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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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 weddingsâso you can focus on planning the big day.
Apply online in 3 minutes
Provide your details, budget and expected costs. Quick, simple and no lengthy forms.
See matched options
Our technology compares secured vs unsecured offers with different terms and rates.
Upload documents
Submit ID, income details and bank statements so lenders can assess affordability.
Settle & pay vendors
Funds are transferred to your account so you can pay venues, caterers and suppliers.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to wedding loans
Wedding loans are personal loans used to finance all aspects of your big dayâfrom 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.
Want to skip ahead?
Explore each section to find exactly what you need.
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.
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.
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.
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.
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.
DĂŠcor & Flowers
Fund floral arrangements, centrepieces, lighting and decorative touches that bring your theme to life, while paying costs off over time.
Entertainment & Music
Whether itâs 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
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. Itâs always wise to borrow only what you needâbalancing 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.
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. Weâll 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 (driverâs licence or passport)
Recent bank statements (3â6 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 outgoingsâstrike 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 â $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 |
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 donât require assets, offering faster approval and flexibilityâideal 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 youâve 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
Verified Review
Just the best organiser and extremely helpful đ. Strongly recommend!!!
Cleo C.
Verified Review
Straight to the point and super friendly, got off the phone with Peter late one afternoon and midday the next day the money has hit my account. Incredible service and super helpful
Tyler R.
Verified Review
Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!
Barend B.
Verified Review
Brad provided excellent guidance throughout the entire loan process, making it much easier for me to achieve my financial goals. His expertise and support were invaluable, and I'd highly recommend him to anyone looking for a reliable finance broker.
Marlon
Verified Review
Robyn was very professional in her mannerism in organising us our loan . Robyn was always polite .. She kept us up to date and informed on the development of our loan even after hours as it was hard for us to speak to her during work hours . Very helpful when your not tec savy I would highly recommend Robyn to anyone needing to deal with Emu Loans and will definitely recommend her to friends and family . Keep up the great work Robyn You are a true inspiration to you job Karen Grimston
karen c.
Verified Review
I would like to highly recommend Eujin from Emu Money for the excellent service provided during my loan process. His guidance, professionalism, and clear communication made the entire experience smooth and stress-free. I truly appreciate his support and would confidently recommend Emu Money to anyone seeking loan assistance.
Chathushka H.
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.
