Fund your dream trip with a vacation loan for homeowners

Get up to $500,000 and supplement your savings with a home equity loan to cover your vacation or travel expenses.

Quick approval

Large loan amount

Flexible requirements

Competitive interest rates

How to get a vacation loan

Complete an online application

Fill out the form with the right information: no obligation or impact on your credit score.

Speak with a Financial Solutions Specialist

A specialist will contact you to provide support, answer your questions and provide more information.

Get approved and receive funds

With at least 25% equity ownership in your home, you can get approved and receive funds within a few days.

What is a vacation loan?

Vacation loans are supplemental forms of financing to your savings to help you go on a trip or vacation. They can be used for any expense related to the trip, including flights, accommodation, and souvenirs.

Use cases for vacation loans

Turn your home equity into travel funds

Utilize the equity in your home to finance your dream vacation. Home equity loans provide a smart way to access cash, allowing you to embark on that getaway you’ve always wanted.

Spread out your payments

Enjoy the convenience of manageable monthly payments. Vacation loans allow you to spread the cost of your travel over time, making it easier to budget and enjoy your vacation without breaking the bank.

Make memories without financial strain

Traveling should be about creating unforgettable memories, not worrying about finances. A vacation loan helps you cover expenses upfront, so you can focus on enjoying your experience to the fullest.

Benefits of vacation loans using home equity

At Alpine Credits, our primary concern is not your age, credit, or income history when approving you for a loan. Instead, we focus on the value you have in home equity.

Save on interest
Home equity loans have comparatively lower rates than credit cards.

Upgrade your vacation
You can allow yourself to get a bigger room or visit more attractions.

Unlock your home equity
As housing values go higher, one way to enjoy the benefits is to use your home’s value to achieve your life’s goals.

Why choose Alpine Credits

Simple qualifying criteria

Alpine Credits focuses primarily on home equity value, and less on credit score or income status.

Quick approval and funding

Alpine Credits reviews your application significantly faster than traditional banks and lenders. Get your funds deposited in less than a week.

Personalized support

Alpine Credits has a team of Financial Solutions Specialists to help you and answer any of your questions.

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How does a vacation loan work?

You can find vacation or travel loans from traditional or alternative lenders. Once you get approved for it, you can combine it with your savings and plan your trip. As a loan, you’ll repay the amount with interest within the time the lender gives you.

Make your home equity the ticket to the perfect vacation

For some Canadians, the next step in their travel plans is figuring out how to finance it, which can be through a vacation loan. Alpine Credits has been helping Canadian homeowners access their home equity as cash, which they can use towards their vacation goals.

Regardless of your income history, your credit score, or your employment status, Alpine Credits can help you access tens of thousands of dollars. We make the loan process simple and quick.

Find loan options in your area

Click on the links below to get started, and see the mortgage options available to you, in the provinces we serve across Canada!

All of Canada

Consolidation loans in Canada

Business capital in Canada

Personal loans in Canada

Home equity loans in Canada

Investment loans in Canada

Third mortgages in Canada

Mortgage refinancing in Canada

Frequently asked questions about vacation loans in Canada

Find answers to frequently asked questions about Alpine Credits, home equity loans, second mortgages and more.

Can you get a loan from the bank for travel?

Some banks offer vacation loans, and they may be labelled as personal loans. To qualify for them, you’ll need a strong credit score and a steady source of income.

What is the difference between a personal loan and a holiday loan?

Personal loans can be used for any purpose, including holiday plans, debt consolidation, or renovation. The main purpose of holiday loans is to finance your vacation. Both are lump sums you can get from various lenders.

Are vacation loans a good idea?

Sometimes, getting additional financing is the way Canadians have the opportunity to go on a trip. They can be a good idea as long as you have examined your finances and can meet the lender’s loan terms and conditions.

Homeowners get approved.

Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home. We make the process as quick and easy as possible. Applying won’t affect your credit score.