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Vacation loans

Cover your vacation costs starting at 6.74% APR,

Check your rate with no impact to your credit score.

Check my loan options

Finance your vacation with a personal loan

Airfare

Pay for flights to travel to and from your vacation destination.

Hotels and rental cars 

Get funds for lodging and local transportation.

Tickets to attractions

Cover the costs of events, tours, entertainment, and activities.

Cruises

Pay for your cruise fare plus add-ons like port fees and excursions.

Get a loan to travel on your terms

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

Check my loan options
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Vacation loan FAQs

It's a personal loan you can use to cover your vacation costs. Vacation loans are used to pay for large expenses like booking domestic and international flights, cruises, hotel stays, and rental cars. A vacation loan can also cover tickets to events, tour packages, entertainment, and travel insurance. When you apply for a vacation loan through Wells Fargo, you can select the loan option that fits your budget.

Start by reviewing your loan options. You can view estimated rates and payments with no impact to your credit score. Once you choose an option that works for you, applying takes just minutes, and most customers receive a credit decision the same day. If approved, funds could be available as soon as the day you sign — just like they are for 97% of our customers.

The APR for a vacation loan depends on specific details, such as the loan amount, repayment term, and your credit history. When you check loan options for a chosen amount, you'll be able to see your rate. You may also qualify for a 0.25% or 0.50% rate discount with Autopay from an eligible Wells Fargo account.

Vacation loans are available from $3,000 to $100,000, with repayment terms ranging from 12 to 84 months.  We're here to help you find a loan that fits your needs. Start exploring personalized offers with no impact to your credit score. 

Yes. When you set up Autopay from a qualifying Wells Fargo account, you may receive a 0.25% or 0.50% rate discount on your vacation loan.

Pay for your next trip in a few quick steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

Most customers receive their funds the same day they're approved.

See options with no impact to your credit.

Check my loan options

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Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 10/01/2025 to 12/31/2025. The rates shown are as of 01/10/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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