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Holiday Loan

Make Your Dream Vacation a Reality with a Holiday Loan

Take the getaway you’ve always dreamed of with the help of a holiday loan. Whether you’re planning a relaxing beach retreat, an adventurous road trip, or a family holiday abroad, our loans help you finance your trip with ease and confidence.

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Key Features of Our
Holiday Loan

A holiday loan provides flexible funding to cover the cost of your next vacation. From flights and accommodation to sightseeing and travel essentials, a holiday loan from Serve and Protect Credit Union ensures you can enjoy your trip stress-free.

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Range

You can apply for loans between £500 and £25,000.

Repayments

You can choose repayment terms between 12 to 96 months.​

Rates

We have affordable tiered rates starting from 8% APR to 13.5% APR.

Why Choose a
Holiday Loan?

Tailored to meet the needs of our members in the police, prison, military, fire and health services, our loans take the financial strain out of planning your well-deserved break.

Make Your Dream Trip a Reality

From flights to accommodations, our loans help you fund the vacation you’ve always imagined.

Avoid High-Interest Credit Card Debt

Holiday loans often offer lower interest rates than credit cards. By using a loan instead of charging your trip to your credit card, you can save money on interest charges and avoid building up high-interest debt.

Enjoy Your Vacation Without Financial Stress

A holiday loan lets you enjoy your vacation without the stress of upfront costs, making it easier to manage your finances without sacrificing your travel experience.

A woman enjoying a scenic view from a boat on holiday, made possible with a Serve and Protect holiday loan.
A woman enjoying a scenic view from a boat on holiday, made possible with a Serve and Protect holiday loan.
A woman enjoying a scenic view from a boat on holiday, made possible with a Serve and Protect holiday loan.

Things to consider

  • Evaluate Your Expenses - Ensure the loan amount you apply for covers the entire trip while keeping your finances manageable.
  • Repayment Affordability - Make sure the loan fits within your budget and won’t put a strain on your other financial commitments.
  • Consider Future Financial Priorities - Think about how taking out a holiday loan might impact your future financial goals, such as saving for a home or building an emergency fund.
Can I Apply?

To apply for our Holiday Loan, you need to:

  • be eligible to join our credit union
  • be aged 18 or over
  • be a UK resident
  • be in paid employment or have a regular income and are not a full-time student
  • and not have any recent CCJs, credit defaults or bankruptcies

If your employer hasn’t set up payroll deduction with us, you can still repay via direct debit, as long as you fit in to our field of membership.

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Use our loan calculator to explore repayment options and find what works for you!
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Frequently Asked Questions

Our rates range from 8% APR to 13.5% APR, depending on the amount borrowed and repayment terms.

Absolutely. There are no penalties for early repayment, so you can take control of your finances at any time.

Yes, we run credit checks as part of our process. However, we consider many factors beyond your credit score, such as your income and financial habits, so don’t count yourself out if you’ve had a few bumps.

Unfortunately, we are unable to lend to individuals who live outside of the UK unless payroll deduction is available with your employer.

A holiday loan is a personal loan designed to help you cover the costs of your vacation, from travel and accommodation to activities and excursions.

You can use the loan for all your holiday needs, including flights, hotels, entertainment, and more.

Our team is here to help with any further questions you may have. Reach out to us at 0121 700 1222 or start your application today with confidence! Apply Now.

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Ready to Apply?

If you’re ready to apply for a holiday loan, Serve and Protect is here to help. During your application and after you apply, you may be asked to provide:

  • proof of identity and proof of address
  • proof of employment and/or income
  • information about your financial situation
  • your banking details so you can save with us

Take the first step toward your perfect holiday today.

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