Government and Military Travel Loans FAQs

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I want to help everyone understand exactly what United Military Travel does because I get a lot of questions about how travel loans work and who qualifies.    

Military and Government Travel Loans FAQs

Q. Who does United Military Travel offer financing for?

A. United Military Travel offers 100% travel financing for all active duty and career retired military members. United Military Travel also offers travel loans for Federal Government employees.

Q. Do reservists qualify for an online military travel loan?

A. We generally approve all active duty and retired military members for our online travel loans. We are able to grant a travel loan approval for a reservist if you have activation paperwork, providing proof that you will be active duty for longer than one year.

Q. Can I use my loan approval for a military dependant?

A. You may use your military or government travel loan approval to purchase travel for a dependant, family member, or friend. It is important that you’re aware that you will be solely responsible for paying back the military loan and not the traveler.

Q. I’m active duty military but I have poor credit history – will I still get approved?

A. United Military Travel gets 98% of our applicants approved with no money down! Bad credit is ok! United Military Travel works with a number of different lenders to ensure that we have a lender that meets your needs and can get your loan approved easily! Since most of our applicants are active duty military members, we are able to approve the loan based on the time in service and a monthly payment that fits nicely into your budget. We understand that people go through financial hardships and we work with the best military lenders in the industry to ensure that we can get you approved quickly. United Military Travel can get your online travel loan approved by submitting an application through our website by clicking here or by calling us toll free at 866-582-9579.

Q. Can I pay my military or government travel loan off early?

A. United Military Travel is very selective in choosing our military finance companies. All of our military lenders allow you to pay your loan off early without incurring any penalties or fees. In fact, the lenders will refund the remaining interest that you saved yourself from by paying it off early. United Military Travel likes to keep your payments low & affordable, while allowing you to have the ability to pay your loan off early. Apply for your quick and easy travel loan by clicking here or call us toll free at 86-582-9579 and one of our friendly travel account consultants will assist you!

Q. Are there any penalties or fees for paying my loan off early?

A. United Military Travel has selected the most recognized military loan lenders in the industry. All of our military lenders allow you to pay your loan off early without incurring any penalties or fees, in fact they will refund the remaining interest that you saved yourself from by paying it off early.

Q. When is my first payment due for my travel loan?

A. The first payment due date varies on the military lender that is used to finance your loan. Most of our clients prefer to set military allotments as the method of repayment on their military loan. Mypay will notify you when the allotment will reflect in your pay. All of our lenders are fully aware of mypay and that your first payment may not post until the following month. Your account consultant can tell you the first payment date associated with your loan at the time of the sale. If you’re planning on setting an allotment, Mypay will notify you of the date the allotment will reflect your pay.

Q. When will I receive my order?

A. Once you have signed your electronic documents for your travel loan, we will process your paperwork. It can take up to two business days before you receive your electronic tickets or reservations. We are able to expedite your travel loan process and push your tickets through booking and purchasing. There is a fee to expedite your order, but United Military Travel can complete your loan and reservation in as little as one hour! If you financed any travel accessories or small electronics, they can take between 3-10 business days to arrive to your address. We have the ability to overnight some of our electronics and travel accessories.

Q. What name brand electronics does United Military Travel offer financing for?

A. United Military Travel carries the most respected brands of electronics, which can be rolled directly in to your online travel loan. Some of the name brands we offer electronic financing for include the following: Apple, Sony, Hp, Compaq, Toshiba, Samsung, Amazon Kindle, Kodak, Nikon, Panasonic, & much more.

Q. Can I use my travel loan approval for the purchase of electronics only?

A. Yes, you can use your entire loan approval for the purchase of electronics. There is still no down payment required for your electronics loan.

Q. How long does until I get an answer on my application from United Military Travel?

A. United Military Travel can get your online military loan application approved in as little as one minute. We strive to have your loan complete in the same day! We can have your buy now pay later order complete in as little as one hour! We strive to be the quickest online military loan company on the market. Apply now or call us toll free at 866-582-9579 and one of our friendly travel account consultants will help get your online military loan complete today!

Q. Why do you need a copy of my LES or paycheck stub?

A. United Military Travel works with the best military lenders to get your loan approved with no down payment! We can get almost everyone approved as long as you have sufficient time remaining in the service. Our military lenders base the approval on your rank, ETS/EAS date, and making sure your low payment fits nicely in your budget. Since our lenders primarily base the approval of your loan on your rank and ETS date, they require proof that all of the information you provided on your online military loan application is correct. To finalize the approval and quickly complete your reservations, the lender does request a copy of your end of month LES to verify all of the information submitted on your military loan application.

Q. Where do I send a copy of my most recent end of month LES?

A. The easiest way to send us a copy of your most recent end of month les to travel@unitedmilitarytravel.comor by faxing a copy of your LES to 252-633-3504. Here are some easy steps to follow, which will allow you to upload the LES to an email without needing a printer or fax:

1. Log into www.mypay.gov

2. Select leave and earning statement

3. Select your most recent end of month LES.

4. Once your most recent end of month LES is on the screen go to file and select “Save As”.

5. Save the LES to your desktop of your computer and name it your last name and the word LES.

6. Open your email and compose a new email message.

7. Address the email to travel@unitedmilitarytravel.com

8. Make the subject line: “your name LES”

9. Click “add attachment”

10. Select the file from your desktop and attach the LES to your message. If you have any allotments on your LES, be sure to explain, who they pay to and the balance of those accounts in the body of your email message.

11. Hit send and call us at 866-582-9579 to have us book the trip you deserve! United Military Travel is the pioneer of “book now pay later travel!”

Q. How does United Military Travel keeps its military travel loans so much lower than it's competitors?

A. United Military Travel operates under a different business plan than most of the Military & Federal Travel loan companies. Instead of charging outrageous prices, we offer a lower fare and lower booking fees than most companies. We prefer to gain loyal customer than a bunch of money at one time. We know that our military members protect our country everyday and although we are a for-profit company, we prefer to make our profits fairly. Instead of having high overhead with constant advertisement, we are able to cut that expense and have returning customers who refer their friends/family. United Military Travel is able to refinance your previous military travel loan and add on a new trip for little or no change to your monthly allotment. Most of our customers are return customers and send all their friends to us! They also get a $100 credit towards their next purchase using our referral program.

Q. How do I take advantage of United Military Travel's cheapest military travel loan guarantee?

A. Give us a call at 866-582-9579 to get a quote or fill out an easy military travel loan application by clicking here. Tell one of our friendly travel account consultants about your trip and get a quote. We guarantee our prices are lower than any military travel loan company out there. If you have been shopping around for a military travel loan and you have a current quote from the same day, then United Military Travel guarantees to have a 20% cheaper price for the same fare. We are proud to say "United Military Travel has never had to use the cheapest military loan price match guarantee!" UNITED MILITARY TRAVEL IS ALWAYS THE CHEAPEST MILITARY TRAVEL LOAN OPTION!

Q. What happens if the price increases during the process of my loan?

A. Once you have completed your easy military travel loan packet we are responsible to pay for the ticket. You will not have to pay for an increase in fare. The minute you sign our easy travel loan documents your fare is locked in at the cheapest price! United Military Travel’s military and government ticket financing program makes sure that you don’t have to worry about the cost of your airfare increasing…Once you sign your documents the price is set!