Skip links

Take a healthy break

You have worked hard to obtain your home, and you continue to work hard every day. Now you find yourself wanting to take a vacation but do not have the financial means to do so or don’t want to rack up your credit card balances to pay for a vacation. If you’ve been resisting a tropical vacation or reuniting with your family and friends, consider a home equity loan. Taking that trip may be one of the healthiest decisions you’ll ever make.

Vacations are more than just fun

Vacation

Research suggests that stepping away from your daily routine through travel can improve your sleep, help you focus, and prevent diseases.

Setting life goals and working to accomplish them positively impacts our focus, self-esteem, and overall mental health.

Paying for family vacations using your credit card can lead to you incurring high-interest charges if you cannot pay it off right away. A home equity loan gives you the flexibility to pay for your vacation over time.

Homeowners get approved in less than 24 hours

01

Apply online in minutes

02

Get approved in less than 24 hours

03

Funds are deposited directly into your account within a week.

Apply now

See how Alpine Credits compares

It’s common for people to put their vacation goals aside because they don’t think they have the financial means to meet them. See how a home equity loan from Alpine Credits compares to other borrowing options.

Credit cards

Credit cards are known for their high interest rates, making them harder to pay off. Plus, it negatively impacts your credit score any time you miss a payment.

A personal line of credit

Lines of credit have variable interest rates that fluctuate, and may have additional annual or monthly maintenance fees.

Personal loans

These loans are typically unsecured, which means higher interest rates. Plus, you’ll pay interest on the total loan amount, even if you don’t need it all.

Approved-stamp

Own your home? You’re approved.

All you need to qualify for a loan is to own your home (or other real estate). Traditional banks look at factors such as your age, income, and credit history to approve you for a loan. At Alpine Credits, we focus on the amount of equity you have in your home or other real estate properties. We make the process as quick and easy as possible.

Apply now

Frequently asked questions

A travel loan is a loan for financing your travel expenses, such as airline tickets, hotel bills, and car rental. Alpine Credits offers travel loans through your home equity, so you can get the funds you need to have the vacation of your dreams. All you have to do is fill out our form, we will get back to you in about 24 hours, and we will deposit the money directly to your bank account if you are approved.

A vacation loan is a loan that is specifically designed to help you pay for your vacation. It can be used to cover the costs of your trip, such as airfare, hotel stay, and more. At Alpine Credits, we offer vacation loans through your home equity, so you can get the funds you need to have the vacation of your dreams.

Vacation loans can be a good idea if you want to take a vacation but don’t have the funds to cover the costs. They can also be a good idea if you want to take a more expensive vacation than you would normally be able to afford. By using a vacation loan, you can spread out the cost of your trip over several months, making it more affordable!

A loan for a vacation is available to anyone who is a homeowner. This means that you don’t need to have a good credit score or any credit history in order to be approved for your vacation loan. All we need is that you own your home and have the equity to back your loan. We can get you approved for your vacation loan in as little as 24 hours, so you can start enjoying that dream trip on your bucket list like a cruise, or a trip to a country you’ve never been to before.

**The above chart entitled “Monthly Loan Payments on $35,000” is for discussion purposes only. The graph is intended to illustrate various monthly payments associated with different product offerings to the reader. Please see below for the unique terms and conditions related to each offering. Final rates and payments for all loans in question are subject to change and vary based on each individual’s situation.
Bank Loans: $35,000 interest-only loan with fixed rate prime (2.95%) + 3% / monthly payment. Two-year term in which 100% of principal is owed at the end of the term. Other fees (appraisal/legal) may apply.
Alpine Credits 1st Mortgage: $40,500 (net $35,000) interest-only loan with 5.75% interest rate in year one and prime + 4.00% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Alpine Credits 2nd Mortgage: $40,500 (net $35,000) interest-only loan with 8.75% interest rate in year one and prime + 6.05% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Credit Cards: $35,000 loan paid off in 5 year & monthly PMT. 19.99% interest rate & fee of primary and secondary user ($99 + 30$ = $129 Yearly).
Online Loan 1: $35,000 loan paid off in 46 Months/Bi-weekly PMT with a 26.90% interest rate. Loan details have been taken directly from the online lending company’s website. Other fees may apply.
Online Loan 2: $35,000 loan paid off in 4 Years/Bi-weekly PMT. Loan details have been taken directly from the online lending company’s website. Other fees may apply.