Cash travel credit. How to get a vacation loan

Almost everyone plans their vacation in the summer to have a good rest on the seashore. But not everyone can afford to save up for the desired vacation. In this case, vacation credit comes to the rescue. This is a great option for those who decide to relax, but do not have enough money for the trip.

A vacation loan is an ordinary consumer loan, which is issued in a bank in the shortest possible time. The borrower can use the received loan funds to pay for the tour and for personal expenses that may arise during the holidays. In addition to credit, banks actively provide credit cards. To issue a credit card or a loan for a vacation, everyone decides for themselves.

Holidays on credit or installments: the pros and cons

Before applying for a loan and having a good rest, it is worth weighing all the pros and cons of this type of lending.

Advantages of holidays on credit or installments

The main advantage of rest on credit is that almost everyone can get it, in the shortest possible time. For registration, you can contact the bank and take a cash loan for vacation. What credit limit to issue, the borrower decides.

When contacting a travel company, you will need to choose a ticket and pay for it with the received credit funds. This is a great option that saves a lot of time. Everyone can buy any tour they like, even a hot ticket at an attractive price.

Holidays on credit are gaining momentum and becoming popular. Everyone who used a vacation on credit or by installments quite justifiably appreciated all its advantages.

It turns out that the advantages of rest on credit or installments are obvious: quick registration, good conditions, good mood, relaxation, a charge of vivacity and positive emotions. Many scientists have proven that a rested person is more productive.

Disadvantages of rest on credit or installments

Among the disadvantages, one can single out the risk. A vacationer can apply for a loan, purchase a ticket and not get on vacation due to illness, a visa was not provided, or they were not released from work.

In this case, of course, you can take out travel insurance, but some of the money will be lost. Therefore, before making a vacation on credit, it is necessary to carefully study the terms of the contract and calculate all possible risks.

Best Banks for Vacation Loans

If you didn’t manage to save up for a vacation in a year, then there is always the opportunity to contact the bank for help and take out a loan or credit card. It is worth noting the best banks for a vacation loan, which offer favorable conditions to their customers. Consider where to get a loan for vacation on favorable terms.

Renaissance Credit - money for vacation on the day of treatment

In "Renaissance Credit" you can get both a loan and a credit card. The Bank is ready to provide a loan to able-bodied citizens, aged 24 to 70 years, who live in the territory of the Russian Federation. For registration, you only need to provide a passport. And if the loan amount is more than 100 thousand rubles - a certificate of wages (2-NDFL) or a copy of the work book. Also, instead of these documents, you can provide a document confirming the right of ownership: Certificate of vehicle registration, ownership of the apartment.

On a loan, you can count on an interest rate from 13.9% to 27.3% per annum. The amount of the rate depends on the package of documents provided and on your credit history. If you urgently need to pay for a tour package on credit, then the Renaissance Credit offer is the most suitable.

OTP Bank - cash loan for vacation

OTP Bank offers everyone to get up to 750 thousand on credit, in just 15 minutes. The interest rate is set individually and starts from 14.9% per annum.

Only an employed citizen, aged 21 years or older, with at least 3 months of work experience, can receive a loan. Lending is carried out only with citizens of the Russian Federation.

If it is not possible to provide proof of employment, you can get a credit card at 27.9% per annum. To apply for a credit card, you only need a passport.

Credit card "Halva" for holidays in installments up to 12 months

In Sovcombank, you can get a Halva installment card with a credit limit of up to 350 thousand, which will allow you to buy tours, air tickets and other expenses in the bank's partner stores in installments up to 12 months.

If we consider the point of view of a card for vacation on credit, then it makes sense to order such a card. After receiving the card, you can pay for any tour on the TEZ TOUR partner website and get 12 months installment plan for this purchase. The fact is that now there is a promotion in the bank, according to which the installment plan is valid for the first purchase for a whole year. For example, having paid for a tour package for 50 thousand with the Halva card, you will need to pay 4 thousand every month. And all this without commissions and overpayments.

Ural Bank for Reconstruction and Development (UBRD)

UBRD offers individuals to use credit products on attractive terms. The bank's product line includes more than 10 different programs. It turns out that everyone will be able to choose the most profitable program for themselves.

When applying for a loan, the borrower can count on an interest rate of 13 to 20% per annum. The amount of the rate depends on the package of documents: passport, salary certificate and a copy of the work book. If you have all the documents, you can get a loan for a trip at the minimum rate.

On a card with a credit limit, the bank sets an interest rate of 27% per annum for those who can confirm income, and 32% for those borrowers who provided only a passport.

UBRD also provides a loan on favorable terms secured by personal property. To apply for a mortgage loan, you will need a passport and property documents. The interest rate is 18% per annum.

Tour on credit with a credit card Tinkoff ALL Airlines

In 2013, Tinkoff Credit Systems pleased its customers with a new ALL Airlines credit card, with the new PayPass technology. This card is designed for active travelers who often buy tickets and use the services of airlines. In a word, this is a credit card for holidays on good terms. The more the borrower uses the card, the more bonuses - miles, he gets.

Cardholders receive:

• Free travel insurance (if you have 1000 miles);
• Loan rate from 23.9 to 29.9% per annum;
• 55 days grace period;
• Possible limit up to 700 thousand rubles.

To obtain a card, you must leave an application on the official website. After the application is sent, the loan officer will contact the borrower and discuss the date of delivery of the card.

A credit card from Tinkoff is very popular, as evidenced by the numerous reviews of satisfied borrowers who like to relax abroad on credit.

Credit card Alfa-Bank 100 days grace period

For its customers who love to travel, Alfa Bank made a real gift and offered the best conditions for a card with a credit limit. Borrowers over the age of 18 who live in a city where there is a bank branch and have a permanent source of income can get a card.

To obtain a card, the bank asks for a passport, income statement and an additional personal document at its discretion: SNILS, foreign passport, compulsory medical insurance policy, driver's license or TIN.

Interest rate from 23.99% per annum. The credit limit on the card is not more than 600 thousand rubles. The card provides a grace period of 100 days, which is very beneficial. This is a great solution to a problem when you need money for a vacation urgently.

It turns out that a vacation on credit is a great opportunity to have a good rest and gain strength. It is not worth saving for a long time and waiting for the cherished vacation, when you can get a loan on favorable terms today and enjoy an unforgettable vacation.

The holiday season is in full swing and for many of our compatriots the question arises of choosing a vacation. Everyone wants to have a great time these long-awaited days and have a great rest from work that has been so boring for a year. At the same time, a situation often arises when the vacation time has already come, and there are no or not enough funds so necessary for its implementation.

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To date, this problem is being solved quite quickly and efficiently, since many credit organizations in Russia are engaged in providing loans for holidays. Sberbank of Russia did not stand aside and offers to issue a loan for vacation at a rate of 14.5%. This type of borrowing often refers to non-target types of lending - a loan is issued for the implementation of various consumer purposes of the borrower, including tourism plans. At the same time, there are a very limited number of special programs for providing funds exclusively for paying for vacations. In most cases, borrowers take out a standard consumer loan, the conditions for obtaining which are often more attractive and, therefore, profitable. In our article, we will consider a similar lending program for one of the largest Russian financial institutions - Sberbank.

We note right away that this bank does not have programs called "Credit at Sea" or similar ones that relate to targeted loans. For recreation, Sberbank of Russia offers a consumer loan without collateral or a consumer loan secured by individuals. This practice of many banks, because most often, it is easier to issue a consumer loan.

Poll: Are you satisfied with the quality of services provided by Sberbank in general?

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Loan conditions

Therefore, we will focus on obtaining a standard loan. It should be noted that today Sberbank is one of the top five leading credit institutions in Russia, offering various loans at the lowest interest rates. In addition, for regular customers there are special conditions for obtaining funds on credit. In particular, the so-called salary borrowers can count on a loan with a reduced interest rate. Employees of various organizations, which in turn are partners of this bank and have the appropriate accreditation, can also receive loans on preferential terms.

The maximum amount of borrowed funds provided in this financial institution is very large - the limit reaches 1.5 million rubles. Such money is quite enough to implement a wide variety of travel plans and travel not to one, but to several countries at once. If a small amount is required, then the presence of guarantors and security is not mandatory. If the borrower plans to take a large loan, then it will be necessary to provide collateral in the form of some liquid property, as well as reliable guarantors with a good credit history and a fairly high level of income. To apply for a loan, you will need a completely standard list of required documents: a Russian passport, a certificate of monthly income, and a document that confirms the presence of an official place of work. In some cases, Sberbank may require you to provide any additional documents, for example, a certificate of no criminal record.

Holiday loan features

• No fees
• Loan amount - from 15,000 to 1,500,000 rubles for "Consumer loan without collateral"
• and from 15,000 to 3,000,000 rubles for a “Consumer loan secured by individuals”2
• Loan term – from 3 to 60 months inclusive
• The term for consideration of the application is 2 working days from the date of submission of the full package of documents to the Bank

If, for example, 200 thousand rubles are needed to implement all the plans for a great vacation, then you can get a loan for 4 years, then the monthly payment will be about 5 thousand rubles. This is the most acceptable option, since this amount is enough for a trip, and besides, regular payments will be very modest, which in turn will not hit the family budget much. However, if the borrower receives the funds not in cash, but in the form of a credit card, then in this case, in addition to the monthly repayment of the loan, there are also various commission fees. For example, for cash withdrawals and credit card servicing. However, getting borrowed vacation funds in the form of a credit card is ideal, as the money will be safe and always at hand when you travel. Moreover, if the vacation is planned abroad, then it makes sense to issue a gold or platinum credit card, which have a number of advantages. In particular, premium class cardholders can count on getting good discounts when served by companies that are partners of Sberbank. In addition, these credit cards have a higher borrowing limit.

You can plan your annual vacation in advance by setting aside a certain amount each month. However, it is impossible to foresee all expenses - urgent repair of an apartment due to a negligent neighbor and a car in case of a breakdown, payment for treatment, wedding of relatives or friends, an increase in the cost of a planned tour, etc. As a result, the deferred amount may be significantly reduced. What to do if there is not enough money to travel on vacation and to purchase a tourist voucher? Use the bank service and take a loan for vacation.

A vacation loan is a special short-term program of targeted lending. To obtain a loan, you must provide a minimum number of documents confirming the solvency and identity of the borrower.

There are two types of holiday loans:

• Special partner lending programs for travel agencies with banks. The loan is issued directly from the travel operator in the office with the conclusion of the contract. The operator submits an application to the bank with which the partnership agreement has been concluded. Such a loan can also be issued for the missing amount when purchasing a tour.

• A targeted consumer loan for a trip is obtained from a bank. The borrower submits an application and a package of documents. In addition, you must submit an agreement with a travel agency for the purchase of a tour and an invoice for booking a tour with an indication of the cost.

These types of loans have a number of characteristic features:

• This is a targeted consumer travel loan that can be used exclusively for the purchase of a tourist voucher.

• The loan amount is limited to the cost of the tour, pocket expenses are not provided.

• The loan term is from 3 months to a year, depending on the cost of the tour and the availability of partnerships between the bank and the travel agency.

• The funds are transferred by the bank to the current account of the travel agency.

• The minimum term for consideration of an application for a loan is from 1 hour to a week. The decision is valid for 1-3 months.

• The borrower opens a bank account, in case of its absence, to which funds are subsequently deposited upon repayment with subsequent crediting to the loan account.

• A delay in the start of repayment of the loan for 2-3 months is provided, the period depends on the terms of the agreement. This is convenient, since many Russians have a regular vacation that exceeds 28 calendar days and, upon returning from a trip, they cannot immediately repay their vacation credit.

• The interest rate is from 11% to 26%, depending on the lending program and the bank. The most favorable rates are possible when providing a certificate of form 2-NDFL on income, the presence of collateral or guarantors and a bank account in this bank, a good credit history of the borrower, the reputation of a travel agency, etc.

• A prerequisite is the purchase of a voluntary life and health insurance policy for the borrower for an amount not less than the loaned.

When purchasing a ticket on credit, travel agencies provide a 3-10% discount, which is beneficial for the borrower.

Other types of loans to pay for a tourist voucher include the following:

• Credit card with a grace period. If you have a bank account, a positive cash flow and a good credit history, many banks (VTB 24, Sberbank, Promsvyazbank, etc.) offer their regular customers credit cards with an annual subscription fee. The grace period for lending varies from 45 days to 3 months, depending on the requirements and conditions established by the bank. However, at the end of the grace period and if the loan is not repaid, the interest for using the loan is impressive and amounts to 25% or more.

• Non-purpose consumer credit. This type of loan should be issued in advance, since the application consideration period can be from 3 days to 2 weeks. The interest rate depends on the conditions of the bank, the amount, the term of the loan, the documents provided on income, the borrower's credit history, etc. The received loan can be used not only to purchase a tour, but also to provide for other expenses necessary for the trip.

When planning to take a loan for a trip, you should carefully read the conditions for its provision in various banks. Some banks include in the loan amount a one-time commission for opening a loan account, provide for excessive penalties for early repayment and late payments, payment for services for maintaining a bank and loan account. You shouldn't be in a hurry to make a choice. The conditions of lending in one bank may differ significantly from the services offered by other lenders. Carefully calculate your vacation loan repayment costs before applying for a loan.

Want a simple test to see if you need a loan? Ask yourself if this is a matter of life and death. If you honestly answer: yes, then perhaps you need a loan. It's not certain, but there is a possibility. If no one is going to die tomorrow, if we are not talking about serious damage to your health, then you don’t fucking need a loan. None and never. For those who find it unbearable to travel to work by subway or stay without a seaside vacation for the second year in a row, I will talk about alternatives. You will be surprised, but they are.

I have never understood people who take loans, from the word at all. How many of you understand what a loan is, if in a very simple way? I'll give you a hint: this is the obligation of a person who has already made money problems to pay for some thing more than it's worth. Can you explain to me why this is beneficial? Why does the poor need to buy something at a high price, even if the rich can't afford it? I apologize in advance if I asked a very difficult question. I know from experience that if you earn little, then it’s hard for you to think.

When I say that it is categorically impossible to take loans, I, of course, do not mean large companies. They issue credit lines for very serious projects - there is no other way. And in general, business is not the topic of this blog, it's some other time, at the request of subscribers. Write, if anything. And now I'm talking about private individuals and I recommend considering all further text exclusively from this point of view.

Right now, this topic has arisen thanks to the posts of workers who traditionally whine that they want to go to the sea. This whining becomes especially loud and strong for those who have not earned from this sea. Of course, not through my own fault, but solely because of the crisis and unemployment in the region, I understand. Why are these posts being made? I will be frank, for some time I was in complete bewilderment, but then I saw the scheme.

It turned out that with just a couple of posts on his own page with views of the sea and unfunny jokes, a standard hamster pushes himself to incredibly decisive actions - namely, go to the bank and fall in love with a lot of money. After all, you deserve it, yes. A bank, by the way, is not the worst option, because there are also MFIs with rates of “only” 2% per day. Yes, it's 700% per annum. And for sure, this is exactly what you deserve, I will not object here.

And then, in the conditions of a falling tourist market, an even more funny thing can happen to you. You go to, and he will take it and go bankrupt. And you will have to quickly work off the debt that you yourself have wound up without a vacation.

I confess that I made up this story at first. But then I thought for a minute, googled - and guess what? And you know what excites me the most about her? People do not even understand what they personally have severely miscalculated. And if they don’t understand, it means that next time they will stupidly step on the same rake. And I would sympathize with them, but I don’t have enough sympathizers for all these hamsters, understand. I'm really pissed off listening to this kind of bullshit. And how I stuttered to explain to people that they need to learn the multiplication table, the alphabet and the basics of financial literacy. And then sometimes, at least sometimes, use the brain. Like what, all my life, you ask. I don't want to upset you, but yes.

To be clear: I am not calling on anyone to give up vacations, on the contrary. I regularly, how to rest properly (spoiler: qualitatively and regularly). And then, by the way, you will work much more efficiently and you will not have to borrow 150 thousand for two from anyone. After all, this is only 75 on the nose, this is not decisive money at all. I don't understand what these loans are about. Normal boys can collect this amount in July simply from the pockets of their winter clothes.

But good. Today, for a change, I decided to approach your suffering with understanding, and we agreed that there is a crisis in the country especially for you. Especially for you, everything is against you, so that it would be more convenient to whine. But even in this case, a vacation loan can easily be replaced with an interest-free installment plan. For example, if you have looked after yourself a vacation of thousands for 150-200, which can be difficult to pay one-time, you may well find an installment option through a travel agency.

Note that you draw up such an agreement together with a travel agency and, if you do everything right, you can simply not pay in case of bankruptcy or, at least, get good prospects in court. This is not the same as dealing directly with a bank that does not care who you gave money to and did not receive the desired service. And besides, it can be absolutely free loan. It is easy to guess that a travel agency, unlike a random bank where you take out a loan, benefits directly from your purchase.

And you pay 40 thousand for five months - much easier than laying out 200 mowers at a time and especially profitable compared to the scheme where you pay the bank 250 mowers instead of 200 borrowed.

Another good thing to take on vacation is a credit card. But not to take interest. It's just that today, on almost any card, it is possible to borrow from the bank from 30 to 50 pieces for free, if you meet the return in a month or two. And this scheme is ideal for cases when a hotel, for example, freezes the amount on your bill for accommodation.

What is the difference. If it's your debit card, you simply won't be able to use the money, and if it's free credit, you won't experience the slightest inconvenience. Yes, in order to get a credit card, you must first make sure that you are able to use your brain. What do you know how, for example, to carefully read the terms of use, that you do not accidentally run to withdraw money from this card at an ATM at an inadequate interest rate. The purpose of this rate, for reference, is not to fool you, but to prevent you from withdrawing cash - the bank does not give you money for this, it is not profitable for him. Normal people understand this and calmly use free money by bank transfer. And those who can't read then yell that they were cheated.

On this I suppose, everything is clear with the holidays. Let's go over quickly on other occasions to bring hard-earned money to the bank for a great life. Take, for example, a car. Let's say you're considering taking out a car loan. And why do you need it, if not a secret? Inflate a status that doesn't exist? Traveling across town to work two hours there and two hours back? Four hours of traffic jams a day, to hell with it, even if two hours, at a minimum, we multiply by 21 working days per month and we get a whole working week, 40 hours. How much money can you earn during this time? How much status can you earn? How many trainings to go through to learn how to do it?

My answer to this question is extremely simple: if you want to buy a car and an apartment on credit, rent a hut next to work instead and work. And it turns out that you do not need a car at all. Are you still too lazy to walk? Then think, if you do not have money for a car now, where will it come from in the future, when you pay for this car one and a half times more than it costs?

And if you can already afford an inexpensive Ford, but rolled your lip on a Ferrari, then imagine for a second what will happen to you when you break it or steal it. Imagine yourself with an unexpected heart attack in a hospital bed in all colors. And if this is your real goal, then such a result can be achieved much cheaper than a Ferrari is worth on credit. By the way, I basically trudge from people who buy exorbitantly expensive cars, whether on credit or not. These are extremely funny characters - with a hole in the ass, but with a Mercedes.

They feel like masters of the world, but before the first scratch. Any scratch, any controversial situation on the road turns the ruler of the world into a screeching piece of shit. Moreover, the hysterical state, into which any ruler of the world usually falls during absolutely any troubles with the car, cannot be controlled. This seizure in criminal law is called a state of passion and even mitigates responsibility for crimes. Although I personally do not understand why others should suffer from the fact that they met an epileptic rogue on the road.

Only loans for an apartment are even more senseless and merciless. I trudge from this desire to stubbornly, but to buy an apartment. The only answer to why a person needs this is "to have it, to have one's own." Do you feel any deep economic calculations under this? Maybe at least minimal logic? Personally, I don’t feel anything but unconscious fear accumulated by generations of people. Yes, once upon a time there was a hard time, people lived in barracks and dreamed of getting out of them.

Today, it is enough to invest a hundredth of the cost of an apartment in your education in order to reach a salary level in 2-3 years where you can easily and easily secure a rental property in the area and city that is right now convenient for you. And then, if it really sucks so much, just accumulate the necessary amount for ten years. Understand that even at the lowest mortgage rate, you will give exactly the same amount to the bank in 10 years. But you still have 20 years of payments ahead of you. And as a result, in 20-30 years you will pay the cost of three apartments for just one.

It remains to say about all the other loans. On TVs, laptops, kettles and fucking toasters. This, of course, is the terminal stage of the dominance of brainslugs. I can't imagine what I need to do in this life in order not to have money for the simplest household appliances. Although no, now I present. First you need to get a loan for a vacation, then take a car according to the same scheme and, in addition, get into a mortgage. Then for the rest of your life you will not have a free penny even for a cup of coffee and borrow kettles and irons.

Any such thing costs a couple of thousand rubles. When you take out a loan, you just double the price of each item, that's all. In terms of stupidity, I can compare this action with almost nothing. Realize that even people who show their bare asses to passers-by from the window look like emeritus professors of all known sciences compared to buyers of teapots on credit.

I will repeat again. A loan for anything means only that you buy a thing or service for 30-50% more than if you bought a little later, from the accumulated. When might it make sense, let's think? Do you have suitable examples and strong arguments? If yes, then welcome to surprise me in the comments.

Personally, I believe that there is only one exception: if, God forbid, you have serious health problems and you have already bypassed all your acquaintances, friends and relatives and you still do not have enough. This I can understand. But let's be honest - such situations, thank God, do not happen so often in life. In all other cases, loans simply cannot be profitable, ever. Unless, of course, you are the one who gives them out.

Velvet season is in full swing. Tired of the long winter, Russians are packing their bags, going to warm countries. Every vacationer wants to relax abroad in comfort, soak up the sandy beaches of Egypt, Turkey, Seychelles, but what if finances sing romances, and the accumulated funds are only enough for a trip to the grandmother in the village? In this case, you can take out a vacation loan. Relax today and pay tomorrow! What could be better? The product is in great demand and is in the line of almost every major bank.

What is a vacation loan?

Vacation credit is a targeted loan intended to pay for a trip/tour (flight, accommodation, meals, etc.) abroad.

Should you take out a vacation loan?

The main advantage of this loan is timeliness. Even if the vacation was not planned, you can get a loan from the bank in 30-60 minutes. In addition, there will be no need to limit yourself by setting aside significant amounts for a ticket. You can also afford to choose a more comfortable hotel, go on vacation not to the usual Turkey, but to Europe or Thailand.

However, experts argue on the topic of whether it is worth taking. Some argue that the person who applied for the loan will not have an emotional sense of satisfaction. Moreover, if there is a shortage of funds, then a vacation loan is not the best expense column. Especially given the crisis and massive layoffs.

Experts agree on only one thing - the ticket must be purchased at the expense of the vacationer, and for other expenses, you can issue a credit card with a grace period.

In addition, new debts have not yet made life more comfortable for anyone. It will take much longer to pay off the loan than the rest lasted. As a result, the total cost of the trip may exceed the estimate, prices may change at any time, and no one guarantees good weather and a safe environment. The quality of services may not meet your expectations, and you will have to pay the full cost of the loan. With such a pace, you can generally beat off the desire to rest.

At the same time, the intended use of the loan can be called a plus and a minus. Borrowed funds cannot be used for purposes other than those specified in the contract. And if you received the issued loan in cash, then in case of an unforeseen situation, the money can be returned to the bank by paying a small commission. But if the funds were sent directly to the tour operator and there is no travel insurance, then you can say goodbye to borrowed funds. Therefore, when choosing a tour operator, a bank for obtaining a vacation loan, carefully read all the conditions, clarify any nuances.

Amounts, terms, conditions

The average amount that is issued on credit for a vacation varies from 40 to 80 thousand per person. Loan terms rarely exceed 12 months. Interest rates on targeted loans are lower than on consumer loans. With a small average amount, you can get a loan in just 1-2 hours. To apply, you will need a passport and a second identity document (SNILS, TIN, driver's license, etc.). Of course, for express vacation loans, the interest rate will be slightly higher.

If you are going to the Seychelles, the Caribbean, decide to go on a tour of Europe, then the loan amount will be more, about 150-300 thousand rubles. To apply for a loan, one passport will not be enough. You will need a 2NDFL certificate of salary or a scanned copy of the work book, certified by the employer. As a rule, the terms for such amounts are also stretched up to 2-5 years.

It should be borne in mind that many travel agencies cooperate with banks and offer special loans on more favorable terms. Therefore, you can choose a vacation loan in several ways:

1. First, find a decent travel agency that can offer the tour you are interested in, and find out which banks it cooperates with
2. First, study the targeted offers of banks, and then choose a tour operator from among those that work with this credit institution

When calculating the required amount and monthly payment, do not forget about insurance. Perhaps this is the only type of loan where insurance is a really profitable investment. Especially insurance against accidents and illnesses while traveling (payment for medical services abroad, evacuation in case of emergency, etc.)

Vacation loan: choose between Renaissance Credit and SKB Bank

You can apply for a loan directly here to both of these banks:

Application for a cash loan at RenCredit

Online application to SKB Bank

SKB Bank does not have a special travel product, and the rate on a regular consumer loan is very high - 38% per annum. And the region of presence of the bank is small.