Relocating to a new country is exciting—but it’s also expensive. From paying for visa applications and flight tickets to booking accommodation and getting health insurance, the costs can quickly add up.
If you’re from Africa, Asia, or even parts of Europe, and you’re planning to migrate abroad for a better life, work opportunities, or education, travel loans could be your solution.
This page is your all-in-one guide to:
- The best travel loan apps in your region
- What kinds of expenses travel loans can cover
- How to apply—even if you don’t have a strong credit history
- Who is eligible and how to improve your chances of approval
- A downloadable checklist to help you prepare
- A country-by-country loan comparison table
🌍 Who Needs a Travel Loan?
Travel loans are ideal for:
- 🧳 Migrants relocating for work (with or without sponsorship)
- 🎓 Students pursuing degrees abroad
- 👨👩👧 Families joining relatives overseas
- 🚀 Job seekers moving to Europe, Canada, the UK, Gulf, or the U.S.
- 💼 Skilled and unskilled workers starting a new life abroad
💡 What Can Travel Loans Pay For?
Whether you’re moving from Lagos to London or from Delhi to Dubai, a travel loan can help cover:
- ✈️ Flights (one-way or roundtrip)
- 🛂 Visa application fees (work, student, PR, etc.)
- 📄 Proof of funds for visa approval
- 🏨 Initial accommodation or deposits
- 🧾 Health/travel insurance (mandatory in most countries)
- 🏢 Relocation expenses, airport pickup, job agent fees
- 💻 Even language test or credential evaluation fees
📱 Best Travel Loan Apps & Platforms (2025)
🇳🇬 Africa (Nigeria, Ghana, Kenya, South Africa & Others)
- Carbon (Nigeria) – Instant personal loans, good for small travel budgets
- FairMoney – Up to ₦1,000,000 for international travel expenses
- Migo / Branch / Renmoney – Short-term funding for proof of funds or visa fees
- Capitec Bank (South Africa) – Personal travel loan options with low interes
🌍 Best Travel Loan Apps & Platforms (2025) – Africa
Looking to migrate from Africa to Europe, Canada, the UK, or the Gulf? These travel loan apps and platforms can help cover your visa fees, flights, proof of funds, and more.
- 🇳🇬 Nigeria: FairMoney, Carbon, Branch, Renmoney, Palmcredit
- 🇬🇭 Ghana: Fido Loans, MTN QwikLoan, Carbon (expanded), Zidisha
- 🇰🇪 Kenya: Tala, Branch, Zenka, M-Shwari, Saida
- 🇿🇦 South Africa: Capitec Bank, Wonga, FNB Personal Loans, FinChoice
- 🇺🇬 Uganda: Airtel Wewole, MTN MoKash, Branch
- 🇿🇲 Zambia: MTN Momo Loans, Zamcash, ExpressCredit
- 🇹🇿 Tanzania: Branch, NALA, HaloPesa Loans
- 🇷🇼 Rwanda: Branch, Airtel Money Loans, Bank of Kigali Loans
- 🇨🇲 Cameroon: Express Union, MoMo Kash, Orange Money Loans
- 🇪🇬 Egypt: Fawry Microfinance, Aman Loans, Contact Credit
- 🇲🇦 Morocco: Wafacash, BMCE Bank Travel Loans, CIH Bank
- 🇹🇳 Tunisia: Attijari Bank, Banque Zitouna, Enda Tamweel
- 🇩🇿 Algeria: Banque Nationale d’Algérie, CPA, CNEP-Banque
💡 Tip: Most platforms require an active bank account or mobile money wallet. Apply early, compare interest rates, and always state the purpose of the loan clearly (e.g., visa fees or relocation costs).
🇮🇳 Asia (India, Pakistan, Philippines & Others)
- PaySense – Up to ₹5 lakh for relocation, visa, and tuition
- KreditBee – Quick disbursement for travel needs
- Zolve – Built for Indians migrating to the USA (credit + loan + insurance)
- Digido (Philippines) – Short-term loans, good for Schengen visa costs
🌏 Best Travel Loan Apps & Platforms (2025) – Asia & Arab Countries
Planning to migrate for work, study, or family reunification from Asia or the Middle East? These loan apps and financial platforms support travel, visa, and relocation funding.
- 🇮🇳 India: KreditBee, PaySense, Zolve, Bajaj Finserv, Tata Capital
- 🇵🇰 Pakistan: Finja, Tez Financials, Nayapay, Apni Dunya
- 🇧🇩 Bangladesh: bKash via City Bank, Nagad Credit, BRAC Microfinance
- 🇵🇭 Philippines: Digido, Tala, Cashalo, JuanHand, Home Credit
- 🇮🇩 Indonesia: Akulaku, Kredit Pintar, Tunaiku, Kredivo
- 🇱🇰 Sri Lanka: Dialog Finance, NDB Bank, Seylan Bank
- 🇳🇵 Nepal: Global IME Bank, eSewa, NIC Asia Bank
- 🇻🇳 Vietnam: FE Credit, TPBank, MoMo, Tima
- 🇲🇾 Malaysia: Maybank, AEON Credit, Bank Islam, Bank Rakyat
- 🇸🇦 Saudi Arabia: Al Rajhi Bank, STC Pay Loans, Riyad Bank
- 🇦🇪 United Arab Emirates: Emirates NBD, Mashreq Neo Loans, ADCB
- 🇶🇦 Qatar: QNB, Doha Bank, Commercial Bank of Qatar
- 🇰🇼 Kuwait: Kuwait Finance House, Gulf Bank, NBK Personal Loans
- 🇴🇲 Oman: Bank Muscat, Oman Arab Bank, NBO
- 🇧🇭 Bahrain: Al Baraka Bank, Ahli United Bank, BisB
- 🇱🇧 Lebanon: Bank Audi, Fransabank, BLOM Bank
- 🇯🇴 Jordan: Arab Bank, Housing Bank, Cairo Amman Bank
- 🇮🇶 Iraq: Trade Bank of Iraq, Rafidain Bank, Zain Cash Loans
- 🇪🇭 Western Sahara (Moroccan-controlled): Use Moroccan loan apps: CIH Bank, Wafacash
- 🇾🇪 Yemen: Al-Kuraimi Islamic Bank, CAC Bank (limited availability)
- 🇸🇾 Syria: Bank of Syria and Overseas, QNB Syria
💡 Tip: Choose digital-first banks or fintech platforms for faster disbursement. Be prepared to show your visa application, travel plan, or job offer when applying.
🇪🇺 Europe (Eastern & Southern Europe & Others)
- Ferratum (EU) – Fast personal loans for EU citizens
- Revolut Loans – For EU-based migrants relocating abroad
- Wise & N26 – Paired with remittance and travel financial tools
- Bank Personal Loans – Country-specific options with migration proof
🌍 Best Travel Loan Apps & Platforms (2025) – Europe
If you’re residing in Europe and need financial support for visa fees, international relocation, or family reunification, these banks and fintech apps offer travel and personal loans with quick processing and migrant-friendly terms.
- 🇬🇧 United Kingdom: Zopa, Monzo Loans, NatWest, Barclays, Tesco Bank
- 🇩🇪 Germany: Auxmoney, N26 Credit, ING Germany, Deutsche Bank Loans
- 🇫🇷 France: Younited Credit, BNP Paribas, Société Générale, Hello Bank
- 🇪🇸 Spain: BBVA Loans, CaixaBank, Cofidis Spain, Creditea
- 🇮🇹 Italy: Findomestic, Compass Bank, BNL Loans, Credem
- 🇳🇱 Netherlands: ABN AMRO, Rabobank, ING Netherlands
- 🇸🇪 Sweden: Nordea, SEB, Advisa, Lendo Sweden
- 🇳🇴 Norway: Bank Norwegian, Instabank, yA Bank
- 🇫🇮 Finland: OP Financial Group, Nordea Finland, Ferratum
- 🇩🇰 Denmark: Resurs Bank, Bank Norwegian DK, Santander DK
- 🇵🇱 Poland: Aasa, Alior Bank, mBank, Santander Poland
- 🇨🇿 Czech Republic: Home Credit CZ, Česká Spořitelna, Komerční banka
- 🇷🇴 Romania: Banca Transilvania, Cetelem, ING Romania
- 🇭🇺 Hungary: CIB Bank, Budapest Bank, OTP Bank
- 🇬🇷 Greece: Eurobank, Alpha Bank, Viva Wallet
- 🇧🇪 Belgium: KBC, BNP Paribas Fortis, Beobank
- 🇵🇹 Portugal: Credibom, Banco CTT, Millennium BCP
- 🇧🇬 Bulgaria: UniCredit Bulbank, Easy Credit, TBI Bank
- 🇭🇷 Croatia: Zagrebačka banka, Erste Bank, Raiffeisenbank
- 🇸🇰 Slovakia: VÚB Banka, Slovenská Sporiteľňa, Poštová banka
- 🇱🇹 Lithuania: Mokilizingas, Inbank, Bigbank
- 🇱🇻 Latvia: 4finance, Bigbank Latvia, Citadele Bank
- 🇪🇪 Estonia: Inbank, LHV Pank, Bigbank Estonia
- 🇨🇭 Switzerland: Cembra Money Bank, Credit Suisse, UBS
- 🇦🇹 Austria: Erste Bank, BAWAG P.S.K., Santander Austria
- 🇲🇹 Malta: BOV Loans, APS Bank, MeDirect
- 🇨🇾 Cyprus: Hellenic Bank, Bank of Cyprus, Alpha Bank Cyprus
- 🇮🇸 Iceland: Landsbankinn, Arion Bank, Íslandsbanki
📌 Tip: Many lenders in Europe offer 0% interest promos for the first few months or require a local residence permit. Always check if non-EU citizens are eligible before applying.
📊 Travel Loan Comparison Table (By Region)
| Region | App/Provider | Loan Range | Disbursement | Use Case |
|---|---|---|---|---|
| Nigeria | FairMoney | ₦10,000–₦1M | Instant | Visa, proof of funds, flights |
| India | KreditBee | ₹1K – ₹3L | 10 mins | Student & worker migration |
| South Africa | Capitec Bank | R4,000–R250K | 1–3 days | All travel purposes |
| Philippines | Digido | ₱1K – ₱25K | Same day | Flight + visa |
| Europe | Ferratum | €500–€10,000 | 24–48 hrs | EU migrants & students |
| USA | SoFi / Upstart | $5K–$50K | 1–3 days | Work visa + PR relocation |
🌐 Travel Loan Comparison Table (By Region) – 2025
| Region | Top Providers | Loan Type | Typical Amount | Eligibility |
|---|---|---|---|---|
| Africa | FairMoney, Carbon, Renmoney, Migo | Instant Loan, Travel Loan | $300 – $3,000 | Valid ID, income proof or travel doc |
| Asia | KreditBee, Zolve, Tala, Akulaku | Student, Migration, Personal Loan | $500 – $5,000 | Local bank account, ID, KYC |
| Middle East | Al Rajhi Bank, Mashreq, QNB | Travel & Relocation Loans | $1,000 – $10,000 | Salary slip, expat ID, visa application |
| Europe | Zopa, BNP Paribas, Santander, N26 | Personal & Travel Loans | $2,000 – $15,000 | Residence permit or EU ID, stable income |
| North America (for ref.) | SoFi, LendingClub, Upstart | Migration & Visa Loans | $3,000 – $25,000 | US-based address, bank credit history |
📝 Disclaimer: Loan limits and terms may vary by provider and applicant profile. Always compare APR, repayment period, and approval time.
🧾 How to Apply for a Travel Loan (Anywhere in the World)
- Estimate your migration cost (visa, ticket, accommodation, insurance, etc.)
- Choose a suitable lender/app available in your country
- Check basic eligibility: ID, income source, repayment ability
- Apply online and upload required documents
- Wait for approval (can take minutes to a few days)
- Receive funds and use them for your planned migration
- Repay monthly, ideally set up automatic deductions
📌 Eligibility Tips & Tricks
- Maintain a good bank statement or mobile money history
- Mention the purpose clearly (job, study, relocation)
- Keep a low debt-to-income ratio
- Choose smaller loan amounts for faster approval
- Consider co-signers or guarantors if you’re new to borrowing
📥 Free Resource: Travel Loan Application Checklist
Download our free checklist to help you prepare your documents, compare lenders, and plan your repayment before applying.
✅ Click here to download the checklist (PDF)
📌 Final Note
Migration is a powerful step—but it shouldn’t be blocked by money. Whether you’re in Lagos, Nairobi, Mumbai, Manila, or Warsaw, you can take the next step toward your dream life abroad with the right financial support.
Travel loans can be the bridge that gets you from “not ready” to “I’m on my way.”
Always compare, borrow wisely, and plan your repayments.
📌 Need Help Choosing a Travel Loan?
Contact us for custom loan recommendations based on your country and travel goals.
| Provider | Country | Disbursement Time | Loan Range | Interest Rate |
|---|---|---|---|---|
| SoFi | USA | 1–3 Days | $5K – $100K | From 7.99% |
| KreditBee | India | 10 Minutes | ₹1K – ₹3L | 13–29% |
| Zolve | India to USA | Same Day | Custom | 0–24% |
| Opploans | USA | 1 Day | $500–$4K | Higher |