What can I use a travel loan for?

Flights, trains, hotels, tour packages, visa fees, travel insurance, local transport, sightseeing and other trip costs, in India or abroad. The money is paid into your bank account, so you choose how to spend it.

How much can I borrow, and for how long?

Travel loans range from ₹20,000 to ₹10 lakh, repaid over 6 to 36 months.

What is the interest rate on a travel loan?

The interest rate is 10.5% to 24% per annum, charged on the reducing balance. Your exact rate is shown in the Key Fact Statement before you accept.

Who is eligible for a travel loan?

Salaried Indian citizens aged 21 to 60 years with a monthly income of at least ₹15,000, at least 6 months in their current job and a CIBIL score of 650 or more.

What documents do I need?

PAN card, Aadhaar card, address proof, a recent photograph, bank statements for the last 6 months and salary slips for the last 3 months.

How soon should I apply before my trip?

Apply at least 2 to 3 weeks before you travel. You get a decision within 24 hours and the money within 48 hours of approval, which leaves time for bookings and visas.

Can I use a travel loan for international travel?

Yes. You can use it for international flights, hotels, visa fees, travel insurance, foreign currency and tour packages. There is no restriction on the destination.

What fees and charges apply?

The processing fee is up to 5.1% of the loan amount plus GST. All other charges are in the table above and on our interest rates and charges page.

How much will a ₹1,00,000 travel loan for 12 months cost?

For example, a loan of ₹1,00,000 for 12 months at 24% per annum has an EMI of ₹9,456. With a processing fee of ₹5,100 plus ₹918 GST, the total cost of the loan is ₹19,490 and the APR is 36.3%. This uses the highest rate and fee in our range, so most borrowers pay less.

Travel Loan Online: Eligibility & Charges

Travel Loan Features

Make your travel dreams come true with our flexible financing options

Loan Amount

Get travel loans from ₹20,000 to ₹10 lakh to cover all your travel expenses

Clear Interest Rates

Our interest rates range from 10.5% to 24% per annum on the reducing balance, based on your credit profile.

Flexible Tenure

Choose repayment periods from 6 to 36 months as per your convenience

Quick Approval

Get a loan decision within 24 hours and funds disbursed within 48 hours of approval

No Collateral

Unsecured loans without any security or guarantor requirements

Minimal Documentation

Simple application process with basic KYC and income documents

Travel Loans for Every Journey

Finance different types of travel experiences with customized loan solutions

International Travel

Explore foreign destinations with loans covering flights, accommodation, visas, and expenses.

Coverage for flight tickets
Hotel and accommodation
Visa and travel insurance

Domestic Getaways

Plan your perfect Indian vacation covering hill stations, beaches, and cultural destinations.

Flight/train/bus tickets
Hotel and resort bookings
Sightseeing and activities

Adventure Travel

Fund your adrenaline-filled adventures from trekking to scuba diving and more.

Adventure activity packages
Specialized equipment rental
Adventure travel insurance

Pilgrimage Tours

Finance your spiritual journeys to religious sites across India and abroad.

Religious tour packages
Donations and offerings
Special pilgrimage services

Honeymoon Packages

Create unforgettable memories with specially designed honeymoon loan options.

Romantic getaway packages
Luxury accommodation
Special experiences and dining

Family Vacations

Plan memorable family trips with loans covering expenses for all family members.

Family-friendly packages
Multiple traveler coverage
Child-friendly activities

Why Choose Travel Loans?

Travel loans make your dream vacations affordable without compromising on experiences

Travel When You Want

Don't postpone your travel plans due to financial constraints. Travel at the perfect time with our flexible loan options.

Budget Management

Spread your travel expenses over manageable EMIs instead of paying a large amount upfront.

Better Experiences

Upgrade your travel experiences with better accommodations, activities, and dining options.

No Credit Card Needed

Access travel financing even if you don't have a credit card or sufficient credit limit.

Application Process

1

Online Application

Fill our simple online form with basic personal, income, and travel details

2

Document Submission

Upload required KYC and income documents through our secure portal

3

Verification & Approval

Our team verifies details and approves your application within 24 hours

4

Loan Disbursement

Funds transferred directly to your bank account within 48 hours of approval

Travel Tip

Apply for your travel loan at least 2-3 weeks before your planned travel date to ensure timely disbursement.

Eligibility & Documentation

Simple eligibility criteria and minimal documentation for quick travel loan approval. More answers on travel loan eligibility in our FAQ.

Eligibility Criteria

Age Requirement

21 to 60 years at the time of application

Income Criteria

Minimum monthly income of ₹15,000 for salaried individuals

Employment Status

Salaried individuals with at least 6 months in current organization

Credit Score

Minimum CIBIL score of 650 for preferred interest rates

Residency

Indian citizen with valid address proof

Bank Account

Active savings or current account with a bank in India

Documents Required

Identity & Address Proof

PAN Card

Aadhaar Card

Address Proof (Passport/Driving License)

Recent Photograph

Income & Employment Proof

Bank Statements (last 6 months)

Salary Slips (last 3 months)

Employment ID Card

Fees & Charges

Every fee and charge for a ClickMyLoan travel loan. Check your EMI with our EMI calculator, or see all interest rates and charges.

Fee Type	Charges
Interest rate	10.5% to 24% per annum (reducing balance), based on your credit profile
Processing fee	Up to 5.1% of the loan amount + GST, deducted from the amount disbursed
Foreclosure charges	Up to 4% of principal outstanding + GST
Part-prepayment charges	Up to 4% of principal prepaid + GST
EMI bounce charge	₹500 or 4% of the overdue principal, whichever is lower
Penal charges (2 to 180 days)	36% per annum on principal overdue
Credit Information Report fee	₹50 + GST (only if you ask for it)
Stamp duty	As per actuals, based on the state of disbursal
Maintenance & procurement cost	May apply, based on the place of disbursal

All amounts are rounded to the nearest rupee. Exact charges are disclosed in your Key Fact Statement (KFS) before you sign.

Worked Example: What This Loan Costs

Item	Amount
Loan amount	₹1,00,000
Tenure	12 months
Interest rate	24% per annum (reducing balance)
Monthly EMI	₹9,456
Processing fee (5.1%) + GST	₹5,100 + ₹918
Amount paid into your account	₹93,982
Total interest	₹13,472
Total amount you repay	₹1,13,472
Total cost of the loan (interest + fee + GST)	₹19,490
Annual Percentage Rate (APR)	36.3%

Illustrative example using the highest interest rate and processing fee in our range. Your actual rate, fees, EMI and APR are shown in your Key Fact Statement (KFS) before you sign. Work out your own EMI with our EMI calculator.

Ready to Travel?

Start your travel loan application in just a few minutes

Application Checklist

Mobile Number

Email Address

Personal Details

PAN Card

Employment Details

Address Proof

Photograph

Bank Account Details

Start Application

By applying, you agree to our Terms & Conditions

Fast Processing

Complete applications with all documents typically get a decision within 24 hours.

Travel Loan FAQs

Answers to common questions about ClickMyLoan travel loans. More answers in our full FAQ.

Don't Let Budget Stop Your Adventures

Apply for a Travel Loan with ClickMyLoan and explore the world on easy EMIs

Apply Now

5L+

Happy Customers

₹500Cr+

Loans Disbursed

24 Hrs

Loan Decision

100%

Digital Process

Travel Loan: Travel Now, Pay Later