26 June 2020

In a world where everything has its price, your dream of travelling the world can seem far and out of reach. Especially when you have daily expenses to account for and pressing bills to pay. Travelling can be expensive. However, the experiences you gain and memories forged from travelling is oftentimes invaluable. Though travelling can be expensive, taking a personal loan in Singapore is a viable option, as it allows you to realise your dream vacation without having to use your savings for daily needs and emergencies.

Find out more about taking a personal loan in Singapore to fund your vacation here.

Now, all you need to worry about is deciding on your travel destination and how to travel smart!

10 Travelling Tips For Your Next Trip

Most people aren’t born savvy travellers. It’s something that comes with years of experience on the road.

For this reason, we’ve compiled in the article 10 travelling tips for you, whether you’re a traveller or an aspirant, to help you make the most out of your trip.

Infographic on 10 travelling tips for your next trip

One tip to travel smart is to budget your trip; if you’re taking a personal loan, you can borrow based on the budgeted amount.

1. Plan The Trip In Advance

The most important tip is also one of the most exciting steps — planning for your trip! This gives you the opportunity to learn about the destination, ranging from fun things to do and popular places to visit, to the yummy local food offered.

Find out when it’s the best time to visit your dream destination. For example, if you’re into nature, the best time to visit Japan would be in April when the cherry blossoms are blooming.

A simple Google search of travel itineraries, reviews, and “must not miss places” would also be really helpful. This gives you a rough idea of which attractions are worth your time, how much time you should spend there, as well as the things you could do.

Be sure to list down the places you’d like to visit in order to budget your time better and maximise your trip!

2. Budget Your Trip

Your dream vacation can be a significant expense, but the right budgeting techniques can give you peace of mind. The last thing you’d want is to end up with no money halfway in a foreign country.

So how much money would you need for your trip?

Your destination would, of course, play a huge part in your budget. You’ll need far less money to travel to Southeast Asian countries compared to New Zealand or European countries. 

You should also include these items in your budget:

  • Big-ticket items (e.g. air tickets and accommodation)
  • Transportation abroad (e.g. train tickets, car rental, fuel for car, bus fare)
  • Activities
  • Meals
  • Travel Insurance
  • Spending money (e.g. for gifts and souvenirs)
  • Emergency fund

This helps to prevent overspending. And if you’re considering taking a personal loan in Singapore to fund your vacation, you may borrow based on this budgeted amount.

Do take note, though, that you should only borrow what you need. Don’t take out the maximum amount that you’re eligible for just to splurge on luxuries.

Thinking of borrowing from a licensed money lender? Find out how much you can borrow here. 

3. Book Your Air Tickets And Accommodation Early

A plane on the horizon

You can get the cheapest deals by booking your flights early.

Big-ticket items like your flight and accommodation can easily exceed over half of your travel budget. Here are a few things to take note to get the cheapest flights and deals:

How to get the cheapest deals What to take note
Make all your bookings early Flights and accommodation are usually more expensive nearer to the date.
Be flexible with your dates Airfares and prices of accommodation vary depending on the time of the year and the day of the week.
Be flexible with the destination Sometimes a detour can save you hundreds of dollars. Fly somewhere nearby that’s cheaper to get to, e.g. to London Stansted instead of Heathrow.
Keep your eyes peeled for cheap deals and use Skyscanner or Google flights to look for the cheapest flights Sometimes you may find that budget airlines don’t offer the cheapest flights.

4. Exchange Local Currency Before Your Trip

Always use the local currency of the country you’re going to as you may not be able to find a money changer once you reach your destination. Besides, it’s much easier to visit a money changer in Singapore, and you may get better rates.

In addition, this helps you to avoid spending more as merchants impose high exchange rates when you make purchases with foreign currencies. Some merchants may also reject foreign currencies.

Lastly, carry some cash with you at all times as not all places accept credit card payments!

Got credit card debt? Find out how you can clear it with a personal loan. 

5. Get A Local SIM Card With WiFi

In the world of smartphones, you’d need an internet connection wherever you go.

Whether it’s to contact your Airbnb host, get transportation, use Google Translate, or to Google Map your way to that particular attraction or restaurant — it could be hard to travel without an internet connection these days!

Plus, having an internet connection allows you to stay in touch with your family and friends. Let them know your whereabouts and what you’re doing to ensure that someone knows where you are at all times.

6. Pack Light

You probably won’t need as much as you think.

It’s OK to reuse your clothing; you don’t have to pack every single outfit into your luggage. Why not pack pieces of clothing that can be worn for different occasions?

Rolling up your clothes can also save you lots of space. And remember to have with you your toiletries and first-aid kits.

Only pack your essentials and decide on what not to bring! The last thing you want is to be lugging a heavy suitcase and facing hefty fines for overweight luggage during check-in at the airport.

7. Learn Basic Words And Phrases Of The Local Language

Being able to speak common phrases of the country you’re travelling to like “hello”, “please”, “thank you”, and “I’m sorry” goes a long way. This is especially useful when you’re travelling to non-English-speaking countries like Japan and Korea.

Besides not risking letting yourself look like a fool, this helps to make your travelling easier and much more fun. Plus, language is a great way to experience a new culture and locals love to hear you speak their language!

8. Talk To The Locals

Don’t be shy. There’s no better way to learn about a country than to speak to its locals.

Ask them about places you should visit and restaurants you should eat at since some of these may not be found online. If you’re going to Europe, join some free walking tours run by locals to learn more about their history and culture.

While you’re at it, ask them for advice — this also helps you to avoid tourist traps!

9. Eat Street Food

Part of getting to know a new culture and experiencing it is to try eating different local food. Go to their local markets to learn more about the food in the area and be adventurous.

However, some food in foreign countries may be different from what you’re used to eating, so be sure to take precautions. Always carry with you activated charcoal pills, in case you get an upset stomach.

10. Be Vigilant

Keep an open mind when you’re travelling, but remember to be vigilant too!

When you’re out, don’t leave your belongings unattended. Also, keep your valuables out of sight to avoid pickpockets and snatch thieves.

Only take licensed taxis and transport services and don’t stay out too late by yourself.

Always be conscious of your surroundings, especially since the country you’re visiting may not be as safe as Singapore.

Why Take A Personal Loan In Singapore For Your Trip

Taking out a personal loan allows you to get more out of your trip, without being overly restricted to your savings.

This means that you wouldn’t have to put a strain on your finances and make drastic changes to your lifestyle just to afford travelling.

As long as you have evidence that you have a steady monthly income, you’re eligible for a personal loan in Singapore.

If you have an annual income of at least $20,000, you can borrow up to 6 times your monthly income from Crawfort to fund your trip fully.

As personal loans are unsecured loans, another benefit is that you won’t be required to provide any collateral that you might risk losing if you default on your loan.

You may also consider taking a personal loan in Singapore from licensed moneylenders. As compared to banks, they generally have a faster approval process.

Learn more about the difference between taking a personal loan from a licensed money lender and a bank here.

Remember to come up with a travel plan and budget accordingly for your next trip. This way, you can enjoy your holiday and eat good local food instead of instant noodles, while keeping a peace of mind.

If you’re looking for a personal loan in Singapore for your next holiday, Crawfort may be able to offer one that’s tailored to your needs. Apply now.

Hungry for More Articles?

Personal Loan
Ultimate Guide in Choosing the Best Personal Loan in Singapore (2020)

A few things that can help you reach your goals include having sufficient money and knowing how to budget wisely. And taking a personal loan in Singapore might just be something worth considering. Before diving into applying for a personal loan, let’s explore more about it, and whether or not it can cater to your […]

Blogs and Opinions
Ultimate Guide To Borrowing From Licensed Money Lenders In Singapore

Paying off bills and expenses without any assistance can be really challenging, especially when you’re living in one of the most expensive cities in the world — Singapore. Things like medical bills and wedding costs, for instance, can easily cost thousands of dollars in Singapore.  When there’s not enough money to pay off these expenses, […]

Media
The Entrepreneur 2019

Celebrates the achievements of 10 businessmen and women who prove to have what it takes to break boundaries and emerge as winners of Singapore’s Entrepreneur of the Year Awards (EYA).

Blogs and Opinions
3 Reasons Why You Should Never Borrow From A Loan Shark In Singapore

If you’ve ever found yourself in a tight financial spot and have considered borrowing from a loan shark in Singapore, think twice. There are many risks involved when you borrow money from an unlicensed money lender like a loan shark. This includes high processing fees and interest rates, and continuous harassment to you and your […]

Personal Loan
5 Tips For Short-Term Course Remote Learning And How A Personal Loan In Singapore Can Help

Maybe you’ve already been sitting on the idea of taking the plunge into the world of short-term courses. Whether it’s learning a new design software or discovering a different industry, short-term courses are all the rage for both working professionals and students alike to upgrade their skills. But maybe you’re hesitant because of many factors, […]

Personal Loan
What Are The Alternatives To Personal Loans In Singapore For The Unemployed?

When we need cash, some of us consider taking personal loans to get through the tough period. Unfortunately, it can be difficult to get a personal loan in Singapore when you’re unemployed.  Don’t worry, though. There are alternatives to personal loans in Singapore that you can take up, even if you’re unemployed. This article is […]

Blogs and Opinions
Credit Limit In Singapore: All You Need To Know About Increasing It

Are you cash strapped and in need of extra credit for your big-ticket purchases? Are you considering increasing the credit limit on your credit card or unsecured loan but aren’t sure how to? In this article, we will share with you everything you need to know about increasing your credit card limit in Singapore. We […]

Blogs and Opinions
7 Things You Should Know About Loan Sharks In Singapore

Commonly known as “ah longs” in Singapore or unlicensed moneylenders, a loan shark is a person or entity that lends fast and easy money at sky-high interest rates. These interest rates are typically far above any established legal rates.  They are infamous for their harassment tactics and threats of violence as a means of forcing […]

Blogs and Opinions
All You Need To Know About Credit Counselling In Singapore

Not many Singaporeans know about credit counselling. Mention “credit counselling” to people, and you’re more likely to be met with blank stares. Explain that it’s about discussing debt management with a financial counsellor, and they might reel away in shock. The topic on debts is often so private that most people shy away from the […]

Blogs and Opinions
How To Deal With Loan Sharks In Singapore: 5 Things You Can Do

With the reputation that loan sharks in Singapore have, most of us wouldn’t want to deal with them in the first place.   But perhaps desperate times have called for desperate measures. You needed money during a time when no bank or financial institution was willing to offer you a loan. With limited options to finance […]

Personal Loan
Loan Scams – Do Not Be A Victim

Loan scams are on the rise now. Please stay vigilant and beware of scammers who may approach you with attractive loan offers through calls, SMSes or any other media forms. Don’t be impulsive and fall into their traps. Learn to differentiate between a licensed and unlicensed money lender in Singapore. Crawfort Finance will only advertise […]

Blogs and Opinions
What Happens When You File For Bankruptcy In Singapore?

From January 2020 to May 2020, there have been 1,481 applications for bankruptcy in Singapore and 404 orders made — a significant number considering the short 5 months span.  Bankruptcy, in short, is when you owe more than you can afford to pay. There are also a number of technicalities involved. Filing for bankruptcy in […]

Blogs and Opinions
3 Alternatives To Filing For Bankruptcy In Singapore

Filing for bankruptcy in Singapore can stir up feelings of stress, anxiety, depression, and failure. Let’s face it, the process of filing for bankruptcy is also a tedious affair combined with the social stigma that comes with it. So before you decide to file for bankruptcy, why not consider other alternatives that are more desirable […]

Blogs and Opinions
How Does Credit Counselling And Debt Management Programme Work?

Have you ever found yourself struggling in debt, with no one to turn to, and all hope seems lost? In those situations, where can you get help? Well, there’s an answer for that: credit counselling. It’s alright if you don’t really know what it is. Not many Singaporeans are familiar with the concept of credit […]

Personal Loan
How To Clear Credit Card Debt With A Personal Loan In Singapore

Credit cards have a lot of benefits. Not only do they boost your spending power, but they’re also very convenient since you don’t need to keep drawing and carrying cash. However, for the convenience they offer, you run the risk of incurring high interest and accumulating debt quickly. What should you do when you find […]

Blogs and Opinions
Personal Loan In Singapore: What’s A Debt Consolidation Plan?

With the lure of credit cards and their rewards (think airmiles, cashback, free luggage), many Singaporeans end up with large credit card debt. Swiping the card is so easy and convenient, that many fall into the endless debt trap. If you find yourself struggling to make timely credit card and personal loan repayments in Singapore, […]

Personal Loan
Financing Options For Your Home Renovation: Personal Loans In Singapore, Renovation Loans And More

Just collected the keys to your new house? Buying a house is most likely the largest purchase in your life. After getting the keys, you’ll want to renovate it to make it your dream home. But before you can renovate it, you’ll need to ensure that you have enough money for it. In this article, […]

Personal Loan
The 2 Types Of Personal Loans In Singapore To Consolidate Your Debt 

Besides being symbolic of financial independence and adulting, owning a credit card is a great way to earn rewards and cashback on your spending as long as you pay your bills dutifully every month. But what if you’re unable to pay your bills on time? With sky-high interest rates and a few late payment fees, […]

Blogs and Opinions
Should You Take A Personal Loan In Singapore For Your Wedding?

Most of us dream of having the perfect wedding with our significant other. We want to make the day perfect to celebrate our love for our partner with our family and friends. However, planning a wedding can be stressful. Not only do you have to decide on the location, settle the most minute details, and […]

Blogs and Opinions
When Should You Consider Taking A Personal Loan Over A Renovation Loan In Singapore?

Now that you’ve collected the keys to your new home and browsed countless web pages for decor inspiration, it’s time for the next step. Imagine, after a long day at work, going back to a home that’s furnished and personalised just the way you like it. Isn’t that exciting? That is until you realise the […]

Personal Loan
Should You Take A Personal Loan In Singapore For Your Vacation?

Have you been toying with the idea of taking a good break for a while? And when we mean a break, we mean a good, quality break that’s going to give you a good reset. Maybe it’s been something on your mind for a while now but you haven’t gotten around to it because it’s […]

Personal Loan
Why You Should Upgrade Your Skills And How A Personal Loan In Singapore Can Help You With That

According to Robert Kiyosaki, a successful businessman and author of Rich Dad Poor Dad, continuous learning is the key to getting rich. If you want to be successful in life, you need to have the right attitude, the right mentality, and seek continuous learning. Even after graduating, you should continue to upgrade your skills, which […]

Personal Loan
3 Ways To Reduce Your Wedding Costs And How Getting A Personal Loan In Singapore Can Help

Your wedding day is undoubtedly one of the most important days of your life. If you’ve been saving diligently after meeting “the one”, kudos for planning in advance! However, it may be the case that your savings still aren’t enough to cover the costs of your dream wedding.  To help you along on your journey, […]

Personal Loan
Renovation Loan Vs Personal Loan In Singapore For Home Renovation: What’s The Difference?

The priciest thing you can buy in Singapore is probably your home. Even if you don’t mind a rugged aesthetic, minimalistic, or industrial look, basic renovation is still necessary for installation of electrical endpoints, tilework, paintwork, and so on.  If you’ve done the maths, you’ll realise that renovations can cost an arm and leg. However, […]

Personal Loan
Personal Loan In Singapore: How Can It Help With Wedding Expenses?

Your wedding day is probably the most significant milestone as a couple. It’s a momentous and joyous occasion, where family and friends come together to celebrate the love and union between the two of you. How would taking out a personal loan in Singapore come into the picture? Well, every couple dreams of having that […]

Personal Loan
2 Types Of Personal Loans In Singapore To Consider In Times of Emergency

It’s always good when we receive a heads up before something happens, so that we can prepare for it.  But that doesn’t happen all the time. You can never predict when something unexpected crops up, and when you need extra cash urgently. In such times, a personal loan can be a viable option.  Types Of […]

Personal Loan
How Personal Loans In Singapore Can Be Useful For Grab And Taxi Drivers

The past few months have been difficult for many people in various industries. Most businesses, especially in the service industry, have been badly affected by the COVID-19 social distancing measures. Taking a personal loan in Singapore is one option to get through this tough time.  Ever since the outbreak began, less people have been going […]

Personal Loan
When Should You Take Out A Personal Loan In Singapore To Upgrade Your Skills?

We’re often told to continuously upgrade our skills because we need to stay relevant in times of changing needs. And one way to do that is through taking up courses. Plus, doing so can be helpful when we choose to switch careers. But taking up courses in Singapore can be quite expensive. For instance, a […]

Blogs and Opinions
8 Reasons Why You Have Low Credit Score In Singapore

Looking to purchase a home, car, or paying for that dream wedding? High costs of living in Singapore can make that hard to achieve. In fact, taking on loans to make those dreams a reality is not uncommon. Before applying for a loan, you should look at a few key considerations banks and financial institutions […]

Blogs and Opinions
7 Things You Didn’t Know About Licensed Money Lenders In Singapore

Getting married, buying a home, or furthering your studies are major milestones in life. And these milestones usually come at a hefty price. Remaining debt-free becomes increasingly difficult as you move up the different stages of life; the last thing you want is to be trapped in a financial emergency. Turning to loved ones or […]

Blogs and Opinions
Licensed Money Lender In Singapore: How Much You Can Borrow And What You Must Note

The cost of living is high in Singapore. There are times where we inevitably run into money problems and need cash to tide over difficult periods. For some, it could be money needed to last until their next payday, more money for their wedding, home renovation, or for a financial emergency. According to the Credit […]

Personal Loan
Secured Vs Unsecured Personal Loan In Singapore: Which To Choose?

If you’re facing some kind of financial difficulty, getting a personal loan in Singapore could help improve your situation. Whether you choose to borrow from a bank or a licensed money lender in Singapore, you have a decision to make: you’ll need to decide whether to take a secured loan or an unsecured loan. But […]

Blogs and Opinions
Licensed Money Lenders In Singapore: What Are Your Options If You Can’t Repay Your Loan?

Some of us encounter financial difficulties at different junctures in life. In such situations, borrowing from lenders like banks or licensed money lenders in Singapore would be among the available options to help get you back on your feet. Whether you borrow from a bank or licensed money lender, you’re of course obligated to make […]

Blogs and Opinions
4 Things To Consider When Borrowing From A Licensed Money Lender In Singapore

Whether it’s taking out a loan to renovate your brand new home or financing an unexpected medical emergency, there may come a time when you need some financial assistance. Taking out a personal loan to fund such expenses is a common option.  As a borrower, you’re usually faced with 2 main options: a bank or […]

Company News
Leveraging On Digitalisation To Simplify Loan Application

Singapore — (19 May 2020) — Staying ahead of the digital economy, we at Crawfort, the consumer loan subsidiary of Capital C Corporation, have incorporated digitalisation strategy to introduce a new loan platform with an improved user interface and experience on our website, alongside a new brand name and logo. In line with our goal […]

Personal Loan
5 Reasons Why Your Personal Loan Application In Singapore Was Rejected

Perhaps it’s a time right now when you require extra financial support for your needs—for an emergency, for a dream vacation for you and your partner, or even for a plan to move forward and venture out of your comfort zone. However good your reasons may be, you may have faced problems having your personal […]

Personal Loan
Are You Eligible For A Personal Loan In Singapore?

When we’re short on cash, most of us will consider borrowing from friends and family members. However, if you don’t want to trouble them, how about taking a personal loan instead? A personal loan is a lump sum of money borrowed from a bank or licensed money lender. You’ll need to pay it back over […]

Blogs and Opinions
5 Ways To Improve Your Credit Score At The Credit Bureau Singapore

Ever wondered what affects your loan applications? Or why some of your credit card applications were rejected?  It’s likely because of your credit score. A bad credit score can affect your applications for personal loans and credit cards. But what’s a credit score? How do you check it, and how can you improve your credit […]

Blogs and Opinions
6 Things A Licensed Money Lender In Singapore Can’t Do When Collecting Debts

Getting a loan from a money lender in Singapore might be nerve wracking for some. When most think of money lending, they think of a pig’s head hanging by their door or that ‘O$P$’ red paint on the corridor.  However, loan sharks and licensed money lenders in Singapore operate very differently.  Let us look at […]

Blogs and Opinions
Licensed Vs Unlicensed Money Lender In Singapore: What’s The Difference?

Life can get pretty unpredictable. Sometimes, you might find yourself in need of quick cash, but your savings is not enough. You may have thought about taking up a loan from the bank, but what if you can’t get across the red tape? The paperwork, the waiting period, and the anxiety of not knowing whether […]

Blogs and Opinions
Borrowing From A Licensed Money Lender In Singapore Vs A Pawnshop: What’s The Difference?

Something sudden happens and you find yourself in urgent need of cash. You might be considering borrowing from the bank, but they might take a long time to approve your loan. So, you start looking for alternatives to get a fast loan in Singapore. When it comes to getting quick cash, 2 options come to […]

Personal Loan
6 Reasons Why You May Need A Personal Loan In Singapore

Have you ever found yourself stuck against a wall financially? When you have so many bills to pay, then suddenly, you or someone you know gets into an accident or gets sick. You are then overwhelmed with bills and the debt you need to pay, and the money you’ve saved or earned just isn’t enough […]

Personal Loan
4 Types Of Personal Loan In Singapore You Should Know

It is tough sometimes when we land ourselves in unexpected situations that require immediate financial assistance, such as medical emergencies or investment opportunities. At times like this, taking out a personal loan in Singapore could be a viable option to ease your financial burden.  A personal loan is a type of unsecured loan that does […]

Personal Loan
Personal Loans In Singapore: What To Consider When Applying

Personal loans can seem like a mystery. What are they? When should you take them? How do you go about applying for personal loans in Singapore? A personal loan is a lump sum of money borrowed from a bank or licensed money lender, which you have to pay back in instalments (fixed payments) over a […]

Personal Loan
How To Get A Personal Loan In Singapore Even With A Bad Credit Score

Whether it’s to buy a first home or pay for education, most of us probably need to take a loan at least once in our life. However, not all loan applications can turn out successful. If you’ve applied for a personal loan in Singapore before but it got rejected, it could be due to your […]

Personal Loan
An Essential Guide To Personal Loan In Singapore: What It Is And How To Apply

Whether you need a helping hand to achieve a resolution you’ve set for the year, or you’re in urgent need of money, getting a personal loan in Singapore may come in handy.  But before you apply for a personal loan in Singapore, here are some important things that you need to know. What Is A […]

Blogs and Opinions
Licensed Money Lender in Singapore Vs Bank: Key Differences

Getting married and buying a home are some of the most significant milestones and expenses you’ll incur when adulting. The last thing you want is to be strapped for cash. When that happens, most people think of borrowing money to tide them through the rough patch. You’re usually faced with two choices – should I […]

Personal Loan
Top 5 Personal Loan in Singapore Myths Busted

It’s pretty common to take up a car loan and/or a housing loan, especially since it’s costly to own a car and a home in Singapore. But when it comes to taking a personal loan in Singapore, it’s usually perceived as the result of poor financial management.  Depending on the circumstances, taking a personal loan […]

Company News
Advisory on COVID-2019

In light of the COVID-19 situation, Crawfort Singapore has stepped up and implemented additional precautionary measures at our outlet.

Media
单枪匹马赴菲“拓荒”寻商机

一般人对菲律宾的印象,总停留在治安欠佳和交通拥堵。然而,不能忽视的是,菲律宾有上亿人口,而近年经济增长也保持强劲,可谓商机处处。Crawfort正是看到了这个商机,希望能够为那些懂得数据科技,却无法充分从传统金融机构获取服务的消费者提供服务。

Company News
Crawfort Is Awarded
ISO 9001 : 2015

Crawfort is proud to be awarded the TUV ISO 9001 mark of quality, and will continue to provide excellent quality of services.

Media
10 Business Leaders Recognised As Entrepreneur Of The Year

From training aspiring pilots to lending money, 10 local entrepreneurs received the Entrepreneur of the Year Award (EYA) 2019.

Media
The Breakfast Huddle

Find out how we can help F&B SMEs scale their businesses.

Media
CEO Conversation: Transforming Into A Digital Financial Services Provider

Find out how our Group is leveraging technology to serve underbanked customers in the region.

Media
The Case For Alternative Lending

In the last decade, we have witnessed rapid growth in the alternative lending space, with the creation of new business models opening up the range of alternative lending products available.

Media
How Fintech Is Driving Innovative Lending?

In Singapore, SMEs account for around two-thirds of the workforce and a large chunk of GDP growth. And if these firms can’t get funding, their failure to thrive has a dampening effect on the larger economy.

Company News
Crawfort Joins Singapore’s Fastest Growing Businesses

Crawfort rewrites the rules when it comes to moneylending solutions.

Media
Crawfort: Breaking Stereotypes Through Innovation

Innovative business Crawfort is rewriting the rules when it comes to moneylending solutions

8 Minutes is All You Need

Get Your Loan
Approved by
Tomorrow