Plan your next vacation with easy payments through Citizens Pay

Dreaming up a much-needed vacation can be almost as fun as taking it. You scroll through breathtaking photos of your ideal destination. You read reviews of unique excursions. And you plot nonstop with your fellow travelers about what you'll do when you're there.

But sizing up your vacation against a limited budget? Not quite so fun. After all, the average American spends around $2,000 for a summer vacation. That cost could easily torpedo a typical household's monthly budget.

Vacation payment plans can bridge the gap between your travel dreams and your financial reality. They let you take the stress out of paying all your costs upfront so you can focus on the excitement of the trip.

The pitfalls of traditional travel planning

Sometimes you've just got to get out of town. Maybe you're beyond ready for a break, you promised your family a vacation or you need to travel to support a loved one in need.

Planning your journey starts with tallying the cost. You've got big-ticket items like lodging, transportation and food. Then, extra charges inevitably crop up, like fees for parking, checked baggage, taxes, insurance, hotel WiFi and tips.

If you have the means and the time, you may be able to save all the money you need in advance. But amassing that sum before your trip may not be an option. People often turn to credit cards, cash advances and loans to cover the difference.

But another method has become popular.

Financing travel with payment plans

If you're looking to make up a cash shortfall for a trip, consider a payment plan through a financing solution like Citizens Pay.

Citizens Pay offers a different kind of shop now, pay-over-time lending option. A loan gives you one-time access to a fixed amount of cash, but Citizens Pay provides a revolving line of credit. You can use borrowed funds to cover multiple transactions at the same merchant—without having to reapply for credit—as long as your account is active.

Instead of paying the full cost of a certain vacation expense upfront, once approved you can charge it to your line credit line. Love your purchase? Buy it again with the same open line of credit. Your credit application will determine your personalized credit limit and the term, which is typically 18 to 36 months. Citizens Pay gives you a flexible, clear and manageable monthly installment plan.

With this approach, your vacation expenses don't have to overwhelm your budget. Smaller payments over time may fit better in your spending plan, and you can spread out your travel costs instead of taking a big financial hit.

Here's how Citizens Pay works for you

Let's say a fun-filled family reunion is ahead, only this year you’ll have to fly to get there. The unexpected location change pushes your budget a little too much, but you know you can’t disappoint the fam, especially Aunt Sharon. Don’t fret about the full upfront cost of the flight and turn to Citizens Pay.

With partners like ASAP Tickets, not only can you save on your flights, you can book on the spot and pay over time. After a fantastic reunion, Aunt Sharon is happy, the whole family is happy, and you come home especially happy knowing your budget is still intact for all the fun things ahead. You can then log in to the Citizens Pay app, review what you charged to your credit line and plan to make payments, affordably.

Without the benefit of a pay-over-time financing option, you might have faced some tough choices. You could have felt pressured to use a high-interest credit card that ended up costing you more in the long run. Or you could have scrambled with the fam to replan—or decided not to go.

Flexible financing with Citizens Pay gives you another option. By using a single line of credit for a few key transactions at the same merchant, you can make payments until your trip expenses are paid—all while enjoying the memories of that hilarious family game night or the connections you made with long-lost cousins.

Are you ready for your next adventure?

You don't have to choose between your day-to-day expenses and that trip you've been eyeing. If you need flexible financing to cover costs, consider a pay-over-time option like Citizens Pay.

When buying from an eligible merchant, simply select Citizens Pay as your payment method. Complete the application, approve your payment terms and start packing.

Visit the Citizens Pay site to manage your account and download the app.