5.0 rating
Typical amounts $5,000 to $50,000+
1 to 7 year terms available
Some lenders provide same-day decisions
Choose flexibility or sharper rates with security
From deposits to honeymoons, funds are versatile
Fixed monthly instalments make budgeting easier
Provide your details, budget and expected costs. Quick, simple and no lengthy forms.
Our technology compares secured vs unsecured offers with different terms and rates.
Submit ID, income details and bank statements so lenders can assess affordability.
Funds are transferred to your account so you can pay venues, caterers and suppliers.
Wedding loans are personal loans used to finance all aspects of your big day—from venues and catering to attire and honeymoons. They help spread costs into predictable repayments, avoiding the need to dip into savings or rely on high-interest credit cards.
Loan sizes and rates depend on your income, credit profile and lender policies. You can choose secured options for larger borrowing power or unsecured for flexibility. Comparing multiple lenders ensures you find terms that keep repayments manageable while making your special day unforgettable.
Explore each section to find exactly what you need.
Choose the structure that best fits your plans and budget:
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
A personal loan secured against an asset offering lower rates than unsecured options. Use the funds for any purpose while benefiting from competitive secured rates.
Borrowers with valuable assets who want lower rates for debt consolidation, home improvements, or major purchases while keeping costs down.
An unsecured personal loan with fixed interest rate providing predictable monthly payments. Perfect for consolidating debt or funding personal goals.
Borrowers who want payment certainty and protection against rate rises for debt consolidation, home improvements, or planned expenses.
An unsecured personal loan with variable interest rates that can fluctuate with market conditions. Potentially benefit from rate decreases on your personal financing.
Borrowers comfortable with payment variability who want to benefit from potential rate decreases without putting assets at risk.
Wedding loans are versatile and can cover every aspect of your celebration, from the essentials to the finishing touches:
Secure the perfect ceremony or reception space, often requiring large deposits months in advance. Loans can help cover upfront costs to lock in your dream location.
Food and drink can account for the largest share of your budget. A loan helps spread these costs, keeping repayments predictable without draining savings.
Capture the memories with professional services. Finance packages make it easier to book quality photographers and videographers without compromise.
From dresses and suits to bridesmaid and groomsmen outfits, a loan ensures everyone looks their best without immediate financial strain.
Fund floral arrangements, centrepieces, lighting and decorative touches that bring your theme to life, while paying costs off over time.
Whether it’s a live band, DJ or classical quartet, loans can cover entertainment deposits and fees so your celebration has the soundtrack it deserves.
Hire cars, guest shuttles or book accommodation for yourself and your family. A loan keeps these logistics simple to manage.
Extend the joy with a honeymoon, financed as part of the same loan. Predictable repayments mean you can relax after the big day.
James & Mia
Challenge: Wanted a beachfront venue but deposits were due a year in advance.
Solution: Unsecured wedding loan repaid over 2 years.
James and Mia in Sydney had their hearts set on a waterfront reception. With venue and catering deposits due well ahead of the big day, they needed a way to spread costs without overusing credit cards. Through Emu Money, they secured an unsecured wedding loan with a fixed rate. This gave them the funds to lock in vendors early, while keeping repayments manageable within their monthly budget.
Most wedding loans range from $5,000 to $50,000+, depending on your income, credit score and lender policy. Larger amounts may be available with security, while unsecured options prioritise flexibility. Borrowing power is based on affordability and overall commitments. It’s always wise to borrow only what you need—balancing your dream celebration with future financial comfort.
Balance over time
Eligibility depends on income stability, credit history and your ability to repay. Stronger profiles may access lower rates and higher limits, while secured options can assist those with weaker credit. Lenders look closely at bank statements to ensure affordability.
You may be eligible if you are:
An Australian resident aged 18+
Employed or self-employed with regular income
Able to show serviceability via bank statements
Meeting minimum credit criteria
Borrowing for wedding or related personal purposes
Complete our quick online form and upload supporting documents. We’ll compare multiple lenders, match you to suitable offers, and arrange settlement so you can start paying vendors and deposits.
Documents you may need:
Photo ID (driver’s licence or passport)
Recent bank statements (3–6 months)
Payslips or income verification
Quotes or invoices from vendors
Asset details (if offering security)
Plan carefully to avoid over-borrowing. Compare interest rates and fees across lenders, and check the comparison rate to reveal true cost. Shorter terms save on total interest, but longer terms reduce monthly outgoings—strike the right balance for your budget. Borrow only what you need, and consider early-repayment options so you can clear the debt sooner if funds allow.
Example: Loan impact — $30,000 at 11.99% p.a.:
Term | Approx. Monthly Repayment | Total Interest (approx.) |
---|---|---|
3 years (36 mths) | $995 | $5,820 |
5 years (60 mths) | $667 | $10,020 |
7 years (84 mths) | $528 | $14,472 |
Different structures and features affect flexibility and cost. Here are the most common options:
Secured loans require collateral and may allow larger borrowing with sharper rates. Unsecured loans don’t require assets, offering faster approval and flexibility—ideal for couples who want quick funds.
Fixed rates provide certainty with the same repayment every month. Variable rates can change with the market and may save money if rates fall, but carry risk if they rise.
If you’ve used credit cards or smaller loans during planning, a wedding loan can consolidate these into one repayment after the event, lowering stress and simplifying finances.
Some lenders allow you to repay faster without penalty. This can save interest if you come into extra funds after the wedding or during your honeymoon period.
Your income stability, credit score and bank-statement conduct influence the rate offered. Stronger profiles access sharper pricing, so preparing your finances beforehand can improve results.
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Brad was great quick and simple no headaches. just simple process and was done in quick time frame. cant thank him enough.
Danny D.
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Dealing with Ryan has been excellent from start to finish ! Quick response no questions in answered great experience all round
Daniel W.
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I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Money’s team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!
Zain R.
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Huge thanks to Evette at Emu Money for hooking me up with an amazing car finance deal — absolute legend! Very knowledgeable, went above and beyond, made the whole thing easy and saved me a ton. Couldn’t be happier!
Scott D.
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I had an excellent experience with Emu Money. Robyn was fantastic – professional, approachable, and genuinely easy to deal with from start to finish. She explained everything clearly, made the whole process stress-free, and went above and beyond to ensure I was comfortable with each step. It's rare to find someone so reliable and efficient. I'd highly recommend Emu Money, and especially Robyn, to anyone looking for great service and peace of mind
Cruize W.
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Ryan was Very helpful through the entire process and made everything super simple for me. Had no issues altering and changing to suit my needs throughout
Kye Z.
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