Holiday loans with and without Schufa
Finance your dream vacation
Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.
Holiday loans: The most important elements in a nutshell
What is a holiday loan?
Are you looking forward to a vacation, but your travel budget is low? Then pay for your vacation in installments! With a vacation loan from Fluxcreidi you can book your dream vacation now and pay later in small installments . This also applies if you have a negative Schufa score and have already been rejected by others.
You can also finance your holiday in installments without a Schufa credit check. Our loan experts will be happy to check for you free of charge which route is best for you to your dream holiday. It only takes five minutes to apply for a holiday loan online, with or without a Schufa credit check – and we will take care of the rest.
You've probably experienced it yourself: You work all year round, but you don't have enough money for a nice trip. Fluxcreidi believes: You deserve your vacation. And you have the right to relax. That's why our travel loan experts do everything in their power to make your vacation dreams come true.
With an affordable holiday loan from Fluxcreidi, you can pay for your dream trip in convenient installments. And thanks to the still very low interest rates, it's worth it now.
What can I finance with a holiday loan?
Turas aisling
Are you looking forward to a vacation or a faraway country that always seemed out of reach because you didn't have enough money? Then you can try a vacation loan from fluxcreidi.com.
Our affordable holiday funding has no specific purpose , so you can decide independently and freely how far and to which destination you want to travel!
100% of your holiday loan will be transferred to your account and you will then be able to use the money freely.
honeymoon
Perhaps the most important and memorable trip of a person's life is their honeymoon . However, a honeymoon can be very expensive. Unfortunately, not everyone can afford it. If relatives cannot afford it, a vacation loan is recommended.
This allows you to start the first year of marriage without financial worries and spend beautiful moments together in your beloved country. Honeymoons are often financed with a loan.
educational trip
Education is important. Not only is it an opportunity to experience other cultures and people, but the ability to learn another language can open up amazing doors – not just on a personal level, but also on a professional level. Often, a stay abroad is even necessary to make your CV stand out from other candidates.
But a stay abroad lasting several weeks, perhaps even several months, can be expensive. Even in such cases, a holiday loan can help you and be an investment in your future .
Applying for a holiday loan with negative Schufa credit
During the credit check, it becomes clear whether a holiday loan without a Schufa credit check is really necessary and suitable. It often happens that even if you have one or two Schufa entries, you can still get a regular holiday loan .
In this respect, Fluxcreidi is very different from most other providers. “Bad Schufa” does not mean that you can only get a holiday loan WITHOUT Schufa. We can often offer you a holiday loan WITHOUT Schufa . At first glance, there is only one small word that differs between the two loans (“despite” instead of “without”), but in reality there is much more: A “normal” holiday loan with a Schufa report and Schufa registration is almost always much cheaper than a holiday loan without Schufa.
For this reason, the travel loan specialists at Fluxcreidi first try to find you a traditional installment loan. Thanks to our extremely flexible banking partners, we are often able to find such a loan for your vacation, even if you have a slightly weaker credit rating and a negative credit score in your Schufa credit report.
The options for paying holiday installments without Schufa will only be considered in the second stage if we do not receive permission from the requested banks.
Holiday installments without Schufa: How to find the right provider
If you want to pay for your holiday in installments without a Schufa check , you are in the best hands with a specialist in loans without Schufa. Fluxcreidi is well-trained in this specialized field with over 48 years of experience. That is why we can say with confidence: Whether a holiday loan with or without a Schufa check is possible for you, we will find it!
You may have applied for a holiday loan in the past and been rejected. There is no reason to give up and abandon your holiday plans.
The truth is: Many large banks categorically reject loan applications if there are small errors in the Schufa credit report, for example. Financing would be possible without any problems in many cases - but the large banks block them.
People like you who are trying to get a holiday loan are suffering. At Fluxcreidi, everyone has an equal chance of getting a holiday loan - even if their credit rating is not perfect. This is possible thanks to Fluxcreidi's collaboration with smaller banks in Italy and abroad, whose lending decisions are not based solely on credit ratings.
For regular holiday loans, we offer the greatest flexibility in terms of repayment terms and amounts. Repayments without a Schufa credit check are subject to slightly stricter requirements from the financing bank. This is another reason why it is a good idea to talk to one of our experienced travel loan specialists about your dream holiday and the right loan (with or without a Schufa credit check).
The motto is: Tell us your wishes and ideas – and we will make them come true.
Holiday loan repayment: a step-by-step guide
Determine the amount of your holiday loan
Before you apply for a personal loan for your vacation, you should know exactly how much you need. When calculating the loan amount, remember that you will need to cover not only flights and hotels, but also other expenses such as eating out or leisure activities.
Choose the price you want.
Request free funding for your solo vacation
Apply for a holiday loan
Get your vacation as soon as possible.
Vacation Loan Tips: How to Get Better Terms for Vacation Financing!
Tip 1: Apply for a holiday loan together!
Let's be honest, you will almost always be traveling with at least two people. Educational trips are the only exception.
It is recommended to register an additional applicant for a vacation loan, especially for a honeymoon. But even for long family vacations that you finance with a loan, a co-applicant will save you money.
This way, you can significantly improve your credit conditions and reduce your risk by half.
Tip 2: Count in euros!
While it's difficult to predict all the costs of a vacation, you can identify the biggest expenses before you go. These include, in particular, the cost of round-trip travel and accommodation.
But think about the other costs that you will almost always have to pay. You definitely want to get something nice on your vacation. Calculate these costs as well so that you don't have to give up the benefits despite the vacation loan.
Tip 3: Look out for last minute deals!
As mentioned, the process from loan application to disbursement is very fast on fluxcreidi.com, which is another reason why you should take advantage of this opportunity to look for affordable holiday deals.
Even if you have to act quickly and order something, it's not a problem as your personal holiday loan can be in your account within 24 hours at best.
Tip 4: Look for special free cash back options!
A vacation loan can be a monthly financial burden for years – but it doesn’t have to be. If you get the money in the coming weeks or months, you definitely want to be able to pay off the remaining amount in full at the same time.
Unfortunately, some banks charge a significant fee for this service. However, at Fluxcreidi we strive to offer you loans with free early repayment whenever possible.
service
Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.