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Save up vs borrow — how to decide
When waiting and saving is the right call, when borrowing makes sense, and how to run the numbers for your specific situation.
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Travel
Holiday & travel loan
A family holiday is one of the most anticipated expenses of the year. A Cash Train loan lets you book now and spread the cost over months of fixed repayments.
Apply nowIndicative rates only. Actual rate offered depends on individual circumstances. Representative example: borrowing £1,000 over 12 months at a representative APR of 299% (fixed), monthly repayment of £149.06, total repayable £1,788.72.
What does a holiday actually cost?
Typical UK holiday spend across four common scenarios.
UK or European break
£500 – £1,800
Family of 4 for 7 nights. Flights or ferry, accommodation, and spending money.
All-inclusive Mediterranean
£1,500 – £3,500
Package holidays including flights, hotel and board.
Long-haul holiday
£2,500 – £6,000
USA, Thailand, Maldives, Australia. Flights alone for a family can exceed £2,000.
Travel extras
£200 – £800
Travel insurance, airport transfers, car hire, currency and excursions.
Choose the right amount for your trip
Three borrowing tiers designed to match common holiday budgets.
Quick
£100 – £500
1 – 3 months
A short UK break, travel extras, or a spending money top-up before you fly.
Most popular
Flex
£500 – £2,000
3 – 12 months
A European family holiday or a couple's long-haul trip, spread over comfortable monthly payments.
Plus
£2,000 – £5,000
6 – 24 months
A full long-haul family holiday spread over manageable monthly payments without straining your budget.
How it works
Three simple steps from application to booking.
Apply now
Tell us how much you need and for how long. No credit footprint at this stage — we just need the basics.
Get a personalised quote
We present your rate and monthly repayment. Review the full cost before you commit to anything.
Book your holiday
Once approved and the agreement is signed, funds land in your bank account so you can book with confidence.
Common questions about holiday loans
Only if you can comfortably afford the monthly repayments alongside your other commitments. If savings can cover most of the cost, use those first and borrow only the shortfall — you will pay less interest overall.
Always. Annual multi-trip insurance is often cheaper for families than buying single-trip cover each time you travel. It protects against medical emergencies, cancellation, and lost luggage — none of which your loan covers.
Your loan obligation remains regardless of what happens to your holiday plans. If the operator owes you a refund, use it to repay early — there is no early repayment penalty. Travel insurance covers other cancellation scenarios, which is another reason to take out a policy before you travel.
Section 75 of the Consumer Credit Act gives you protection on credit card purchases between £100 and £30,000, making it worth using a card for at least the deposit. If you do not have access to a card or prefer fixed monthly repayments, a personal loan can be a suitable alternative.
Ready to book your next holiday?
Apply online today — no credit footprint until you accept your personalised offer.
Apply nowWarning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk