Holiday Loans
Finance for a short break or the trip of a lifetime? Find out which holiday loans you’re eligible for with our partner Aro through their trusted panel of lenders. Just like Asda Money, Aro is a credit broker, not a lender.
If you take out a product through Aro, Asda Money will receive a commission payment from Aro. The amount charged will be in connection with the specific product selected and so different amounts of commission are received. For more information please see our FAQs.
When you check your eligibility below you will be transferred to our partner Aro.
Representative
29.7%
APR
If you’re longing for a much-needed break, you may have started looking for the best holiday loans. Whether it’s for the trip of a lifetime, a relaxing getaway or visiting family abroad, a personal holiday loan could help you jet off now and pay in instalments.
With a personal loan, you could borrow between £1,000 and £25,000 to top up an existing holiday fund or pay for a whole trip.
Search Aro's panel of trusted UK lenders to find the right loan at the right rate for you. You can check if you’re eligible for a loan without impacting your credit score and get your decision in minutes.
Why choose Asda Personal Loans?
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One simple form…
Receive quotes from a trusted panel of lenders without harming your credit score
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The Asda advantage
Known for putting value for money at the centre of everything we do
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Asda service, Asda value, expert providers
Loan options that work around you
Alternatives to loans for a holiday
There are other options for funding your next holiday. You could consider:
Credit cards
Paying for your holiday on a credit card and paying it back over time may be cheaper than taking out a personal loan. Make sure to weigh up the pros and cons of each holiday finance option before you make your decision.
Using savings
If you can delay your trip, setting a target and saving towards it could suit you. Instead of paying off a loan through a holiday finance agreement, you could save the equivalent amount each month instead.
Share the cost
If you’re booking a group holiday, consider sharing accommodation and splitting the cost between family or friends. Choosing a self-catering villa over a hotel is a great money-saving strategy.
Take advantage of offers
For expensive holidays, many providers offer payment plans. Speak directly to your booking agent to see what deals they could do.
Looking to fund something else? Working with our partner Aro they can help you compare loans for everything from weddings and cars to home improvements and debt consolidation.
Top Personal Loans FAQs:
- Why choose a Personal Loan?
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Asda have partnered with Aro, who are a leading credit broker. This means customers can get access to a carefully selected lender panel who provide personal loans.
- How does it work?
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With one simple check, you can search Aro’s panel of selected lenders to see what loan options you have. Once you’ve been approved you will receive your funds, which in some instances could be on the same day.
- How much can I borrow?
- Will applying affect my credit rating?
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No. One of the best things about working with our partner Aro, is you get access to their panel of trusted lenders with no hard credit footprint left on your credit file. When you apply, a soft search is completed which doesn’t harm your credit score.
However, if you do proceed with an offer from your search with them, the lender will complete a hard search. This will show on your credit file.
- What credit score do I need for a bank loan?
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Strictly speaking, there is no minimum credit score for you to be approved for a personal loan. If you have a strong credit score, more lenders may be willing to lend to you with better interest rates on offer. If you have a lower credit score and have had problems borrowing in the past, you may find a smaller pool of lenders are willing to lend to you. You may even have to look for a specialist lender that offers loans for bad credit.
- Can I get a loan with a CCJ?
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If you have a county court judgement (CCJ) against your name, you may struggle to get a personal loan with mainstream lenders. However, you may find specialist lenders that are willing to lend to you.
- Can I borrow money with bad credit?
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If you have bad credit or have had money problems in the past, you may find that some lenders aren’t willing to lend to you. Those that are may only do so with higher interest rates. It’s worth looking at specialist lenders for bad credit loans. Or you can work on your credit score to improve it before applying for a loan.
- Why won’t my bank give me a personal loan?
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Lenders look at a variety of factors when deciding on whether or not to offer you a loan. They each have their own criteria which will take in your credit score, job, monthly income and more. If you have been rejected by a lender, you can always ask them why and hope they will give you some insight into their lending criteria. They may direct you to one of the main three credit bureaus to find out more information
- Can I borrow money with a poor credit score?
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If you have a poor credit score or have had money problems in the past, you may find that some lenders aren’t willing to lend to you. Those that are may only do so with higher interest rates. It’s worth looking at specialist lenders for bad credit loans. Or you can work on your credit score to improve it before applying for a loan.
- How to get the lowest rate for a personal loan?
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The interest rates offered by lenders depend on a range of factors including how much you’re borrowing and the length of the loan. They will also look at your credit score. To help get a lower rate, you can look to improve your credit score by signing up to the electoral register, closing old accounts, checking for any errors on your report, and paying all your bills on time. You may also consider increasing the length of the loan or borrowing less.
- Can I take out a loan if I already have one?
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Yes, you can. When you apply for a new personal loan, lenders will look at your existing borrowing to see if you can afford the second loan. Many people choose to take out a new loan to consolidate existing borrowing – whether loans or credit cards – into one loan with a single monthly repayment.
- If I already have bad credit, what could this mean for my application?
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When you apply for a personal loan with a lender, this will show up on your credit file. Your credit score may take a very small hit in the short term once you take the loan out. But if you pay your monthly payments on time and in full, this can have a positive impact on your credit score.
About our trusted provider, Aro
We’ve partnered with Aro to provide our customers the very best loan options from a panel of handpicked trusted lenders. Asda is in partnership with Aro. Both Asda Money and Aro are credit brokers, not lenders.
Following one simple eligibility check, your loan options with be displayed. It’s also a safe way to view your options without negatively affecting your credit rating.
Have you ordered your Travel Money?
ASDA Money is a trading name of Asda Financial Services Ltd who are an Introducer Appointed Representative of Aro who are authorised and regulated by the Financial Conduct Authority. Aro acts as a credit broker and not as a lender.
Terms and conditions apply. UK residents aged 18 and over. If you take out a loan, Asda Money and Aro receive a commission payment from the lender. Different amounts of commission are received from different lenders and the amount will be either a fixed amount or a percentage of the amount you borrow and dependent on the lender you select. We will not charge you a fee for our services.