Tours in installments - is it worth taking and where is it better?

How is the booking of a tour in installments carried out?

It is not always possible to plan your vacation in advance. Especially if they unexpectedly moved the vacation to an early stage. Or tours have risen sharply and you can't fit into the budget. Again in the village on the beds to sunbathe? Well…

There is an answer to such force majeure: a voucher in installments or a paylate service, as it is convenient for anyone. First, you relax somewhere in the sun under the sound of the surf, and then about the money, the main thing - on time, so that overpayment is not threatened. How to do everything right - below.

How is the booking of a tour in installments carried out? Usually the plan is:

• Choosing a voucher
• We study the terms of the installment plan and, if everything suits us, place an order, fill out a questionnaire, and confirm our identity
• Within 1 working day, the application is considered, and after approval, a reservation is automatically made for the tour
• A few days before departure, all the necessary documents come to your personal account
• Enjoy your vacation
• And only now we pay for the ticket

P.S. the last two points can be reversed if the departure according to the calendar is much farther than the application for the installment plan.

It is important to understand that the installment plan is not a yoke of debt in the form of a loan. Whoever took the technique under the same conditions (yes, the analogy to the place), he knows. The differences are visible to the naked eye:

1) installment plan for tours is provided from 15 to 120 days

2) the overpayment on the loan will be 0% and really, so!

3) no early repayment fees

And only if you do not meet the deadline, you will have to pay off the loan at interest (spelled out in the contract) for up to a year. The entire price of the tour is paid by the lender initially, that is, you can buy a tour (say, to Turkey) in installments without a down payment.

And the loan is returned in several ways:

• through the Russian Post office (with a printed receipt)
• via online transfer between banks
• in payment terminals QIWI (commission)
• through the accounting department of the employing company - convenient, however

Best online services

And all this can be done without leaving your home! How to find the most profitable tour.
All it takes is:

- place an order on the online voucher aggregator

• Travelata
• Level Travel
• or Onlinetours

They compare offers from all leading tour operators, incl. such as Biblio Globus or Anex Tour. Convenient, fast and huge scope for searching.

- do not forget to put a tick in front of the "Paylate" payment method after you have chosen the tour. The service will help you buy online any product / service using a loan or installment plan without the participation of a bank and an initial payment

- register directly in the service, fill out a questionnaire

- and confirm the purchase by SMS

Application for buying a tour by installments

Installment for tours from Level Travel

Now about profitable paylates without a bank for specific aggregators. What are the conditions for installment plans for tours without interest set by Level.Travel in 2021?

• The maximum cost of the voucher is 250,000 rubles
• Grace period (interest-free) - 30 days
• Grace period (5.26% of the tour) - 120 days
• Maximum loan term - 12 months
• Did you miss a month's deadline? The rest is repaid as a loan from 1.9%

How to buy a tour in installments online at Level.Travel?

✓ Choose a resort / dates / number of vacationers, delve into the filters if desired
✓ Compare tour prices and conditions
✓ Go to the reservation: leave the data of the foreigner, click on the payment type "0% installment plan". You can use promotional codes 🙂
✓ In a new window, fill out a questionnaire, attach a short selfie video to it for identification
✓ We receive a confirmation code and voila (!) - our tour

Installment for tours from Onlinetours

The Onlinetours service lags a little behind, it does not provide installments in the full sense of the word. But here's what he has to offer:

• When booking, you can pay 50% of the tour price, and the rest of the amount - within the next three days.

Installment for tours from Travelata

And what are the terms of the installment plan for the Travelata and Paylate tandem for holidays abroad or at their native resorts?

• Amount of the amount - from 3,000 to 250,000 rubles
• No overpayment period - 30 days
• Maximum loan term - 12 months
• Interest rate (after grace period): 1.9 to 3.9% per month

To arrange a tour in installments, you just need to choose a tour package (based on price-quality-wishes), fill out the paylate form, confirm the request by SMS and answer the call of the company's manager to clarify the details of the booking.

What do you need to buy a tour by installments?

Each tour operator (or service) has its own requirements for the borrower. But, if your choice fell on a Paylate partner, the general ones include the following:

• Age limit - from 18 to 65
• Having a Russian passport
• Permanent registration in the Russian Federation
• The presence of a permanent source of income (and experience of at least 3-4 months)
• Purposeful use of loan funds
• Clean credit history (no delinquencies and heaps of additional loans)

Meet all the criteria ↑? Then there is nothing to worry about, the installment plan will most likely approve you.

Is it realistic to buy without overpayments?

Once again, we note that an installment voucher is not a loan. There are no commissions, interest on purchases, and the price of the tour is constant and under no circumstances will be able to jump. Of course, if you pay the cost of the tour within the agreed period of time and on time (which does not exceed 120 days).

Should you take out a loan for your vacation? Reviews

There are both positive and negative reviews about the chip "rest now, pay later" (aka a tour in installments). And the Internet and forums (just google it!) Are full of comments on this topic.

It is easier for someone to pay off a debt when, willy-nilly, you find the opportunity and the means, than to put aside a certain amount in a coffee jar every month. Someone is afraid of the word "installment plan" like fire, and his credo is to live within one's means. And the other was "unlucky." Delayed with payments, and even initially, according to the clauses of the agreement, he raced across Europe at a gallop ...

But the obvious advantage of a tour in installments is that for the sake of economy, you can not give up a five-star hotel or an all-inclusive vacation. Do you know for sure that the money will come in a week or three? Then why not? 🙂

In what cases is it better to take an installment plan?

When is the best time to use the paylate service? In our opinion, the game is worth the candle if:

• you have no free money, but there is a cool last minute tour. And soon, with a probability of 100 and 1%, the piggy bank / card / account will be replenished with a tidy sum
• a more profitable voucher is unlikely to appear later, and there is a little shortage of the full amount here and now. This is the most excellent option 🙂

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