Wedding Loans for Your Special Day
Planning your big day? Whether it’s a grand celebration or an intimate gathering, a wedding loan can help make it unforgettable. From venues to flowers and everything in between, we’ll help you find a loan that fits your budget—simple, flexible, and on your terms.
Minutes to apply.
Approval subject to responsible lending inquiries.
Wedding Loan Calculator
Weekly Repayments
Monthly Repayments
Total Amount Repayable
The repayment amounts shown include Establishment and Introducer fees totalling $820. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.
Celebrate Your Day, Your Way
A wedding loan can help you bring your dream celebration to life, covering the costs so you can focus on making memories. Whether it’s a breathtaking venue, stunning outfits, or unforgettable memories, borrow from $3,000 with terms tailored to your budget and timeline.
Here’s how we make it happen:
- Find the right loan to match your wedding plans.
- Tailor repayments to fit your budget and schedule.
- Keep things stress-free with expert guidance at every step.
Total Transparency
We break everything down, so you know exactly what you’re paying for.
Your Perfect Fit
Fixed rates matched to you—no surprises, just steady, predictable repayments.
No Credit Impact
Apply without affecting your credit score, safeguarding your borrowing power.
Swift and Stress-Free
We take care of the details and keep things moving, so you can focus on your big day.
Over 55,000 Kiwis have trusted us to help with their finance needs.
1 Get Started Online
Apply in just 3 minutes! A quick and simple way to find your ideal loan for medical expenses.
2 We Find the Ideal Match
Loan options handpicked for you—personalised to suit your wedding plans and budget.
3 Finance, Fast and Simple
Timing varies, but with all details provided, same-day approval is possible. Approval is subject to meeting lending criteria, and affordability test applies.
What our customers say
Wedding Loans Made Simple
What is a Wedding Loan?
A wedding loan helps you cover the costs of your big day—simple as that. Whether it’s the venue, the catering, or the dress, it spreads the costs into repayments you can manage, so you can focus on celebrating without the money stress.
What Can a Wedding Loan Be Used For?
Pretty much anything! From flowers and photos to the honeymoon of your dreams, a wedding loan can help tick off everything on your wedding to-do list.
How Do I Structure a Wedding Loan?
That’s where we come in. Our advisers will help you figure out a loan that works for your budget and timeline. We’ll make sure it’s tailored to your plans, so you can focus on making your big day amazing.
Quick Spot Check?
Making informed choices is easy when you’ve got the right info. Explore our FAQs or chat with us!
That all comes down to your income, expenses, and what you can comfortably afford to repay. It’s all about your personal situation and what you need to make it work.
Interest rates depend on things like your credit history and financial situation. If your credit’s in good shape, you might secure a lower rate—something worth asking about!
Current fixed interest rates range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.
Wedding loans can come with an Establishment Fee and Introducer Fee, and sometimes ongoing account fees. It’s always good to check these upfront so there are no surprises down the track. You can view more about Lender Fees here, and how we are remunerated here.
Terms are usually between one and five years.
Wedding loans can be both secured and unsecured, depending on your needs and situation.
Secured Wedding Loan: A secured wedding loan uses an asset, like your car as collateral. This can sometimes mean lower interest rates or the ability to borrow more, but it’s important to remember that your asset is tied to the loan.
Unsecured Wedding Loan: An unsecured wedding loan doesn’t require any collateral, so you won’t need to put up an asset to secure it. Approval is based on factors like your income and credit history, and it’s a great option for covering wedding expenses without involving your assets.
Wedding loans are flexible and can be tailored to your budget and timeline. Talk with one of our advisers—they’ll help you figure out what works best for your big day.
Absolutely. Paying your loan off early or making extra payments is usually fine but just check if there’s an early repayment fees or limitations before settling your loan.
Most wedding loans come with fixed rates, so your repayments stay the same every month—easy to plan for.
Life happens! If you miss a payment, there might be fees, and it could impact your credit score. Get in touch with Loan Spot and your lender as soon as you can—we can help you figure out the next steps.
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