Whether you're planning a tropical escape, a family road trip, or a once-in-a-lifetime overseas adventure, our Vacation Loan can help you get there—without putting your plans on hold.
Loan Features
- Borrow anywhere from $1,000 to $30,000
- Enjoy flexible repayment terms tailored to your budget
- Rates as low as 8.99% APR with our member loyalty discount
- No collateral required – it's your adventure, your way
*Annual Percentage Rate. Rates effective as of April 16, 2025, and subject to change without notice. Member loyalty Discount of 0.50% APR requires maintaining direct deposit to a Cobalt checking or savings account. Loyalty discount is only available on new money new loans. Existing personal loans must refinance with a minimum of $1,000 added to the loan in order to qualify for the loyalty discount. Current rates range from 8.99% APR to 17.75% APR before loyalty discount and are based on creditworthiness and the loan term. The minimum loan amount is $100 and the maximum is $30,000. Loan terms available up to 60 months. No prepayment penalty. Payment example: The monthly payment, without debt protection, for $10,000 at a 36-month term with a 9.74% APR, is approximately $341.93. All loans are subject to approval.
