We’ve all dreamed of taking a dream vacation. There’s just one problem: vacations are expensive. However, financial products like credit cards or vacation loans make it easy to visit the places you’ve only read about in books!
About 23% of Americans have used vacation loans instead of borrowing from friends and family to see the world. If you want to join them, here are a few tips to help you finance your next vacation.
While vacation loans can help finance a trip, they are not without risk. A loan for vacation is a form of debt, and it can impact your finances long term. It’s important to understand the terms of your loan before signing any agreement.
Most vacation loans offer low-interest rates (as low as 6%), but they can be higher in some cases. Know exactly what you agree to before you hop on that plane!
If you’re going to borrow money for a vacation, remember these simple rules:
Have a plan for paying off your loan. This will help ensure that you don’t default.
Do not borrow any more than you need! Overborrowing may give you extra cash now, but it can cause real problems for your future finances.
Do your homework. Before you book your trip, examine all your funding options.
Some people travel using credit cards or personal lines of credit, while others opt for affordable vacations or choose vacation loans. Your best option will depend on many variables. If you have good credit and a few rewards points, you might be able to mitigate some of your vacation costs with your credit card.
If you have poor credit, a personal loan for vacation might be the best option for you. These are unsecured loans (they do not require collateral), and they often provide lower interest rates than a credit card.
Many online lenders offer vacation loans, no credit check services that do not require a hard credit check. Also, vacation loans bad credit is a perfect solution for those who do not have a good credit score. These lenders make it easy to get the funds you need for your trip.
The cons of vacation loans may be evident. You’re taking on debt, and the interest your loan accrues can add up. Additionally, your travel loans could impact your credit score in the long term – especially if you don’t pay it on time.
However, the pros of a vacation loan are even more obvious. Vacation loans are easy to obtain (since no collateral is needed), and their low-interest rates often make them cheaper. Also, vacation loan lenders can help you establish a payment plan so that you can repay your loan with fixed monthly payments.
Then there’s the biggest pro of all: you can go to your dream destination!
How do you get a vacation loan? With SameDayLoans365.org, the process couldn’t be simpler and easier.
Fill out an application with your basic information, including name, age, address, and income information. Once you click “send,” your application will be sent to our network of online direct lenders. When one of them extends a loan offer, read it, sign, and start packing! You will receive your funds via direct deposit, typically on the next business day.
Now that you have your travel loan, where are you going? There’s one place that should be on everyone’s list – Thailand.
This country is known for its sunny beaches, gorgeous temples, and delicious food. But if you’re a book lover, you have yet another reason to visit: Thailand has a wonderful literary tradition. It’s a perfect place to travel for book lovers. The United Nations Educational, Scientific, and Cultural Organization even named Thailand the World Book Capital in 2013!
Thailand has many ancient poems and manuscripts available for book-loving tourists to admire. The National Library of Thailand has a beautiful collection of artifacts. Their collection of traditional books and poems is a shining example of Thailand’s contributions to the literary arts.
Once you arrive in Thailand, you’ll want to take in some of the nation’s beautiful landmarks.
Book lovers will enjoy literary sights like:
Wat Phra That Hariphunchai: This 12th-century temple in northern Thailand is home to many beautiful Buddhist scriptures. Book lovers can admire the scriptures and the temple itself, which is a breathtaking example of Thai architecture.
Bangkok Art and Culture Centre: Book lovers have a special reason to visit the Centre: The Bangkok Book Festival. This annual event draws speakers, authors, writers, and readers together for a weekend of all things literary.
Central Literature Botanic Garden: The Central Literature Botanic Garden in Khao Prathap Chang Wildlife Sanctuary is the perfect place to relax and read. This garden contains seven nature trails – each adorned with plants that have been featured in Thai literature.
Besides literary history, Thailand has a rich and vibrant culture that will astound any visitor.
Stand awestruck in the presence of gorgeous ancient temples like Wat Rong Khun. Shop with the locals at Bangkok’s floating market. Explore the tranquil beauty of Phra Nang Cave Beach. No matter what you want to do, you’ll find it in Thailand!
In addition to the many literary sites around the country, Thailand has several libraries that can be great fun for any bookworm. Don’t forget to visit these:
The Bank of Thailand Library: This library offers access to over 30,000 books and sweeping views of the river nearby. It’s a great place to explore, read, and relax after a long day of sightseeing.
Lumpini Public Library: This is Bangkok’s first public library, which has been in operation for over 50 years. Browse the books and audio-visual materials, then take a seat in Lumpini Park and start reading!
Neilson Hays Library: The Neilson Hays Library has one of Thailand’s largest collections of English-language literature. It’s a great spot to get your next vacation read.
The National Library of Thailand: No discussion of Thailand’s literature would be complete without discussing the National Library of Thailand. This library was established with one goal: to preserve the nation’s intellectual property. The work they’ve done to celebrate Thailand’s literary history can’t be missed!
Every Thai vacation should include a trip to the country’s National Library. Here, you will see stunning examples of Thai architecture, literary artifacts like stone inscriptions, palm leaves, and traditional Thai books.
The National Library of Thailand has over ONE MILLION books. You can spend hours getting lost in there! And once you find a book you love, settle in for an afternoon of reading amid the peace, quiet, and tranquility of the library.
A vacation in Thailand is a lot of fun – but it’s also food for your soul. After visiting, you’ll return home inspired and with a new appreciation for life. That is certainly worth your loan for vacation!
Apply for a vacation loan and get ready for the trip of a lifetime. We’ll see you at the National Library!
Raven’s genuine interest in behavioural economics and her expertise in psychology, acquired during her Master of Professional Studies (MPS) in Applied Behavioral Economics at Dyson Cornell College of Business make her the perfect candidate to approach all the personal finance topics through the perspective of an individual’s psychology.