Traval loan
Finance your travel dreams with a travel loan. Simulate your project and get an immediate preliminary decision.
Our personal loan offer
For a personal loan of €14,000, with a term of 48 months and the first payment due in one month, at a fixed Annual Percentage Rate (APR) of 2.50%, you will repay 48 monthly installments of €303.73, for a total amount due of €14,579.12.
The cost of optional insurance, calculated based on coverage for Death, Total and Irreversible Loss of Autonomy, and Disability for a single borrower, is €2.07 per month and is added to the loan repayment installment (if you have opted for it).
The total amount due by the borrower for insurance over the entire loan term will be €24.84, for an Annual Percentage Rate of Charge (APRC) of 1.57%.
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Loan
Finance your dream vacation
Whether you want to explore exotic destinations or discover hidden gems, we’ll help you make your summer plans a reality.
With our Cash Loan, you can finance up to 100% of your vacation cost.
Your dream trip is just a click away! Simulate your financing now.
Finance your project at your own pace
Discover our installment payment options, credit options, mini-loans and bank cards
Simplicity above all
- 100% online
- Repayment speed according to your preferences.
No need to open an account to get a bank card!
Our priority? Speed
- Fast transfers
- immediate response in principle
- Your mini loan in 24 hours
When you need money, you need it right away!
Being smart pays off!
- Cashback on your everyday purchases
- Attractive rates on all our offers.
Doing your shopping and filling your piggy bank at the same time, how nice!
Personalize your trips according to your passions.
Whether you dream of exploring the filming locations of your favorite series (st-jetting*), escaping for a weekend (nanocations**), or fleeing the heat for a cool vacation (coolcations***), every trip becomes a unique experience.
From the glaciers of Iceland to the pyramids of Egypt, and the excitement of the World Cup in the United States, top destinations are waiting for you.
Choose your destination based on your preferences, budget, and the experiences you want to have to guarantee an unforgettable vacation.
Get your online loan in just 3 simple steps!
Our mission is to simplify your online loan application. As an expert consumer credit broker, fully digital and 100% secure, Mscredit makes the process easy.
Submit your request
Fill out the form in less than 8 minutes, either on our website or in store.
Final answer
You will receive a final answer from us within 48 hours.
Get your loan
You will receive the funds within 8 to 14 days, depending on your choice.
At Dineo, we've already helped over 1,200,000 customers.
Want to get your first loan now?
Borrow up to €3 000 and repay it in 30 days.
Find the best rate for your travel loan.
MsCredit travel loans are offered at a fixed interest rate, meaning you’ll benefit from consistent monthly payments throughout the loan term.
From the moment you sign the contract, you’ll know exactly how much you’ll have to repay each month. This stability allows you to manage your loan with peace of mind, without any unpleasant surprises!
Advantages of quick loans
Receive up to €1,500 in your account in less than 24 hours.
Your first loan of €250 to €300 is free and at 0% APR.
Security
We use the most advanced data encryption tools to guarantee your privacy.
Transparency
Know from the start the exact amount you will have to pay.
Flexibility
Delay repayment of your quick loan, increase the amount requested.
Trust
the confidence of belonging to the leading financial group
What our customers say about us
Your story is our reason for being. Genuine testimonials of success and progress from our clients
Rebecca Pepi
Thanks to MsCredit, we were able to resolve our financial problem quickly and easily. Their friendly and professional service fully satisfied us.
Maria Willmer
I have nothing to reproach them for... on numerous occasions, they have helped me overcome many problems...
Loan
Personal Loan Insurance Protects You
Unexpected events can happen to anyone. So consider insuring your personal loan.
By insuring your personal loan, you protect yourself in case of unforeseen events (job loss, death, total or irreversible loss of autonomy).
Have a Project in Mind?
Access the best offers tailored to your situation via our loan simulator.
What is a travel loan?
A travel loan is a type of consumer credit granted by a financial institution in the form of a personal loan or a revolving line of credit, for example. You can obtain a travel loan by submitting an application and providing the necessary documents for review.
If your application is approved, you will benefit from a loan offer that allows you to finance your travel plans.
Why take out a travel loan?
Taking out a travel loan allows you to finance your projects without having to spend all your savings at once. Our travel loan offer includes various options that can meet your financial needs.
By choosing this financing solution, you address the need for quick and immediate funding. Indeed, one of the advantages of a travel loan is that you can apply for your loan in just a few clicks and receive your funds quickly, if approved. Also note that you have a legal 14-day cooling-off period.
Finally, in addition to benefiting from a flexible loan, you have access to an advisor throughout the duration of your contract.
What can you finance with a travel loan?
A travel loan can help you finance various projects, ranging from purchasing a plane or train ticket, renting a car, booking a hotel room, or even financing an entire honeymoon or trip to a faraway country, among other things.
What are the different types of personal loans?
For your travel or leisure loan, you have several options. The choice will depend on the amount you want to borrow and the repayment period, among other things:
Personal Loan
Whether granted by a bank or a credit institution, the Cofidis personal loan is characterized by its flexibility and the freedom it offers. This type of loan provides you with a sum of money that you can use as you wish, particularly for travel, for example. This loan is not tied to a specific expense (such as the purchase of a trip), so you don’t have to justify your spending.
The term and interest rate of the personal loan are freely set by the financial institution. The same applies to the amount of money granted. However, these are capped at €35,000 at MsCredit. Regarding the loan term, it generally cannot exceed 84 months, or 7 years, when you take out a loan with MsCredit.
The earmarked loan
This type of loan is usually taken out directly with a travel agency: tour operator, airline ticket purchase, hotel booking website, among others. As the name suggests, this loan is linked to the purchase of a specific service and the amount borrowed. It cannot therefore be used for anything else. It’s also important to know that, with this type of travel loan, the funds are not deposited into your account, but rather paid directly to the seller of the service you purchased.
The revolving credit facility
To apply for a travel loan, you can also opt for a revolving credit facility or Accessio. This consumer loan with a variable interest rate allows you to borrow up to €6,000 over a maximum repayment period of 5 years. With this type of loan, the lending institution provides you with a sum of money that you are free to use in whole or in part. You draw down the funds as needed (up to the amount borrowed), particularly if you need to make purchases for your trip. You replenish the capital by making regular repayments.
How does a travel loan work?
A travel loan is a personal loan specifically designed to finance your vacations and trips, based on your borrowing capacity. It allows you to cover the costs associated with your travel, such as airfare, accommodation, leisure activities, and other expenses related to your trip. This type of loan is tailored to your financial situation and the specifics of your travel plans.
Repayment terms
The repayment terms for a travel loan are determined based on your financial capacity and the loan term. MsCredit offers flexible solutions that adapt to your financial situation. Monthly payments are calculated to be compatible with your budget.
Should you take out loan insurance?
While loan insurance isn’t mandatory for your travel loan, it can still provide peace of mind. It offers protection in case of work stoppage, total and irreversible loss of autonomy (PTIA), death, and job loss if you choose this option.At MsCredit, your debt can be repaid in full in the event of death or PTIA.
Regarding its cost, it is expressed as a percentage, allowing you to understand what it covers. It’s a way to measure the total cost of your insurance relative to your loan. This is called the APR, which is essentially the loan insurance rate.
How to get a travel loan?
To get a travel loan, you need to go through several steps, such as creating your application and submitting your supporting documents.
Steps to apply for your loan
Start by running an online simulation to choose your monthly payments, the amount you wish to borrow, and the repayment period. Then, apply for your loan agreement, which is free and without obligation, and create your loan application.
Once your application is submitted and your loan application is accepted, you will receive an immediate preliminary response, followed by a final response within 8 business days. If this final response is positive, you will receive the funds in your account within a few days, within the legal timeframe.
Required documents
The supporting documents required for a travel loan depend on the type of loan you wish to apply for. Generally, you will be asked for:
- A copy of your identity document (passport, driver’s license, identity card),
- A copy of your last three payslips,
- Proof of address dated less than three months ago,
- A bank statement (RIB).
Our mission
The fintech expert in 100% digital neo-brokerage
We developed our company following an observation: the consumer credit market lacks clarity, the procedures are lengthy, and consumers get lost in a flood of unsuitable and discouraging offers!
Frequently Asked Questions
Taking out a travel loan is an important decision. That’s why it’s crucial to take the time to compare and analyze the different offers available to find the one that best suits your needs.
For your own benefit, consider running online loan simulations, comparing the APR (Annual Percentage Rate), and assessing your repayment capacity. This way, you can find the best travel loan for you.
A travel loan can cover all the costs of your trip: transportation tickets, accommodation, meals, leisure activities, and even unexpected expenses.
Similarly, you can use it to finance your honeymoon, or take out a wedding loan.
The processing time for a travel loan is generally short. Once your application is approved and the paperwork is completed, the funds will be made available to you within the legally required timeframe.
It is recommended that you apply for your loan in advance to ensure everything is in place before your departure.
A travel loan is an unsecured loan, so you don’t need to provide proof of purchase. However, as with any loan application, you will need to provide proof of income, identity, and address to demonstrate your creditworthiness.
Finance your project at your own pace
Discover our installment payment options, credit options, mini-loans and bank cards
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Consumer credit is a specific type of credit.
Consider reading our guides and news articles that discuss financing options for consumer products.