Personal loan
A flexible loan with no proof-of-use required, to finance your life projects.
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Travel loan — no proof of purpose
To go away,
To go away,
without having to explain.
From €1,500 to €25,000, over 12 to 60 months. Fixed APR from 4.20%, with no origination fees.
4.20 %
Min. fixed APR
€0
Origination fees
14 d
Legal cooling-off
Travel loan simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
Apply now
Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Fixed APR over 60 months
Monthly payment set in the offer, identical through to the final instalment.
No origination fees
No application fees. No upfront fees.
Decision within 2 hours
Preliminary decision within 2 business hours, Monday to Friday.
Early repayment
Up to €10,000 repaid per year with no penalty.
Detailed terms
Free travel,
Free travel,
known cost.
- Minimum amount€1,500
- Maximum amount€25,000
- Minimum term12 months
- Maximum term60 months
- Proof of purposeNot required
- Origination fees€0
- Borrower insuranceOptional
- Disbursement of fundsWithin 8 days after cooling-off period
- Early repaymentNo penalty up to €10,000 / year
- GuaranteeCalp surety
Indicative fixed APR scale
Excluding optional insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €1,500 — €3,000 | 12 months | 4.90% |
| €3,000 — €6,000 | 24 months | 4.60% |
| €6,000 — €10,000 | 36 months | 4.30% |
| €10,000 — €15,000 | 48 months | 4.20% |
| €15,000 — €20,000 | 48 months | 4.20% |
| €20,000 — €25,000 | 60 months | 4.40% |
Representative example: for a travel loan of €8,000 over 36 months at a fixed APR of 4.30%, you repay 36 monthly payments of €237.42. Total cost of credit: €547.
Why choose Calp for your travel loan
Four reasons to fund your trip with Calp
Funding a trip on credit must remain a reasoned choice. Calp offers a short, capped, fixed-rate travel loan with one priority: repay before the next trip. No long commitment, no after-return surprises.
Term capped at 48 months
Calp travel loan is capped at 48 months term and EUR 20,000 amount. This limit is intentional: a trip should not be repaid longer than a reasonable life cycle, or you risk accumulating successive travel loans.
Seasonal payment adjustment
Monthly payment adjustable up during your high earnings season (bonus, 13th month, freelance) and down during quieter periods. Modulation possible twice a year within 30%.
Cancellation insurance available
Travel and cancellation insurance available as option, included in the monthly payment. Covers cancellation for medical reason or major unforeseen, and triggers a deferment or penalty-free early repayment.
No contractual allocation
Although presented as a travel loan, it is an unrestricted personal loan: you use funds freely without booking proof or invoice. This leaves you full freedom to book your trip yourself, step by step, without provider constraint.
Eligibility criteria
Who can apply for a Calp travel loan?
The Calp travel loan is open to adults residing in Europe with regular income. It is a short, reasonable credit designed for occasional use: we refuse successive applications that chain without repaying the previous loan.
- Age at subscription18 to 75
- ResidenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,300 / month
- Employment statusPermanent, civil servant, self-employed, retired
- Max debt-to-income ratio30% after operation
- Active travel loanNone ongoing with Calp
Documents to submit with your application
PDF upload from your application area. Decision within 2 business hours, funds released within 8 days after withdrawal period.
-
Valid ID
ID card or passport for EU nationals. Residence permit valid for at least 12 months for non-EU nationals. Information readability automatically checked. -
Proof of address less than 3 months old
Energy, landline or internet bill, rent receipt from professional landlord, or current tax notice. -
Last three pay slips
Consecutive pay slips in official PDF format. Self-employed: last two balance sheets. Retirees: pension notice. Freelancers: micro-entrepreneur declaration for the last 12 months. -
Last three months of bank statements
Statements of the main account receiving income. Used to verify absence of chronic overdraft and stability of disposable income after fixed expenses. -
IBAN for the disbursement account
IBAN of the account receiving the funds. Account in the borrower's name, opened in a bank in the European Economic Area.
Typical use cases
What is the Calp travel loan used for?
The Calp travel loan funds medium-scale mobility projects designed as occasional events, not as a lifestyle. Below are the four most frequent uses observed in 2025.
Honeymoon or significant anniversary
Couple trip for wedding, silver anniversary or retirement. Distant destination, high-end accommodation, often booked a year ahead. 38% of files. Average amount EUR 8,400, term 36 months.
Long-duration family trip
Family trip of 2 to 4 weeks during school holidays, intercontinental destination, accommodation and flights for 4 to 5 people. 28% of files. Average amount EUR 6,200, term 30 months.
World tour or sabbatical trip
Long-duration trip (3 to 12 months) during a sabbatical leave, between two jobs, gap year. Complements prior savings and starter cash flow. 22% of files. Average amount EUR 14,000, term 48 months.
Reunion or pilgrimage trip
Trip to family abroad after several years without visit, religious pilgrimage, reunion of dispersed friends. 12% of files. Average amount EUR 4,500, term 24 months.
Frequently asked questions
Your questions, our answers.
01
Do I need to provide a travel agency quote?
No. No proof of purpose is required. You organise the trip freely.
02
Does the loan cover travel insurance?
Yes, ancillary expenses (cancellation insurance, equipment) can be financed within the same envelope.
03
Can I repay before departure?
Yes, full or partial early repayment is available at any time, with no penalty up to €10,000 / year.
04
Which kind of trip is it for?
Any trip: holidays, honeymoon, world tour, long stay. No destination restriction.
05
Is a travel loan a good financial idea?
It depends on the amount and term. For a EUR 4,000 trip repaid in 24 months at Calp fixed APR, total interest cost is around EUR 250, or 6% of the trip. Calp considers this cost reasonable for an important occasional event. Conversely, funding a trip on credit over 48 months when another is planned in 12 months leads to over-indebtedness.
06
Must I provide a travel booking to subscribe?
No. The Calp travel loan is an unrestricted personal loan: no booking, no invoice, no proof of use of funds is required. You are free to book your trip yourself, step by step, or to change your plans after disbursement.
07
Can I include travel and cancellation insurance?
Yes, as an option. Calp offers travel and cancellation insurance integrated into the monthly payment, covering cancellation for medical reason, interruption for major cause (relative's death, home disaster) and medical repatriation. In case of full cancellation, the insurance triggers penalty-free early repayment of the loan.
A planned departure,
a budget intact.
No proof of purpose, no forced account transfer, no compulsory insurance.
