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Where Would You Like To Go?

There are many reasons you may be considering serious travel. It may finally be time to visit family you haven’t seen in far too long, or to attend an out-of-state wedding, graduation, or other special event. You might be exploring a possible move to another state, or even another country, and want to get a feel for what it’s like to live there before you commit. You may be researching for a book you’re writing or a project you’ve undertaken, and you have to go where the information is. Maybe you’re looking at colleges. Maybe you’re on a honeymoon. Maybe you’re just restless and not sure what you’re looking for.

Not that you need any of these reasons to travel. There’s inherent value in visiting other places. Museums, national monuments, historical sites, architecture, religion, music, food, or just local culture in general – it all makes our own world a little bigger and a little richer. Even if you’re looking at a family vacation at a theme park, or a camping trip, or thinking maybe you’ll just start driving and see what comes, travel is a time-honored way to expand our horizons, deepen our relationships, and enrich our minds and spirits.

Travel can be expensive. Airfare, hotels, meals, entertainment – it all adds up quickly. It’s important to budget for any vacation or other travel, not to take the fun out of it or make it all about money, but to make sure that it can stay fun and won’t be derailed by financial concerns. By having a plan and taking the time to prepare for anticipated expenses, you can free yourself from worrying about how you’re going to pay for everything or what you can or can’t afford to do along the way.

There are practical ways to reduce the expense of your business or personal travel. Compare flights from different airlines at different times of the day, or on different days of the week. Ask hotels what discounts they may offer for senior citizens, government employees (including teachers), AAA members, or other any other category to which you may belong. Look at lodging options outside of town instead of in the heart of the city (although your transportation situation may make this counterproductive). If your lodging has a refrigerator or kitchenette, consider having at least one meal a day “at home” instead of hitting three restaurants each day.

Ideally, you know a trip is coming well in advance and you can start saving up for it ahead of time. Even with that, however, you may wish to consider a travel loan before you set out. A travel loan helps you lay out a practical budget in advance. Vacation loans give you access to the resources you’ll need in order to enjoy your trip and let you repay the money you’re using in manageable monthly payments afterwards. That way, you can focus your energy on whatever you’re there to do – see family, explore natural wonders, admire artwork, or eat weird food – instead of worrying at every step how you’re going to pay for it all.

When Travel Loans Make Sense

If you know in advance you’ll be traveling, you may be able to save money for part or all of your trip. Even with money in savings, you may not wish to empty your reserves in order to travel. It’s always nice to have money set back for unexpected expenses or emergencies. By utilizing a loan for traveling, you can keep your savings intact and pay back the costs of your travel in fixed monthly payments over time. If anything goes wrong in the future, you’ll have money in savings to help pay for it. If not, you win two ways – you’ve kept your savings intact and strengthened your credit history by paying off the loan. Next time you choose to borrow, you may find you have even more options on even better terms.

For minor expenses, you might find it convenient to simply use your current credit cards. If you have plenty of room left on your credit limit and your cards carry an unusually low interest rate, this approach certainly has some advantages – particularly in terms of convenience. You don’t want to spend your entire trip worried about whether or not you’re about to hit your limit, however. Most credit cards carry high interest rates and are designed to allow perpetual debt. If you’re making the minimum monthly payments required, it could be decades before you see your balance go down significantly. Credit cards are a wonderful tool when used sparingly and with full understanding of how they work. They’re not always the best way to pay for major expenses.

As with so many things, you’re looking for a balance. You don’t want to be so budgeted and restricted that you’re afraid to make the most of your trip, whatever its initial purpose. On the other hand, you don’t want to take a “fly now pay later” approach to the whole thing which ignores the consequences of your choices completely. A travel loan might help you find that balance. It’s entirely up to you.

What Is a “Travel Loan”?

A loan for traveling is usually going to be a personal loan – an unsecured, fixed-rate term loan. “Unsecured” means you’re not putting up your home or other valuable property as collateral for the loan, and aren’t in danger of losing that home or other property should you for some reason fall behind. The lack of collateral may mean slightly higher interest rates, although exactly how high will depend on current market conditions and on your personal three-digit credit score. “Fixed-rate” means that whatever interest rate is agreed upon when you finalize the loan is what the rate will be for the life of the loan, no matter what happens to interest rates nationally. “Term” means the number of payments required to repay the loan, as well as when they’re due and exactly how much each one will be, is established at the outset of the loan and won’t change until the loan is paid in full – at least not without some form of refinancing approved by both yourself and the lender.

There are reputable online lenders who specialize in travel loans for bad credit and other challenging situations. For example, if you have a rocky credit history but can establish solid employment and sufficient income to cover repayment, you may still be able to take out a personal loan for traveling. There may be additional upfront fees or higher interest rates, but don’t assume prohibitive terms without shopping around. With a little persistence, you may be surprised what opportunities you uncover.

Some travel finance loans can be set up as “lines of credit,” in which interest rates and a credit limit are established up front, but no money distributed until you request it. The advantage to a line of credit is that you only take out what you need, when you need it, up to your maximum amount. Under this system, you’re only paying interest on money you’re actually using – future needs can be handled, well... in the future. Many lines of credit also allow you to “re-borrow” money you’ve paid back. If you’ve taken out most of your maximum amount, for example, then over time paid back about half of it, you now have that percentage of your maximum available to borrow and use again. That means paying interest on the repayment again, of course, making a line of credit similar in many ways to a credit card.

Loanry® is here to help you get to where you need to go

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Why Loanry?

You don’t want to have to take vacation time just to plan your vacation. You especially don’t want to have to miss work or neglect your family to go in search of loan options. Fortunately, it’s still the 21st century and you don’t have to leave the house to do most of your preparation for either.

If you’re traveling for business, you’ve presumably researched your destination online. You’ve looked at company websites, looked into car rental, and requested the business rate at whatever hotel you’ve reserved. If your travel is designed to get you to an event, you’ve no doubt sent and received a few emails, checked online maps of the area, and maybe explored a few restaurant options for afterwards. If the goal is pleasure, you’ve certainly examined the costs associated with the theme park, museum, or other destination. You’ve looked into family lodgings and tried to figure out what else is in the area.

Researching loans for travel is even easier. Thanks to the proliferation of online lenders and lender marketplaces like Loanry, the dynamics of borrowing are quite different than they were a generation ago. In what other field is the customer expected to work so hard for the approval of the company with whom they’d like to do business? It doesn’t really make sense when you think about it. Shouldn’t they be competing for your business instead?

You don’t have to search through the endless array of online lenders and figure out who looks reliable or flexible or friendly; we’ve done that part for you. At Loanry, we maintain a database of reputable online lenders with strong track records and a focus on long-term customer satisfaction. Rather than going from bank to credit union to rich uncle and then to yet another bank, you can submit a short summary of what you’re looking for and what you need from wherever you happen to be and whenever it’s convenient for you. It’s on the lender to make you an offer, and up to you whether you accept or not. That’s how business is supposed to work. And now it can.

Personal. Meet loan.

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If you’re traveling for career advancement or to secure a business deal, it may be one of those times you have to spend money to make money. By controlling costs and how you pay for them, you’re maximizing your flexibility as well as your potential profits. Every decision you make either hurts or improves your credit history and future credit score. You may not think about such things on a daily basis, but they’ll matter eventually – sooner than you think, and more often than many of us consider.

If you’re traveling for pleasure, that’s great. That’s why we work so hard and save money and try to keep our debt under control to begin with, isn’t it? Vacationing with friends, as a couple, or with family can create some of the most valuable memories of a lifetime – things far more important than money or credit scores or interest rates, to be sure.

The thing is, it’s that money and those credit scores and interest rates that usually make those memories possible. Money doesn’t buy happiness, but it does buy meals together and fills up gas tanks and purchases tickets and pays for camping equipment. That’s why we’re so persistent about helping you take more effective control of your personal or small business finances. The goals we’re talking about at Loanry and across the Goalry.com family don’t stop with your retirement planning or debt consolidation or improved credit scores.

Those things all matter, however, because they allow you to focus on and take advantage of the things that matter even more.

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Educating yourself about your personal or small business finances is just as important as knowing what’s on your credit report or understanding different types of vacation loans. The Goalry content mall is a collection of related financial sites, each with its own focus, but all offering hundreds of informational articles and dozens of related videos and online tools. A single log-in and password allows you to take your information to any Goalry site without having to start over. That way, we can provide you the most accurate and useful service without you filling out the same forms over and over.

We’ll never charge you for visiting or using our online tools. We don’t even have mugs or t-shirts for sale. It’s probably a bit idealistic, but at Accury.com, Billry.com, Budgetry.com, Cashry.com, Debtry.com, Loanry,com, Taxry.com, and Wealthry.com, we believe that most of us, given access to information in plain, simple English, and offered a few basic resources, are quite capable of improving our circumstances and making our own financial decisions.

Want to help us prove we’re right?

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Did You Hear?

“Traveling – it leaves you speechless, then turns you into a storyteller.”

Ibn Battuta (Moroccan Scholar and Explorer)

Educate Yourself

Get the Most Out of Your Travel

More expensive doesn’t necessarily mean more enjoyable, especially when it comes to travel loans. While you don’t want your entire trip to be built around financial worries, there are plenty of ways to save for your journey ahead of time and minimize unnecessary expenses while you’re away.Like so many things, it starts with paying attention – what are you going to want to do, and what does it cost to do those things? What does your household budget look like now, and how much wiggle room is there for vacations or other travel? How can you save enough money this year to fund part or all of a trip next year?

We’ll walk you through a range of ideas for making your trip more manageable. Some you may have already thought of, others you’ll wish you had. Being prepared and making plans isn’t about taking the fun out of anything. Being prepared allows you to have fun without finding yourself caught off guard by the fiscal consequences.

Even if you’re not going on a trip anytime soon, you should still check out some of these money-saving ideas. Many of them work just as well for saving up for that new computer or replacing your tired old truck as they do hopping on that jumbo jet to who-knows-where.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.

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Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Reasons for Travel Loans

A travel loan can offer financial flexibility in any number of situations. Whether handling an emergency out of state or traveling overseas to see more of the world, loans for travel are a short-term solution to get you almost anywhere.

Vacation Travel

Experts say that it’s better to buy experiences than stuff. Whether it’s taking the kids to a theme park, exploring a natural wonder with good friends, or beginning a new life together with a romantic getaway, the right travel loan can make big things possible.

Emergency Travel

Some things you just don’t see coming. Whether you’ve just received a call about a loved one in the hospital or received an invitation to a wedding or graduation ceremony you don’t want to miss, a personal loan for travel can allow you to show your support without sacrificing your own financial stability.

Business Travel

It’s the opportunity of a lifetime, or it’s a chance to finally make the big changes you’ve been wanting to make. Maybe it’s a chance to grow your business or take things in a better direction. Whether you’re traveling somewhere to interview or meeting face-to-face to seal a business deal, a travel loan can bridge the gap between here and there.

Transportation Costs

Airline tickets, car rentals, taxis, subways, or boats – traveling costs add up. Take your loans to go with a personal loan to finance the actual traveling in your travels. You shouldn’t have to worry about how you’re going to get there – even with airplane financing bad credit doesn’t automatically disqualify you for the right travel loan.

Hotels and Accomondations

Whether you’re out of town or out of the country, doing business or building memories, life’s basic necessities remain essential – food, shelter, and the t-shirt or mug to prove you were there. You may not choose to surround yourself in luxury, but neither should you settle for an uncomfortable bed and a cold shower. You have better things to focus on – let’s get you a room and some decent food.

Relocation and Moving

Whether you’re relocating to another state as a career move or heading halfway around the world for personal enrichment, you’re going to need some flexible resources while things are in flux. Whether it’s moving vans, hotels, meals, or other miscellaneous expenses, a travel loan allows you to focus on your larger goals and critical decisions along the way.

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