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Vaycay Your Way

Vaycay Your Way


Vaycay Your Way

With Summer right around the corner, it’s time to start turning your vacation dreams into a reality. Your mental health can use some Vitamin-D after Ohio’s Winters (yes, even the mild ones!), and CSE can help cover the cost so you don’t have to save up for months before going. An affordable vacation loan to fit your budget helps you get to where you want to go!

Planning a vacation is a great way to unwind and relax. It boosts happiness with memories you make while providing a break from the daily grind of work and your everyday chores. Vacation also can help with burnout, which seems to be a common buzzword while we recover from Covid.


Pros and Cons of a Vacation Loan

It’s always a good idea to first consider and weigh the pros and cons to decide if a vacation loan is the best long-term solution for you. It’s never a great idea to create more financial stress for yourself, but if you believe that a little extra boost to your budget makes sense, and you can realistically afford to pay it back, it may be worth taking borrowing a little extra dough for a vacation to destress.


  1. Easy Access to Funds: One of the biggest advantages of vacation loans is that they provide easy access to funds. You can access funds up front without needing to save for months leading up to your trip.
  2. Fixed Interest Rates: Vacation loans often come with fixed interest rates, which means you know exactly how much you will have to pay back each month. This can help you budget for your trip and avoid any surprises when it comes to paying off the loan.
  3. Flexibility: Another advantage of vacation loans is their flexibility. You can use the loan for anything related to your trip, from airfare and lodging to food and activities. This means you can design your perfect vacation without worrying about the cost.


  1. Interest Rates: One of the biggest drawbacks of vacation loans is their higher interest rates. Because they are personal loans, they often come with higher interest rates than other types of loans. But, generally, personal loan rates are lower than credit card interest rates.
  2. Risk of Debt: Taking out a loan for a vacation can be risky, especially if you already have other debt. Be careful not to put yourself in a situation where you are unable to make your loan payments after your vacation.
  3. Limited Funds: Vacation loans are not a bottomless pit of funds. You will only be able to borrow a certain amount of money, which may not be enough to cover all of your expenses. This means you may need to cut back on some aspects of your trip or look for other sources of funding.

Saving up funds your vacation in advance, rather than taking on debt is always ideal. Setting money aside each pay is simple, especially when you set up an automatic transfer from your regular direct deposits. But sometimes, you may still come up a bit short on funds for a trip of a lifetime.

If this is your year to prioritize a vacation, we’re happy to help when called upon. So, if you’re budget it less than ready for a vacation, let us help you get on your way.

Apply for a Vacation Loan


*All loans are subject to credit approval.


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