans are fully amortizing personal loans as long as you pay on time.

You must have a minimum household income of $25,000 to be considered for a Discover personal loan. A Discover Personal Loan cannot be used to pay for post-secondary education or to pay off a secured loan.

Your APR will be between 6.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you'll pay just $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select.

We may charge a fee if your payment is late.

ABOUT SURVEY

All figures are from an online customer survey conducted August 12 to August 27, 2019.  A total of 648 Discover personal loan debt consolidation customers were interviewed about their most recent Discover personal loan.  All results @ a 95% confidence level.  Respondents opened their personal loan between January and June 2019 for the purpose of consolidating debt. 

© 2019 Discover Bank, Member FDIC