Travel loan is simply a type of Unsecured Personal Loan that is intended for travel purposes.

Go Zayaan is Bangladesh’s largest Online Travel Company which is trying to provide all the travel related services in one platform.

IPDC EZ is a consumer financing service. With IPDC EZ, customers can make their desired purchase from renowned shops/platforms and pay later in affordable monthly installments spread up to 18 months.

Eligibility criteria is given below:

• Must have a valid NID.
• Must be a salaried Person.
• Monthly Net Salary must be BDT 30,000 or more.
• Must have a valid salary account.

The Maximum amount is BDT 200,000 as a travel loan.

Please visit the following link Travel Loan . You need to fill out some basic information in the application form. You also need to upload the following documents:

• Both sides of NID
• Both sides of Office ID/ Visiting Card
• Pay Slip/ Salary Statement (Must be printed in letterhead of your Organization)
• Bank Statement (if required)
• Passport size photo of yourself

Once your application is done, save it. Now it’s subject to approval. You will receive an Email once the loan is approved.

You are now ready to purchase travel products like flight, hotel and tour packages. Go Zayaan will reach out to you to assist on your purchase. While purchasing the products you must submit the following documents:

• Sign on the printed application form
• One security cheque of loan amount
• One signed debit instruction form

Flight tickets, Hotel bookings and Tour packages can be availed with Travel Loan amount.

No, only one can be availed at a time. Your purchase will be done manually with the assistance of our dedicated corporate team.

Multiple loans can be availed against one person.

It will depend on IPDC. But the total loan amount won't cross BDT 200,000.

Yes, this is an EMI. However, you will not be needing a Credit Card. For Go Zayaan Products, you can now avail travel loan and pay later in EMIs.

If applied correctly, it takes maximum three working days to get the loan approved.

Yes. For each purchase, customer must make a down-payment to Go Zayaan. Down-payment will be determined by IPDC Finance. However, you may choose to make a higher payment then the Down-payment decided by IPDC Finance. Down-payment must be made at the time of availing the product. Down-payment may vary based on customer profile, EMI tenure etc.

Down-payment is only to be made at the time of purchasing. You need not make any Down-payment for loan application unless you make any transaction.

No. This is an unsecured loan. Hence, it doesn't require any collateral.

No. You do not require a guarantor. However, you will require two references for availing the loan. The purpose of the reference is simply to verify the information you have provided. Unlike guarantor, the referee is not obliged to repay someone else’s loan.

You will be required to give two references. One professional and one personal.Your professional reference must be your payroll manager or HR manager. Your personal reference can be anyone you know (e.g. friends, spouse, parent, cousin etc.)

The Travel Loan will be valid for 3 months from the approval date.

Customer will be notified through email and phone call.

Your payment due date is 10th day of each month. You can give an auto debit instruction from a valid bank account of yours where IPDC will deduct your dues each month or you can make monthly bKash payment to IPDC.

No. There is no hidden charge. There is no processing fee or CIB fee.

No. There is no early settlement fee imposed if the loan to be closed before the scheduled term.

Yes. You will be charged 2% per annum on daily basis on the due amount as late payment fee.

As per policy, these information are crucial for IPDC to provide loan. You are assured that your information will be kept confidential.

Please contact our customer experience team at +88 09678 332211.

No, the working experience will be counted based on your total servicing period.

Loan amount will be calculated after deducting the down-payment from your purchased amount. You must repay the loan amount in equal monthly installments to IPDC Finance.

Your credit limit depends on many factors i.e. your monthly salary, your profession, other loans you have taken, your repayment behavior. Based on these factors, IPDC finance will set your limit for travel loan.

Loan request can be rejected for many reasons. Most common reasons are:

• Doesn't meet Eligibility Criteria: You must meet the eligibility criteria.
• Bad credit: IPDC will look at your borrowing history, when you apply for a loan. A solid history of borrowing and repaying loans is required to get the loan approved. You might have defaulted on loans in the past.
• Not enough income: IPDC Finance wants to see that you’re able to make the monthly payments before they approve your loan. There is an assessment, how much you earn each month to how much you spend on debt repayment. If it doesn’t look like you’ll be able to afford the new debt, they might reject your application.

Our corporate team will contact you. They will come to your office or your convenient place to complete the purchase process. In case of delay, you may inform our customer experience team for faster support.

Yes you can. Extra charges might be applicable according to Go Zayaan’s date change policy.

Yes, you will. According to the following scenarios
Scenario one:
If the customer’s refund amount is higher than the due amount or equal the due amount, the customer does not need to pay the first installment or the next installment. Go Zayaan will settle the amount with the customer.
Scenario two:
If the customer’s refund amount is less than the due amount, the customer will keep paying to IPDC until the refund amount is equal or higher than the due amount. If the customer pays higher than the due amount through their last installment, Go Zayaan will settle the extra amount with the customer.