More than 28 million Italians ready to leave for the 2026 summer holidays, despite an economic and geopolitical context characterized by strong uncertainty. In many cases, this choice is supported not only by the desire to escape, but also by the growing use of consumer credit: more and more families, in fact, are choosing to finance their holidays through personal loans.
According to Facile.it estimates, approximately 170 million euros in financing for holidays were disbursed in the first five months of 2026. A significant figure, although decreasing compared to the same period in 2025, when the volume exceeded 200 million euros. The decline reflects a general climate of caution, linked to various international and economic factors.
How much do you spend on a holiday
Among the main elements that influenced the choices of Italians this summer:
- the conflict in Iran and international geopolitical tensions;
- the general increase in the cost of living;
- concerns related to air travel, including the possibility of cancellations due to fuel shortages.
Despite these factors, the average cost of holidays remains high. According to a survey commissioned by Facile.it to the EMG institute, in 2026 Italians will spend an average of 939 euros each on transport and accommodation alone. A figure which, especially for families, significantly affects the monthly budget and makes the loan an increasingly widespread solution.
It is no coincidence that holiday financing now represents over 1% of total requests for personal loans in Italy, with a growth of 42% compared to 2019.
The identikit of the applicants
In the first months of 2026, those who requested a travel loan asked on average:
- 5,400 euros average amount;
- 50 monthly repayment installments;
- Approximately 132 euros as a monthly payment.
The age component is particularly significant: the average age of applicants drops to 38 years, well below the average 46 years of those requesting personal loans for other purposes. Driving this trend is above all the age group between 25 and 30 years old, which represents over 20% of demand. In many cases, these are loans linked to important events such as honeymoons or long-haul experiences.
From a gender point of view, 69% of requests are submitted by men, who request on average 5,626 euros, approximately 15% more than women. A difference that also reflects the gap in declared incomes. In particular:
- average income declared by men: 2,338 euros;
- difference compared to women: +36%.
We continue to travel despite the international situation
According to the experts at Facile.it, these data highlight a cultural change in the relationship with credit. The analysis explains:
If the loan was once seen as a solution to deal with otherwise unsustainable costs, today many consumers use it as a strategy to make certain expenses, for example a holiday, weigh as little as possible on the monthly budget and to avoid affecting their savings.
From these data it therefore emerges that the sector of tourism-related loans remains very lively. Despite global uncertainties and inflation, holidays remain a priority, even if you have to pay them in installments.
