Travel Now, Repay at Your Own Pace
Don't let waiting to save up hold back your travel plans. BST Credit's vacation loan helps cover flights, accommodation and more, so you can book your trip with a clear, transparent repayment plan from a licensed moneylender.
Apply for a Vacation Loan
Loan Purposes
Whether it's a honeymoon, a family holiday or a spontaneous getaway, a travel loan can help you fund the whole trip, not just one part of it.
Cover the two biggest costs of any trip upfront, so you can book early and lock in better rates.
Fund the experiences that make a trip memorable, from guided tours to a special dinner you'd otherwise skip.
Cover visa fees, travel insurance, or last-minute shopping for the trip, all in one loan.
Spread the cost of a bigger trip, like a family holiday or a milestone celebration, over manageable monthly repayments.
A simple way to fund your next trip:
Planning a trip often means paying for flights and accommodation well before you actually travel. A vacation loan lets you book now and spread the cost over repayments that fit your budget, instead of waiting until you’ve saved the full amount and potentially missing out on early booking rates.
As a licensed moneylender, we still walk you through your loan contract clearly before you sign, covering the loan amount, interest rate, repayment schedule and fees, so your trip starts on the right note.
The maximum you may borrow at any time, across all licensed moneylenders in Singapore combined, depends on your annual income and residency status, as shown below.
Not sure what your monthly repayments might look like? Try our Loan Calculator to get an estimate before you apply.
| Annual Income | Singapore Citizen and Permanent Resident | Foreigners Residing in Singapore |
|---|---|---|
| Less than $10,000 | $3,000 | $500 |
| $10,000 but less than $20,000 | $3,000 | $3,000 |
| $20,000 and above | 6 times the monthly income | 6 times the monthly income |
It helps to have a rough budget in mind before deciding how much to borrow. Here’s an example for a 7 to 10 day trip to Japan, a popular destination for Singaporean travellers:
Costs vary by destination, travel style and season, but working out a rough figure like this beforehand helps you borrow only what you actually need, rather than guessing.
These limits apply specifically to unsecured cash loans in Singapore. Here’s what borrowers should keep in mind:
As a licensed moneylender, we are bound by strict limits set by the Ministry of Law. Here is what applies to your vacation loan:
A trip is meant to be enjoyed, not something that leaves you paying it off long after the memories have faded. Before you apply, work out a repayment amount that fits comfortably into your monthly budget, and borrow only what your trip actually needs. Our responsible borrowing checklist is a useful starting point before you apply.
Prepare Your Documents
Submit the necessary documents to verify your information, or apply with Singpass to have your particulars retrieved directly and skip manual uploads.
Are 21 years old or above
Singapore Citizen, PR, or valid Work Pass holder (EP, S Pass, WP)
Steady income, whether full-time, part-time or self-employed
NRIC (for Singaporeans/PRs) or Passport and Work Pass (for foreigners)
1. Last 3 months’ payslips
2. CPF contribution history
3. Income Tax Notice of Assessment
4. Bank statement showing salary crediting
1. Latest utility bill (within 3 months)
2. Tenancy agreement
3. Official letters sent to your home address
Loan Benefits
Travel funding that's honest about what you're signing up for, so you can relax and enjoy the trip.
Lock in early flight and accommodation rates instead of waiting until you've saved the full amount.
Every rate and fee is disclosed upfront and capped within Ministry of Law limits, so there's nothing hidden in the fine print.
Whether it's a honeymoon, a family holiday or a solo adventure, funds are paid directly to you to use as your trip needs.
Real people and real guidance, from your first question through to your final repayment.
Loan Application Process
Apply online first, receive a verification call, visit our licensed office to review and sign the
loan contract, then receive your funds after approval.
Submit your loan application online with your basic details and preferred loan amount.
Our team will contact you to verify your details, understand your loan needs and guide you on the next step.
Visit our licensed office for in-person verification. The loan amount, repayment schedule, interest and fees will be explained before you sign.
Once your loan is approved and the contract is signed, the approved loan amount will be disbursed to you.
What Borrowers Say
See why borrowers trust BST Credit for clear loan terms, helpful service and a smooth application process.
FAQ
Answers to common questions about borrowing for travel and holidays in Singapore.
A vacation loan, also known as a travel loan or holiday loan, can be used for any travel-related expense, including flights, accommodation, tours, dining, travel insurance, visa fees and shopping. Since funds are disbursed directly to you, there’s no restriction on how you use them for your trip.
The maximum you can borrow depends on your annual income and residency status, and this limit applies across all licensed moneylenders in Singapore combined, not per lender.
Licensed moneylenders in Singapore are regulated by the Ministry of Law to keep borrowing fair and transparent.
To apply for a vacation loan with BST Credit, you should be 21 years old or above, be a Singapore Citizen, PR, or valid Work Pass holder (EP, S Pass, WP), and have a steady income, whether from full-time, part-time or self-employed work.
A credit card typically carries a much higher interest rate if the balance isn’t paid off in full each month, and a lower spending limit than a personal loan may offer. A vacation loan from a licensed moneylender gives you a fixed, transparent repayment schedule agreed upfront, so you know exactly what you owe and when, rather than an open-ended balance that can grow if only minimum payments are made.
You can check the official Registry of Moneylenders maintained by the Ministry of Law. Always apply only through official websites or verified contact channels to avoid unlicensed lenders. Read our full guide on how to check if a moneylender is licensed for a step-by-step walkthrough.
The Registry of Moneylenders cannot negotiate with lenders on your behalf, as this is a matter of private contract. If you’re facing financial difficulties, you may wish to approach a social service agency for credit counselling and help negotiating a repayment plan, such as Credit Counselling Singapore (6225 5227), which handles cases that also involve bank debts.
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