{"id":6789,"date":"2023-01-26T15:26:23","date_gmt":"2023-01-26T14:26:23","guid":{"rendered":"https:\/\/flug-check-in.de\/holidays-on-credit\/"},"modified":"2023-06-23T14:23:02","modified_gmt":"2023-06-23T12:23:02","slug":"holidays-on-credit","status":"publish","type":"post","link":"https:\/\/flug-check-in.de\/en\/holidays-on-credit\/","title":{"rendered":"Holidays on credit"},"content":{"rendered":"\n

Taking out a loan for a holiday? Should you do that?<\/strong><\/p>\n\n

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Financing expert Nathan Behrendt from finanz-land.de <\/figcaption><\/figure>\n<\/div>\n\n\n\n
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“You can do it. More and more Germans are also taking out a loan for a holiday trip. But you should think carefully about what form it takes,” says Nathan Behrendt from finanz-land.de<\/a><\/strong><\/p>\n\n\n\n

In principle, there is nothing wrong with a holiday on credit <\/a>. The long-awaited trip around the world, the spontaneous city trip or the family holiday together<\/strong> is very important for many people.<\/p>\n<\/div>\n<\/div>\n\n

If you don’t have the necessary change on your side, a holiday can also be financed by a loan.<\/p>\n\n

“It is important that you choose the appropriate form of financing <\/strong>and also correctly estimate the necessary loan amount,” Nathan Behrendt continues.<\/p>\n\n

The following forms of credit are suitable for financing a holiday in Germany: consumer loans<\/strong>, mini loans <\/strong>or interim financing via a credit card<\/strong>.<\/p>\n\n

Forms of credit for holiday loans<\/h2>\n\n
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\"Holiday<\/figure>\n<\/div>\n\n\n\n
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Consumer credit<\/h4>\n\n\n\n

A consumer loan <\/a>without a specific purpose is granted in Germany between 1,000 – 100,000 EUR<\/strong> .<\/p>\n\n\n\n

In order to get such a loan, you need a sufficient credit rating and an income that is sufficient to service your existing expenses and the additional loan installment.<\/p>\n<\/div>\n\n\n\n

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Suitable for:<\/h5>\n\n\n\n

– Higher amounts (usually 1,000 – 100,000 EUR) – Financing with longer maturities (1-10 years)<\/p>\n\n\n\n

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To the finanz-land.de credit comparison<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n
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\"Mini<\/figure>\n<\/div>\n\n\n\n
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Mini loans<\/h4>\n\n\n\n

Basically, a mini loan is nothing more than a consumer loan <\/a>. However, a mini loan has a lower loan amount between 100 – 1,500 EUR and a shorter term (a few weeks or months).<\/p>\n\n\n\n

Not many providers offer a loan of this amount. That’s why finanz-land.de has compiled a list of different mini loan providers<\/a> .<\/p>\n<\/div>\n\n\n\n

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Suitable for:<\/h5>\n\n\n\n

– Smaller amounts (usually 100 – 1,500 EUR) – Financing with medium maturities (a few weeks to months)<\/p>\n\n\n\n

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See mini loan providers<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n
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\"\"<\/figure>\n<\/div>\n\n\n\n
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Credit card<\/h4>\n\n\n\n

Financing a holiday through a credit card is very popular. Often, this is not even perceived as a possible “form of financing<\/strong>“.<\/p>\n\n\n\n

In this case, the credit card company will pay you in advance. Some credit card companies give you the option of paying the amount borrowed interest-free within a period of 51 days <\/strong>.<\/p>\n\n\n\n

An example of this is the TF Bank credit card<\/a>, which includes free travel insurance <\/strong>.<\/p>\n\n\n\n

Important<\/strong>: If you do not pay the outstanding amount of a credit card within the specified interest-free repayment period, there is a risk of high interest rates<\/strong>.<\/p>\n<\/div>\n\n\n\n

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Suitable for:<\/h5>\n\n\n\n

– Smaller amounts – Very short terms (if, for example, you have to bridge the time until a special payment)<\/p>\n\n\n\n

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Apply for a credit card<\/a><\/div>\n<\/div>\n\n\n\n

In this blog post<\/a>, we have summarized which credit cards are worthwhile for a holiday trip.<\/p>\n<\/div>\n<\/div>\n\n

The loan amount<\/h2>\n\n

How much should the holiday on credit really cost?<\/strong><\/p>\n\n

Going into debt for a holiday in the long term must be a conscious decision. Especially when it comes to the amount you take out the loan.<\/p>\n\n

Basically, the following applies: “If you are already taking out a loan, then it is better to include a safety buffer <\/strong>. Nobody likes to fly to a beautiful holiday destination and then can’t do anything on site due to a lack of financial resources.”<\/p>\n\n

It is important to:<\/strong> The repayment rate must be affordable<\/strong>. It doesn’t do you any good if you have a great holiday, but then can’t repay your loan installments. Every loan is noted in a credit agency such as the credit bureau – even if you are late with your repayment installments.<\/p>\n\n

This also means that you may find it more difficult to obtain<\/strong> a future loan or mortgage due to the entry.<\/p>\n\n

Term of a holiday loan<\/h2>\n\n

Since loans for holidays are usually supposedly smaller loan amounts, the repayment period – if you want and can – is rather short.<\/p>\n\n

In the case of consumer loans, banks usually offer a repayment period of 1-10 years. The term of mini loans is only a few weeks or months.<\/p>\n","protected":false},"excerpt":{"rendered":"

Taking out a loan for a holiday? Should you do that? “You can do it. More and more Germans are also taking out a loan for a holiday trip. But you should think carefully about what form it takes,” says Nathan Behrendt from finanz-land.de In principle, there is nothing wrong […]<\/p>\n","protected":false},"author":6,"featured_media":6361,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[110,1],"tags":[],"class_list":["post-6789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-holiday","category-travel"],"yoast_head":"\nVacation on credit? - Here's how to do it & these loans are available |2026| at<\/title>\n<meta name=\"description\" content=\"Is it a good idea to finance a vacation with a loan? 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