Personal travel loan, as its name implies, is a loan for travel expenses issued by a lender to an applicant. Travel expenses refer to the total amount of travel expenses such as transportation expenses, accommodation expenses, tickets, services and related expenses involved in tourism projects handled by specialized tourism units and designated by lenders. Generally divided into overseas travel margin loans and tourism consumption loans. Among them, the overseas travel deposit loan is mainly used to pay the deposit paid to the travel agency for traveling abroad; Tourism consumption loans are mainly used to pay for material consumption, spiritual consumption and other related expenses from the time of applying for tourism to the end of the tourism process.