Yes — you can use the loan amount for any travel-related expense, including international flights, hotels, visa fees, and on-the-ground costs. There are no usage restrictions on a personal loan for travel.

No, travel documents are not required. The loan is an unsecured personal loan, so eligibility is based on your financial profile, not on proof of travel plans.

A personal loan typically gives you predictable monthly EMIs and a single repayment plan, while a credit card has higher interest if not paid off in full. For a one-time large trip cost, a personal loan is usually more manageable. For ongoing small expenses, a credit card may work.

You cannot "cancel" a disbursed loan, but you can prepay or foreclose it. If you no longer need the money, prepaying as soon as possible reduces the interest you pay. Check your loan agreement for any pre-closure conditions.