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Welcome SDCCEA Members

When Cash or Credit Cards Are Not The Best Option


Program Overview:


Vacationwiser makes travel affordable. Cruises, family vacations, weekend getaways or adventure trips of a lifetime


Vacationwiser offers a variety of travel options.


Check out our suggested monthly packages or call for destination specials.

We will help you choose a destination that will fit comfortably in your budget.

Convenient INTEREST FREE payments for 12 months through Payroll Deduction makes purchasing your vacation easy.

We also consider offering credit to people who have had "credit challenges" in the past.

We use work history when approving applications.

Your job is your credit at Vacationwiser!


We want to say YES...and often do when others don't. Even if you have been previously turned down by others for credit, give us a try. We will provide you with an answer on the Same Day, so you can begin planning your vacation right away. Let Us Help You Choose A Destination Speak with our Travel Coordinators to assist you in choosing the destination that best fits your budget. We work to make your vacation the most enjoyable ever. No More Excuses - Apply Now!

Payment Plan Vacations

We make it easy for you (and your family) to pick a Payment Plan Vacation that fits your budget, and pay for it later. Our Travel Now Pay Later Credit programs are designed to give people who don't have the cash or credit card limits to Finance a Vacation now, and take your Pay Later Vacation on Credit using customized Vacation Financing payment plans over a 12-month period.

Rita P.

"I took advantage of one of your vacation packages in August. My husband and I went to Daytona Beach for the week and we had an absolute ball. We stayed in the nicest hotel on the beach with a be..

Rita P.
Earl Pulve

"OMG! We had such a great time! what a Dad and Daughter trip of a lifetime!!! Ready to start planning a Kauai adventure for me and my gal Tina for next April."..

Earl Pulve
D. White

"Thanks for all the effort you put in for making my vacation a wonderful experience. Thank you so much for all you’ve done. My family and I had a wonderful time."..

D. White
Chevon Fonteno

"Hello. I want to say thank you because my trip turned out just great. Other than being extremely sleepy on Thanksgiving day to see my honey I had a great time and gained a new FIANCE...Yes, I am..

Chevon Fonteno
W. Rumph

"Thanks to LutherSales Vacationwiser my husband and I were able to take an enjoyable vacation to Hilton Head Island for 5 days and 4 nights at the Hilton Omni Inn Suites, which was a lovely and e..

W. Rumph

Vacations On Credit

Choosing a vacation can be challenging. Being able to obtain a Vacation on Credit is not always easy. We help you achieve your Pay Later Vacation Financing. We also provide options for Book Now Pay Later Cruises on Credit. Whether you are seeking a Cruise Now Pay Later Vacation or a visit to an island or amusement park with your family, we have the Vacation Financing Credit Plans you need. We want to say YES… Complete the 3-Minute Application and begin your exciting journey