What is a Vacation Loan?

A vacation loan is a personal loan that you can use for traveling. You repay the loan in installments over time.1

Before you get the loan, you’ll know exactly how much you’ll need to pay each month, and for how many months. 

If you’re approved for terms you like, then you can sign your loan documents and your vacation awaits! Time to book the hotel and start your daydreaming.

Your interest rate and eligibility depend on several factors, including available collateral, loan amount, and credit score.

How Do You Get a Vacation Loan?

Prequalifying for a vacation loan is simple.

  • Fill out a pre-qualification request (this won't affect your credit score) or visit your local branch.

Verify your information during the loan application process. Make sure everything is accurate!


Sign loan documents and get your money. If approved, you will receive your funds the same day in the form of a paper check. 2

Get Pre-Qualified

 Why Get a Vacation Loan from Republic Finance?


Simply fill out an online pre-qualification form and we’ll be in touch shortly!


Got a moment? You can pre-quailfy in minutes with no impact on your credit score.


Our customers love us. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year.

What Are the Benefits of a Vacation Loan?

Everyone deserves a nice getaway but saving can be difficult. A vacation loan allows you to finance your trip without having to pinch pennies for months and months.

If you qualify, a vacation loan can give you a more predictable payment schedule than a credit card. Vacation loans are transparent and predictable, and you’ll know clearly upfront how much you have to pay per month and for how long you’ll have to repay it.

Also, you will receive your loan funds all at once to use however you like for your travels.

Vacation Loans for Your Level of Credit

The terms of your loan will depend on several factors, including available collateral, employment, and credit. We work hard to find a loan to fit every circumstance.

If you’re unsure if you qualify, visit our Pre-Qualification Page. It won’t affect your credit and you’ll know within minutes if you pre-qualify for a vacation loan.

Vacation Loans Near You

Our local branches offer a full range of personal loan services. Meet face-to-face with a friendly service representative, get your best rates and consult our loan experts regarding your financial needs.

Looking For a Republic Finance Branch Near You?

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1. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. This example is based on an average customer with good credit. APRs will not exceed 35.99%. Loan terms (e.g., rates, origination fees and max. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. Not all consumers will qualify. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. Secured loan applications and closings must be completed with a branch employee, and not on our website. Secured loans will have collateral and insurance requirements. The purchase of any required insurance from Republic Finance is optional. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. Current customers: some current customers may not be eligible for a loan refinance. All refinance applications and closings must be completed with a branch employee, and not on our website.

2. If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day in the form of a paper check.

3. Not all consumers are eligible to apply online.