If you have savings, or can wait to save up for your trip, you’ll avoid paying any interest rates or fees that most traditional lenders charge on top of their loans. Paying outright for your holiday means you won’t be hit with any hidden extras. Credit cards are another option to consider as they usually come with consumer protection benefits, but beware of high interest charges. If you’re eligible, you might think about using a 0% interest credit card, but you should repay what you borrow as quickly as possible and within the 0% interest timeframe set by the lender.