Finance Your Next Vacation with Accredit
From flights to hotel stays, transport, insurance, and daily expenses, travel costs can add up quickly. A travel loan can take the pressure off paying for holiday expenses upfront, so that you can plan and enjoy the trip of a lifetime.
Finance your next adventure with Accredit – our holiday loans provide Singaporeans and foreigners with the funds to plan and enjoy a trip without financial stress. We provide holiday loans with interest rates below 4% and allow you to borrow up to 6 times your monthly income.
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How it works
Just 3 Simple Steps
to get you started on your way to fast cash loans!
Get a Quote
Submit your loan application information online, where ever you are! Get an indicative pricing to have an estimate about the loan repayment terms available
Get Your Approval
Our Credit Systems makes approval a fast and instantaneous process. Our officers will contact you to make an appointment if your application is successful.
Get Your Money
Visit our branch with the necessary documents and get your money immediately! No waiting around and get your cash on the same day.
What A Travel Loan Can Cover
A travel loan can be used to cover all holiday expenses, including:
Flights and transport
Travel insurance
Hotel and resort bookings
Car rentals
Tour packages and activities
Dining
Shopping and souvenirs
Emergency travel expenses
Honeymoon or special trip costs
Accredit’s travel loans are designed to spread the cost of holiday expenses over a more manageable timeframe – if you’ve been dreaming of a holiday, but don’t have the money to pay for a trip, our travel loans can help. You can choose to borrow for a portion of the travel costs or to fund all expenses.
How Much Can I Borrow With A Holiday Loan?
Accredit’s holiday loans can be up to six times your monthly income. How much you can borrow for a holiday loan will depend on your citizenship status and level of income.
| Borrower’s Annual Income | Singapore/Permanent Residents | Foreigners |
|---|---|---|
| Less than $10,000 | $3000 | $500 |
| Between $10,000 to $20,000 | $3000 | $3000 |
| Greater than $20,000 | 6X monthly income | 6X monthly income |
Travel Loan Interest Rate
We offer interest rates under 4%, lower than the rates offered by banks and other larger financial institutions in Singapore. Our travel loans are designed for local residents and visa holders who have limited funds for a holiday.
Your travel loan rate will be based on your income and financial situation, and the amount you want to borrow. Accredit’s loan officers will assess your application and provide a loan offer within 24 hours of application.
Travel Loan Application Requirements
To apply for a Singapore travel loan with Accredit, you must:
- Be at least 21 years old
- Be a Singaporean Citizen, Permanent Resident, or a foreigner with a valid visa
- Have a minimum annual income of $10,000
You will also need to provide supporting documents, including:
- Proof of identification (NRIC, FIN, Passport)
- Income payslips from the last 3 months
- Employment letter as proof of employment
- CPF contribution history for the last 6 months
- Proof of residential address (e.g. recent phone or utility bill)
Travel Now and
Pay Later
With Accredit
Don’t let financial circumstances hold you back from enjoying your dream vacation. We offer flexible terms of up to 12 months to keep repayments manageable and minimise pressure on your personal finances.
Access low interest rates under 4% with same-day approval. Apply online or at our locations in Hougang, Jurong, Yishun, and Tampines.
Frequently Asked Questions
Do you charge late payment fees?
We do. However, our late fees are capped to make repayments easier without the risk of spiralling costs.
Will taking out a travel loan affect my credit score?
Yes, any finance can affect your credit score. Making repayments on time and completing the loan will ensure that there will be no negative impact on your credit score long term.
How soon can I get the funds for a travel loan?
You can get access to finance as early as the same day you apply. We review your application, request additional documents if necessary, and provide approval within 24 hours. After approval, you’ll be able to collect the funds within 15 minutes either via cash at our central locations, or via transfer.
Are there any restrictions on where I can travel using the funds?
No - it’s up to you how you spend the money! Once you have received the funds for your travel loan, you will be free to use them to travel anywhere for your holiday.
How long do I have to repay a holiday loan?
The duration of repayment is entirely up to you - we offer terms of up to 12 months for our travel loans and personal loans. Choosing a shorter term will lead to a higher monthly repayment amount but lower overall interest paid.
