Compare Wedding Loans from 50+ Australian Lenders

Finance your dream day with flexible loans designed to cover venues, catering, attire, photography, honeymoons and more.

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Wedding Loan Australia
Emu Money Wedding Loan Comparison

Make Your Day Unforgettable

Spread the cost of your wedding with clear, fixed repayments that fit your budget.

Borrowing Range

Typical amounts $5,000 to $50,000+

Flexible Terms

1 to 7 year terms available

Fast Approvals

Some lenders provide same-day decisions

Secured or Unsecured

Choose flexibility or sharper rates with security

Covers All Costs

From deposits to honeymoons, funds are versatile

Clear Repayments

Fixed monthly instalments make budgeting easier

How it works

We connect your application with lenders who fund weddings—so you can focus on planning the big day.

1.

Apply online in 3 minutes

Provide your details, budget and expected costs. Quick, simple and no lengthy forms.

2.

See matched options

Our technology compares secured vs unsecured offers with different terms and rates.

3.

Upload documents

Submit ID, income details and bank statements so lenders can assess affordability.

4.

Settle & pay vendors

Funds are transferred to your account so you can pay venues, caterers and suppliers.

How Wedding Loans Work

Backed by over 50+ lenders

Giving you the best chance of being approved.

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Ready to plan stress-free?

Compare wedding loans from 50+ lenders with one simple application.

A quick guide to wedding loans

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.

Types of wedding loans

Choose the structure that best fits your plans and budget:

Unsecured Personal Loan

A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
Pros
  • No collateral required - no risk to personal assets
  • Quick approval and funding process
  • Flexible use of funds for any purpose
Cons
  • Higher interest rates than secured loans
  • Stricter credit requirements
  • Lower maximum loan amounts available
Best For

People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.

Secured Personal Loan

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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
Pros
  • Lower interest rates due to asset security
  • Higher loan amounts available
  • Flexible use of funds for any purpose
  • Longer repayment terms possible
Cons
  • Asset serves as security - risk of loss
  • Comprehensive insurance may be required
  • Longer approval process due to security valuation
  • Asset restrictions during loan term
Best For

Borrowers with valuable assets who want lower rates for debt consolidation, home improvements, or major purchases while keeping costs down.

Fixed Rate Personal Loan

An unsecured personal loan with fixed interest rate providing predictable monthly payments. Perfect for consolidating debt or funding personal goals.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
Pros
  • Fixed interest rate provides payment certainty
  • No assets required as security
  • Predictable budgeting with set repayments
  • Quick approval and funding process
Cons
  • Higher rates than secured loan options
  • Stricter credit requirements than variable loans
  • Cannot benefit from interest rate decreases
  • Lower maximum amounts than secured loans
Best For

Borrowers who want payment certainty and protection against rate rises for debt consolidation, home improvements, or planned expenses.

Variable Rate Personal Loan

An unsecured personal loan with variable interest rates that can fluctuate with market conditions. Potentially benefit from rate decreases on your personal financing.

Loan Amount$5,000 - $200,000
Term24 - 84 months
Interest RateFrom 9.2%
Comparison Rate^From 10.87%
Time to Fund24 - 48 hours
EligibilityMinimum income $30,000, Australian resident, Fair credit score
Pros
  • Can benefit from interest rate decreases
  • Often lower initial rates than fixed loans
  • More flexible loan features available
  • No assets required as security
Cons
  • Monthly payments can increase with rising rates
  • Uncertainty in budgeting due to rate fluctuations
  • Higher rates than secured loan alternatives
  • Risk of significant payment increases
Best For

Borrowers comfortable with payment variability who want to benefit from potential rate decreases without putting assets at risk.

What can I use a wedding loan for?

Wedding loans are versatile and can cover every aspect of your celebration, from the essentials to the finishing touches:

Venue Booking

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.

Catering & Beverages

Food and drink can account for the largest share of your budget. A loan helps spread these costs, keeping repayments predictable without draining savings.

Photography & Videography

Capture the memories with professional services. Finance packages make it easier to book quality photographers and videographers without compromise.

Wedding Attire

From dresses and suits to bridesmaid and groomsmen outfits, a loan ensures everyone looks their best without immediate financial strain.

Décor & Flowers

Fund floral arrangements, centrepieces, lighting and decorative touches that bring your theme to life, while paying costs off over time.

Entertainment & Music

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.

Transport & Accommodation

Hire cars, guest shuttles or book accommodation for yourself and your family. A loan keeps these logistics simple to manage.

Honeymoon

Extend the joy with a honeymoon, financed as part of the same loan. Predictable repayments mean you can relax after the big day.

Case Study

Wedding Loan Case Study

James & Mia

Dream venue within reach


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.

How much can I borrow with a wedding loan?

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.

Wedding Loan Repayment Calculator

Estimate repayments before you commit. Adjust amount, term and rate to see how it fits your budget.

Loan Amount
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Establishment Fee
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Loan Term (months)
Interest Rate
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Total amount to repay
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Your repayments
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Balance over time

Am I eligible for a wedding loan?

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

How to apply for a wedding loan?

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)

How to save money on a wedding loan

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.:

TermApprox. Monthly RepaymentTotal Interest (approx.)

3 years (36 mths)

$995

$5,820

5 years (60 mths)

$667

$10,020

7 years (84 mths)

$528

$14,472

Understanding wedding loan options

Different structures and features affect flexibility and cost. Here are the most common options:

Secured vs Unsecured

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 vs Variable Rates

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.

Debt Consolidation After Wedding

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.

Early Repayment Flexibility

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.

Rate-for-Risk Pricing

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.

Testimonials

VerifiedVerified Review

Brad was great quick and simple no headaches. just simple process and was done in quick time frame. cant thank him enough.

Danny D.

Review posted on 2024-01-24

VerifiedVerified Review

Dealing with Ryan has been excellent from start to finish ! Quick response no questions in answered great experience all round

Daniel W.

Review posted on 2023-12-20

VerifiedVerified Review

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.

Review posted on 2023-10-18

VerifiedVerified Review

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.

Review posted on 2024-02-21

VerifiedVerified Review

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.

Review posted on 2025-09-10

VerifiedVerified Review

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.

Review posted on 2023-12-20

Frequently Asked Questions

Wedding Loan FAQs

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

How much can I borrow for a wedding?
Can I use a personal loan for wedding costs?
Is a secured or unsecured loan better for weddings?
How long can I repay a wedding loan?
Can I include honeymoon costs?
What documents do I need?
Can we apply jointly as a couple?
How fast can we get approved?
Will a wedding loan affect our credit?
Is it wise to borrow for a wedding?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 6 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 29.29% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.3% p.a., the total repayment amount including all fees and charges would be $36,471.67, with a monthly repayment of $607.86.