WEDDING LOANS

Use a personal loan to finance your wedding

What's the money for? Credit card refinancing, Debt consolidation, Home improvement, Major purchase, Car financing, Green loan, Business, Vacation, Moving and relocation, Other

What is a wedding loan?

A wedding loan is a personal loan you can use to help pay for your wedding, honeymoon, and related expenses. Securing wedding financing early in the planning process can help reduce stress and allow you to deal with unexpected deposit requests or emergencies.

A loan with a fixed rate can get you the money you need and set you up with predictable monthly payments and an agreed-upon end date for repayment.

Why get a wedding loan?

Cover all costs: Confidently plan for everything from your engagement to the honeymoon.

Lock in a fixed rate: With competitive rates, your monthly payment never increases.

Peace of mind: Predictable monthly payments on a defined repayment term.

Personal loans vs. Credit cards

Personal loans

1. Installment loans can help you pay down debt and take control of your budget.
2. Single, fixed rate monthly payment is easy to manage.
3. Fixed monthly payment and payoff date saves you money over time.
4. Lower average APRs compared to credit cards.

Credit cards

1. Revolving credit accounts can lead to overspending.
2. Managing multiple credit cards with variable due dates, limits, and terms is time-consuming and stressful.
3. Low minimum monthly payments and revolving compound interest can trap you in a cycle of debt.
4. Higher average APRs are an expensive way to pay for large purchases.

What our members are saying

"This last-minute loan was a LIFE SAVER! It made my big day a very big success. I had a chance to finish all my last minute shopping including my husband-to-be’s wedding band."

—Keianna, a member from South Carolina

Applying is easy. Let's make it happen.

• 1. Apply online in minutes

Get customized loan options based on what you tell us.

• 2. Review your options in seconds

Select the rate, term, and payment options you like best.

• 3. Get funded in as little as 24 hours

Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours.

Frequently asked questions

How do I qualify for a wedding loan?

Wedding loans are unsecured (no collateral required) loans, which means your debt-to-income ratio and credit and payment history all play a big part in determining if you qualify, the amount you can borrow, interest rate, and loan terms.

With Happen Bank, you can check your rate and see loan offers without it impacting your credit score.

Which lenders are best for wedding loans?

Many online lenders offer unsecured personal loans you can use to pay for your wedding—and almost any other expense. Some banks and credit unions also offer unsecured personal loans.

Can I get a wedding loan with poor credit?

You may be able to get a wedding loan if you have poor credit. However, your credit history and overall creditworthiness are important factors in determining both your eligibility and the interest rate you’ll receive.

How much does a wedding cost?

The average budget for couples on their wedding is over $20,000, not including the cost of an engagement ring or honeymoon.

Are wedding loans better than credit cards?

Using a personal loan for wedding financing could be less expensive than using a credit card, especially if you’re unable to pay the balance off in full within a couple of months.