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Annual Percentage Rate 10.75% APR* 10.75% APR* 10.75% APR*
No. of Payments 12 24 36
Monthly Payment (approximate amount)




Apply for My Vacation Loan
Hurry offer is only valid until August 31st, 2019!
Here Are Additional Resources to Help You Plan Your Next Vacation 

One of the best options to make your vacation dreams a reality and to give you that VIP trip is a travel loan or personal loan. You might be laughing and thinking, “A personal loan is for serious expenses, not enjoyment.” The reality is, we all need to recharge our batteries from time to time, and if budget is keeping you from getting the down time you need, a personal loan could be an option for you. Okay, so maybe you don’t like the term “personal loan” what if I called it a vacation loan instead? That’s right, a travel loan is a loan designed to give you the freedom to take your dream vacation and TFCU is one of the best travel loan providers.

secured loan is a loan that has collateral, something pledged as security for repayment of the loan. If you default on the loan, you forfeit the pledged collateral.

An unsecured loan or vacation loan means there is no collateral to back up that loan. Meaning you apply for a $2,500 loan, you get just that with nothing on the line. With an unsecured loan if you happen to default on the loan you will occur late payments, and could potentially be sued by the lender leaving your credit report upside down and a ton of additional costs coming your way.

So why does one person choose a secured loan over an unsecured loan?

For starters, interest rates play a big part when applying for loans. As with all loan types, the better your credit score the better the interest rate you’re likely to get. Secured loans are usually less risky so they come with better interest rates than an unsecured loan. Another reason someone might choose one loan option over the other is because of qualifications.  Sometimes you might feel you have a great credit score, but you are still a risk to the lender, therefore they will deny you the option of an unsecured loan but approve you for a secured loan. More than anything, availability plays a major role. When you are looking to apply for a personal loan, you’re more likely to see an unsecured loan over a secured loan. Take for instance Tropical Financial’s Vacation Loan. This is an unsecured loan offered to our members to help make their travel dreams a reality.

For more information you can speak to a representative at (888)-261-8328 or apply above, today! Take advantage of summer, begin your travels today with a vacation loan. 


*APR = Annual Percentage Rate. Current TFCU accounts must be in good-standing. Proof of income is required. Only one Summer Vacation Loan per member. Members may qualify for the following discounts: 1/4% rate discount for Premium Checking, 1/4% rate discount for auto payment from TFCU account, 1/4% rate discount for auto loan with TFCU. Rate discounts cannot be combined with any other TFCU offer. All loans subject to approval based upon creditworthiness, qualifications and collateral conditions.  Other conditions may apply.  Rate offerings are subject to change without notice. TFCU membership eligibility required with $5 minimum in savings. Member must reside in a state within TFCU lending area. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date.