Wedding Loans

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Wedding Loans

How to Finance Your Wedding

Congratulations! You’re getting married and you’re planning for one of the most memorable days of your life. Many dream about their wedding for years, if not decades before the day arrives, so understandably you want everything to be just as you imagined. There’s one big hurdle to getting the wedding you want, however, and that’s finding the funds to land your dream wedding.

Applying for a wedding loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

Compare personal loan rates

Top wedding loan lenders

Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Funding turnaround: as soon as same business day

LightStream offers up to $100K on personal loans as soon as same business day (the most out of most lenders!)


Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95% - 35.99% APR
Funding turnaround: Within 24 hours

Avant offers super fast funding and is a great personal loan option for individuals with fair to good credit scores.
Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 600
APR: 4.99% - 35.99%
Funding turnaround: 1-3 business days

Borrowers with fair to good credit can obtain personal loans at competitive APR rates with Best Egg.
Discover Personal Loans Review


Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Funding turnaround: within 24 hours

Borrowers can get funded as fast as next business day with Discover personal loans.
Axos Bank Loan Review


Funding: Borrow $10,000 - $50,000
Minimum Credit Score: 700
APR: 6.79% - 17.99%
Funding turnaround: within 24 hours

Individuals with good to excellent credit can get funds as fast as next business day with AXOS Bank personal loans.

Need help finding the right loan?

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What is a wedding loan?

A wedding loan is a loan you take out to pay for your wedding expenses, from your venue and outfits to catering and transport. In most cases a wedding loan is a personal loan.

How does a wedding loan work?

If you opt for a personal loan (the most common choice for wedding loans), once you’ve chosen a lender and been approved, you’ll receive the loan as a lump sum. You can then use the money as you please, and pay it back via a monthly payment over a term of 3-5 years. While this is the most common form of borrowing, there are other options out there.

What can I use a wedding loan for?

  • Dresses and suits (of wedding couple and wedding party)
  • Engagement and wedding rings
  • Hair and makeup professionals
  • Catering
  • Your honeymoon
  • The venue
  • Wedding planner
  • Wedding cake
  • Florist
  • Photographer
  • Band/live music/DJ
  • Wedding invitations
  • Decorations
  • Transport
  • Hotel for night before and after the wedding

How much can I borrow for wedding financing?

How much you can borrow depends on:

  • Your credit score (and that of your partner if it’s a joint application)
  • Your income
  • Your income-to-debt ratio (how much debt you have compared to your income)
  • Your debt utilization (how much debt you have compared to the total credit you have access to)
  • Whether the loan is secured

Generally, you can borrow anything from a few hundred dollars to $50,000, or even more.

What interest rate can I expect on a wedding loan?

Most personal loans have interest rates of 5% to 35%, but it can be more or less. You’ll need to secure the lowest interest rate you can to minimize your costs.

Wedding loan payment calculator

How much do you need to borrow?


Total Payment


Total Interest


Monthly Payment


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How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in just minutes and compare offers from top lenders. Checking rates won’t affect your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds.

Compare personal loan rates

What minimum credit score do I need to apply for a wedding loan?

There is no minimum credit score, but you’ll need a credit score of 600 or more to have a good chance of securing a loan, and over 650 to get the best rates and offers.

Will obtaining a wedding loan hurt my credit score?

Yes, at least temporarily. Any hard search of your credit score will leave a mark, decreasing your score for a short time. If you’re approved for the loan, you won’t need to worry about this, since paying back the loan diligently will help improve it again over time.

Being rejected can make it more difficult to secure the loan you need, so make sure you understand whether or not you meet a lender’s qualification requirements before you put yourself forward. Many lenders now offer preapproval where they use a soft search of your credit history to tell you with some certainty whether you’ll be approved and what rate they’d be willing to give you, so take advantage of preapproval where you can.

Can I finance my honeymoon with a wedding loan?

Yes – when you apply for a loan you will not have to prove what you’re planning to use it for. Just be aware that you likely won’t be able to secure financing for a honeymoon within 6+ months of getting the funds for your wedding, so if you plan to borrow to cover both, get one large loan rather than two in short succession.

That said, if you’re planning to start paying for your wedding costs soon, but won’t have the wedding for 1-2 years from now, you may be able to take out another small loan just before your wedding, especially if you’ve worked to improve your score.

Are wedding loans a good idea?

This really depends on how important you believe your wedding day to be, as well as your current financial situation.

If you and/or your partner have good or excellent credit, and you desperately want a big wedding, then a wedding loan is the obvious way to give you the wedding you’ve dreamed of.

However, if you and your partner have fair or poor credit, or if you don’t really want a big wedding but feel pressured to because your family/friends/society expects you to, then it’s not a good reason to borrow.

What are the pros and cons of getting a wedding loan?


  • Getting a personal loan with good or excellent credit can be an affordable way to borrow
  • It can give you the funds to have your dream wedding
  • It’s an important day, and so spending money on it may be something you’re more than happy to do
  • You can give your friends and family memories they’ll hold dear for the rest of their lives


  • Starting a marriage with a large debt isn’t always a good idea
  • If you want to buy a house in the near future, you may find the debt from your wedding hinders you for some time
  • If your day is less-than-perfect (it rains, you don’t feel well, etc) you may feel like you regret spending all the money
  • You may feel pressured to spend money you wouldn’t otherwise if your family/friends/society didn’t expect you to
  • It’s easy to spend more than you would have if you’d been using your savings

When does it make sense to get a wedding loan?

If you can afford the loan easily, and you want to create a truly special day realizing your vision for your wedding, it makes sense.

Essentially, it’s a personal decision you need to make – for some couples, a simple wedding with just their closest friends and family and budget-friendly decorations, food, and activities will give them a wedding day they’ll cherish forever.

For others, this is the big day they’ve waited for and will remember for the rest of their lives, and they know they’ll be happy paying it off for the first few years of their marriage.

How to get a personal loan for your wedding

Fortunately, once you’ve decided to get a personal loan to pay for some or all of the costs of your wedding, the process is straightforward. Simply:

  1. Compare rates and terms of loans until you find one that best suits your needs and circumstances
  2. Follow their application process (this usually takes 10 minutes and they’ll give you an instant decision, but some may ask for proof of income before deciding)
  3. Once approved, the money will be deposited in your account as soon as 1 hour later

Compare the best wedding loans and apply

Ready to get the funds to start planning your wedding in earnest? You’re in the right place – start comparing the best wedding loans in our tables and select the one that best suits your needs and circumstances, then follow the application process. Once approved, you’ll usually have the money deposited in your account within 3 days (sometimes within just a few hours!) and then you can start booking your venue, caterer and searching for the perfect wedding day outfits for you and your wedding party.

Explore more wedding related financing options

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