Prêt vacances : peut-on se servir d’un prêt personnel pour les financer ?

Un prêt de vacances est tout simplement un autre nom pour un prêt personnel. Les prêts personnels sont généralement des prêts non garantis que les particuliers peuvent utiliser à diverses fins, notamment les voyages, la consolidation de dettes, les mariages, les travaux d’amélioration de l’habitat ou les frais médicaux. Bien que des prêts personnels soient parfois nécessaires, nous ne recommandons pas aux particuliers de contracter un emprunt pour payer leurs frais de voyage. Les vacances sont une dépense de luxe qui devrait être payée en espèces.

Qu’est-ce qu’un prêt vacances?

Un prêt vacances est simplement un prêt personnel. Les prêteurs peuvent annoncer des prêts de vacances, mais ils fonctionnent de la même manière qu’un prêt personnel. En règle générale, vous pouvez emprunter jusqu’à 40 000 € pour un prêt personnel avec un taux de pourcentage annuel (APR) compris entre 5% et 36%. Les prêts personnels sont généralement proposés en un à sept ans avec des paiements mensuels fixes (ils sont des prêts amortis).

La plupart des prêts personnels ne sont pas garantis, ce qui signifie que vous n’avez pas besoin de constituer une garantie pour obtenir le prêt. La seule exception à cette règle est si votre pointage de crédit est très faible. Certains prêteurs vous autoriseront à demander un prêt personnel auprès d’un cosignataire ou d’un co-demandeur.

Comment obtenir un prêt vacances ?

Vous pouvez obtenir un prêt vacances auprès d’une banque, d’une caisse populaire ou d’un prêteur en ligne proposant des prêts personnels. Les prêteurs ont généralement peu de restrictions sur la manière d’utiliser un prêt personnel (des exceptions notables concernent des objectifs éducatifs ou professionnels). Vous devriez donc pouvoir utiliser un prêt pour votre voyage. Les taux d’intérêt des prêts de vacances sont basés sur votre solvabilité et votre ratio d’endettement. Bien que les taux puissent commencer à 5%, notre recherche a révélé que même les emprunteurs bénéficiant d’un excellent crédit et d’une dette peu élevée ne peuvent prétendre à un taux aussi bas que 10%. Par exemple, un emprunteur bénéficiant d’un bon crédit peut recevoir un TAP de 10,5% sur un prêt de 5 000 € sur trois ans, moyennant un versement mensuel de 162,51 €.

Les prêteurs en ligne, en particulier, peuvent également vous demander votre historique d’emploi et d’éducation au cours du processus de candidature. Ils peuvent vous demander de renseigner des informations relatives à votre plus haut niveau d’études, à votre diplôme et à votre majeure, au titre actuel du poste, aux titres précédents et au salaire. Vous pouvez également être invité à fournir les informations de contact de votre employeur et des références. Les prêteurs examinent ces informations pour renforcer votre demande, surtout si vous avez des antécédents de crédit maigres.

Si vous obtenez un prêt de vacances?

Prendre un prêt vacances, c’est aussi être obligé de payer mensuellement pour les années à venir. Même dans notre exemple ci-dessus, un prêt de 5 000 € sur trois ans assorti d’un TAP de 10,5% signifierait un versement mensuel de 160 € sur trois ans. Voulez-vous vraiment payer ce montant pour les trois prochaines années de votre vie? Probablement pas. Contrairement à certaines formes de dette nécessaires ou acceptables (comme une hypothèque), un voyage est un produit de luxe qui ne devrait pas être financé par un prêt.

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