Consumer credit is consolidating itself as a strategic tool for financing tourism, even suffering the impacts of a complex geopolitical and economic scenario. Estimates from a survey by Facile.it — based on a sample of more than 400,000 applications — indicate that around €170 million in personal travel loans were granted between January and May 2026.
This figure represents a decrease compared to the same period of the previous year, when such financing exceeded €200 million. The decline is due to changes in the international scenario (tensions in Iran, rising cost of living and uncertainties about air transport), factors that have led many Italians to opt for short-haul destinations.
Despite the year-on-year decline in total volumes, the share of personal travel loans has grown by 42% since 2019, now accounting for more than 1% of all loan applications. The significant impact of travel spending on household budgets is confirmed by another study commissioned from the EMG institute; The study revealed that the projected average per capita spending for the 2026 summer holidays — considering only transportation and accommodation — is €939.
Order profile data reveals a clear business landscape for the travel industry:
Average loan amount and payment plan: The average amount requested is €5,400, structured in a payment plan of 50 monthly instalments of €132.
The average age of borrowers has fallen to 38 (compared to the average of 46 years observed for loans in general). More than 20% of demand is concentrated in the 25 to 30 age group — a segment in which taking out credit is often associated with honeymoon financing.
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