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Holiday Loans

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Warning: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK
Credit subject to status & affordability assessment by Lenders.
Oyster Loan is a credit broker and not a lender

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Representative APR example

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57. .

What is a Holiday Loan?

It is a personal loan that a borrower may take out to cover the expenses of a holiday. This credit product may prove to be beneficial when you do not have sufficient funds for a trip. It may be used for domestic as well as abroad travelling. A borrower taking out a holiday loan must repay the amount within the agreed period to avoid any damage to their credit score.

These are unsecured loans and hence, do not require any collateral to be involved in the lending process. This loan has to be repaid within a year or less as it is a high-cost short-term credit. It enables the borrower to spread the cost of the entire trip into affordable monthly payments.

Advantages of an Online Holiday Loan in the UK

There are many benefits of availing an online holiday loan in the UK and that is the reason most of us opt for one to make a trip to our dream destination. A few of the benefits that one can have are listed below:

  • Fixed Repayments
    This helps a borrower to manage their personal finances as they get to know how much amount they have to pay towards the repayment of the loan taken. Being able to budget your monthly expenses will help you in maintaining equilibrium.
  • Spending Freedom
    The loan doesn’t limit you to spend it for any or a few particular expenses. You have the freedom to use it the way you want. You may use the money to book your air tickets, to book accommodation, or you can use the money to pay for the expenses of your food and drinks. It completely depends on you.
  • Flexible Tenure
    The maximum period of the loan is for a year. A borrower must repay the amount within a year. However, you may choose the period of repayment. You have the authority to choose a repayment tenure to spread the cost of your holiday. Remember, if you decide to pay it off in a shorter period, it will prove to be beneficial as you’ll likely to pay less amount in terms of interest.

Online Holiday Loans for Bad Credit Score

A credit score undoubtedly holds paramount importance as it helps lenders to make their decision regarding lending. Oyster Loan deals with regulated lenders who operate across the UK and don’t consider credit score to be the only factor for the approval of the loan. The lenders assess the current repayment affordability and financial abilities of a borrower before giving their final approval. They provide a soft quote for unsecured loans as soft credit checks don’t impact the credit scores.

How to Apply for an Unsecured Holiday Loan in the UK?

With Oyster Loan, it becomes convenient and easier to apply for an unsecured holiday loan in the UK. There are a few basic eligibility criteria that a borrower must meet in order to avail a short-term loan. The borrower must be 18 or above and must have a valid and functional bank account. The borrower also needs to be a citizen of the United Kingdom.

Apply for a Holiday Loan in 3 easy steps and make that trip to your dream destination:

  1. Start your application
    Fill in the application form with all the mandatory details to be accepted for a loan and then submit the form by clicking on the submit button.
  2. Get a decision
    This may take a few minutes. The lenders will run a few checks to verify the information provided by you and then their decision will be displayed on the screen.
  3. Receive funds
    Once your application has been accepted by the lender, the loan amount will be disbursed to your account by the lender. The period of loan disbursal depend on the lender and it may vary from one lender to another.

You may opt for a holiday loan online on any laptop or you can also apply from your phone.

Holiday Loan Alternatives in the UK

Most of the time, we look for alternatives that may work for our situation. If you’re looking for holiday loan alternatives, then we’ve listed down a few of the options that you may choose to go ahead with:

  • Credit cards
    A credit card is a good way to fund your dream vacation but you have to repay the whole amount that you’ve spent on your next payment date. Moreover, it doesn’t give access to cash for your expenses. If you withdraw cash using your credit card, you may have to pay an extra fee for withdrawal and if you’re vacationing abroad, you have to pay additional fees for the card usage.
  • Savings
    If you are a globetrotter, you may know how to budget and save for your next trip. However, this is not the case with most of us. We may save for a holiday but in the end, there might be a need for extra funds for a few things. Savings alone cannot help you plan a joyful vacation.

Take Out a Holiday Loan – With Oyster Loan

Oyster Loan is an FCA registered loan broker that operates across all the major cities of the UK. And it deals with FCA registered lenders – which ensures transparency and fair practices. The lenders associated with it offers a soft quote that means a soft credit check is performed by them prior to loan approval. Borrowers can avail any short-term loan or personal loan to treat their financial emergencies without damaging their credit score.

Stick to the borrowing terms to promote responsible borrowing. If you fail to repay the loan amount, it may cause severe damage to your credit score. Always borrow what you can afford to repay and provide undivided attention to budgeting as that will help you stay financially secure and stable.


WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK.

Credit subject to status & affordability assessment by Lenders.

Oyster Loans is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means we don’t charge customers a fee for using our introducer services, but we receive a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by us.

photo of Oyster Loan Oyster Loan
Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom £100-£35000
+44 203 633 1699
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