Know more about Personal Loans
8th May 2020 0:50
Do you wish to travel the world but get caught up in other expenses? Why don't you get a personal loan for travel? It's the best way to fund a holiday without waiting for months. Whether you're a mountain person or a beach person, Tata Capital's Personal Loan for Travel will make all your travel dreams come true. Avail of a simple and quick Travel Loan with Tata Capital and head off on your next adventure already!
You focus on having a great time while the loan covers all your travel expenses. From airfare to tour packages, you don't need to worry about a single thing.
To avail of a travel loan online with Tata Capital, all you need to do is produce your identity proof, salary slips, address proof, income proof, and employment certificate, and you're ready to apply!
Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.
₹ 40,000 - ₹ 35,00,000
Upto 6 years
Interest rate starting @
We want to make sure that you can start preparing for your holiday as soon as possible. Hence, taking our Travel Loan online is simple and quick. For a swift approval, keep your personal details handy including your PAN number, Aadhaar Number, CIBIL score.
Also, you must meet the following eligibility conditions to secure a personal loan for travel with Tata Capital –
Age should be between 22 to 58 years
Minimum monthly income should be ₹ 15,000
Minimum of one year of work experience
A Travel Loan can help you finance domestic and foreign trips without breaking your deposits. In fact, it makes perfect sense in the following situations:
To avoid spending a lump sum amount on a luxury vacation trip
Instead of liquidating your investments like FD or RD, you prefer taking a tourist loan for foreign vacations
You are facing a cash crunch but don't want to postpone your vacation plan with loved ones
You are confident about paying the loan EMIs on time, as you're earning well
If you have been bitten by the travel bug, you know how travel expenses can pile up quickly on vacations. So, before you borrow a personal loan for travel, make sure it covers the following travel-related costs expenses at affordable interest rates –
However, to receive approval from Tata Capital, your CIBIL score for Personal Loan should ideally fall between X and Y. If you don't know your CIBIL score and are wondering if you're eligible, don't worry. We got you covered!
In case of a Personal Loan, where the amount is approved and advanced without collateral, your CIBIL score becomes a critical eligibility criterion. Typically, a CIBIL score above the 700 mark is considered good and attracts easy approval.
When you take a vacation loan from Tata Capital, you don't have to fret about the repayment. We offer loan amounts of up to Rs. 35,00,000 for a tenure ranging from 12 months to 72 months.You can choose the EMI option you find convenient and make tour loan repayments online or offline as per your preference.
A travel loan EMI calculator helps you understand the EMI that you will pay towards the principal payments and interest payments over the loan tenure. You can pre-pay part of the loan any time after 6 months of availing a Travel Loan without any penalty or additional fee. Use the online EMI calculator to know how much money you can pay monthly over a period of time that’s comfortable for you. With the help of our personal loan for Travel EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.
Pre-payment of a travel loan involves repaying a large instalment of your loan before the due date. The pre-payment calculator allows you to assess the effect of such early loan repayments on your finances including your resultant EMI, tenor, etc.
Before you apply for a Travel Loan, make sure you consider the following things to help you plan the ideal getaway.
The first step to any successful vacation is deciding on the destination. Do you and your loved ones enjoy spending time on the beach or surrounded by the mountains? Is there a specific exotic place that has always been part of your bucket list? Once you choose where you want to go, you will be able to plan your itinerary better. This will play a vital role in applying for the Trip Loan.
Once you have narrowed in on where you want to go, begin researching everything you can about your destination. By using online resources and talking to people who may have visited the place before, find out everything you can. This includes information about tourist spots, food, local transportation, and activities that you should not miss out on. Even the smallest details can have a huge impact on your holiday.
This is a crucial step before applying for an instant Travel Loan. Based on your research, you should be able to draw up a detailed budget plan including food costs. In addition to the usual costs, also set aside a nominal amount to address any contingencies. Be prepared
While it is important to be spontaneous during your vacation, it is better if you draw up a rough schedule for your overall stay. This will help you when it comes to your stay and will make sure you don’t miss out on an experience of a lifetime.
Consider all available funds at your disposal. This plays a crucial role in determining how much money you need to apply for through the instant Travel Loan.
With just minimal documentation and absolutely no security, you can apply for a Travel Assistance Loan in an easy and secure manner. Based on your eligibility, we will instantly release the funds, so you can jet off on your ideal getaway.
Yes, you can apply for a travel loan for international vacation. And for a smooth application, make sure you fulfil the following eligibility criteria for a Tata Capital loan.
For quick approval, ensure you have personal documents such as your PAN number, Aadhar number and CIBIL score handy while applying.
Yes, there is a maximum age limit to apply for a vacation loan. The maximum age limit for a Tata Capital loan is 58 years. The applicant must also fulfil the following conditions for a smooth application process.
Apart from this, the Tata Capital loan application also requires the applicant’s personal documents, such as PAN number, Aadhar number and CIBIL score.
Yes, with a vacation loan from Tata Capital, you can finance more than just your flight tickets. You can use it to cover expenses like travel insurance, food expenses, and even tour packages. Further, these aren’t limited to domestic trips but extend to international vacation as well.
With a Tata Capital travel loan, you can enjoy your vacations without worrying about loan repayment. We offer loan amounts up to Rs 35 Lakhs with comfortable tenures ranging from 12 to 72 months. Further, with Tata Capital, you can choose the EMI option that best suits you.
You can use our loan EMI calculator to help plan your repayment schedule easily. Simply feed in the loan amount, loan duration and rate of interest. The calculator will then calculate the monthly EMI, total interest payable and total amount payable.
One of the biggest advantages of a Tata Capital loan is that you don’t need to offer any collateral. We provide unsecured loans for loan amounts of up to Rs 35 Lakhs with tenures ranging from 12 to 72 months. For a smooth application process, ensure you meet the following eligibility criteria.
With Tata Capital, you can apply for loans without the baggage of security.
At Tata Capital, a part prepayment charge of 2.5% is levied only on amounts exceeding 25% and up to 50% of the principal outstanding. Apart from this, be sure to keep the following in mind for prepayment of Tata Capital loans.
Yes, you can use a vacation loan to finance a group trip or honeymoon. With a Tata Capital loan, you can plan anything from a family trip to a long-awaited reunion. Here are the benefits of applying for a loan with us.
Quick loan approval
Further, we offer loan amounts of up to Rs 35 Lakhs with flexible tenures ranging from 12 to 72 months. This allows you to enjoy your holiday without having to worry about finances.
Yes, you can apply for a vacation loan even if you have already booked your tickets. Further, Tata Capital’s loan isn’t just limited to flight expenses and accommodation. You can use it for sightseeing purposes and other vacation activities as well.
With Tata Capital, you can get loan amounts up to Rs 35 Lakhs with tenures ranging from 12 to 72 months. Here are some other reasons for choosing us for your loan needs.
So, plan the rest of your trip with a Tata Capital loan.
Yes, you can apply for a vacation loan from Tata Capital for domestic vacation. With minimal paperwork, quick approvals, and easy repayment options, these unsecured loans cater to all your vacation needs, whether abroad or domestic.
For a smooth application process, make sure you meet the following eligibility criteria.
No, there is no specific interest rate for senior citizens applying for a vacation loan. Further, since the age limit for thesel loans is 58 years, senior citizens don’t qualify for this loan.
Yes, a Tata Capital vacation loan covers visa and vacation insurance expenses. Apart from these, you can use our loans to cover the following expenses as well.
If you change your plans after receiving this loan, you can either choose to keep the amount for your future travel plans or opt for foreclosure. In case you want to foreclose this loan, here are some points you should keep in mind.
Yes, you can get a vacation loan for a solo trip or backpacking adventure/adventure trips. With minimal paperwork, quick approvals, and easy repayment options, Tata Capital’s unsecured loans cater to all your vacation needs, whether abroad or domestic.
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