I've been thinking about taking a proper vacation for the first time in like three years. Flights and hotels add up fast and I don't want to drain my savings completely. A few people I know mentioned they applied for a vacation loan online and said it was pretty simple but I honestly have no idea where to start or what to expect. I don't know if it's just filling out a basic form or if they actually do a hard credit pull right away and wreck your score before you even get approved. Also curious how long it usually takes to actually get the money after you apply because I'm trying to plan around specific travel dates.
Has anyone here actually done this recently and was the process as easy as people say or were there hidden steps that made it more annoying than expected?