Shop around
Whatever type of loan you choose, shopping around for the cheapest deal is the best way to keep interest repayments as low as possible. Compare both interest rates and annual percentage rates (APR)
Wedding loans
Compare wedding loans and earn £20 on approval^
Earn up to £130 in rewards every year with
Borrow up to £25,000 to finance your big day
Loan representative rates from 5.8%^
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
What is a wedding loan?
A wedding loan is a personal loan that can help couples cover the expenses of their big day.
A wedding loan can help fund everything from the clothes to the food to the entertainment, including the honeymoon.
It lets you finance part, or all, of these costs upfront before repaying the loan in monthly instalments.
How do they work?
A wedding loan works in the same way as other personal loans:
Make your loan application: After finding an appropriate loan amount and term length, the easiest way is to apply online with a lender.
Pay for your wedding: Use the money to cover wedding costs, such as booking the venue, paying your vendors, and even financing your honeymoon.
Pay back the loan over time: Ensure you keep up with monthly repayments. You might be able to save money by clearing the loan faster, but take note of early repayment charges.
How much could a wedding loan cost?
Use our new loan calculator to estimate the cost of your loan with ease. Based on MoneySuperMarket data from the last 3 months, the average APR for wedding loans between £7,500 and £14,999 is 13.6%
Loan calculator
Find out what monthly repayments would be, how much you'll pay overall and how much you could borrow.
£
%
Oops! That doesn't look quite right - can you check and enter again?
Results
Monthly cost
‐
Loan amount
‐
Interest
‐
Total amount
‐
Based on the information you supplied, you would be borrowing XXX and repaying the loan in XXX monthly instalments of . The total sum to repay, subject to XXX% APR over the full loan term would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
Afford to borrow
‐
Monthly cost
‐
Interest
‐
Total amount
‐
Based on the information you supplied, you could borrow XXX at a monthly repayment rate of to be paid over XXX monthly instalments. Over the full loan term at XXX% APR, the total amount repayable would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
Oops! That doesn't look quite right - can you check and enter again?
The maximum personal loan is £50,000
If you need a larger amount, consider a secured loan, which will allow you to borrow more but uses your home as collateral. Be aware that lenders can sell your house if you fail to keep up with repayments.
What are the pros and cons of a wedding loan?
Before you take out a loan to fund your wedding make sure you’re fully aware of the advantages and any potential pitfalls:
-
Pros
Quick access to money, enabling you to start planning your big day, even if you don’t have the savings up front
Flexibility, with options around how much you borrow and how quickly you pay it back
Could improve your credit score if you meet the monthly repayments in full and on time
-
Cons
You’ll pay interest on your loan so your wedding will cost you more than if you paid with savings
If you miss loan repayments, you’ll damage your credit rating and borrowing may be more difficult in the future
Early repayment charges mean it may be costly if you want to pay off the loan before the term ends
A representative example from one of our lenders
TSB personal loan
Representative example: If you borrow £10,000 over 3 years at a Representative APR of 5.9% and an annual interest rate of 5.9% fixed, you would make 36 monthly repayments of £303.07. The total amount payable is £10,910.52.
Great for
-
5.9% APR Representative for loans between £7,500 and £25,000 (available loan term of 1-5 years) with TSB
But be aware that
-
To apply, you must be a UK resident ageed 21 or over (if applying online)
-
Rate will vary based on personal circumstances, as well as the loan amount and term
How much can I borrow for a wedding?
Wedding loans are typically unsecured personal loans, so you can usually borrow between £1,000 and £25,000 – though what you’re offered will depend on your credit score and finances.
On average, MoneySuperMarket customers borrow around £8000
Use our loan calculator to see what your monthly repayments could look like across different amounts and interest rates.
How quickly can I get the funds?
If you apply online and are approved, you could receive the money within a few hours – though some lenders may take a couple of working days.
To speed things up, make sure your details are accurate and you’ve got documents like proof of income handy. Getting the funds quickly means you can book venues or suppliers without delay.
What are the repayment terms?
Repayment terms for a wedding loan usually range from 12 months to 5 years, giving you flexibility to find a term that suits your budget.
While longer terms can lower your monthly payments, you’ll likely pay more interest overall. Choosing a shorter repayment period could reduce the total cost of the loan – just make sure the monthly repayments are manageable.
How much do people borrow for weddings?
The most common loan amount for those looking to fund a wedding is between £7,500 and £14,999, based on MoneySuperMarket data from September 2024. Our chart shows how much people typically borrow.
Could lower interest rates make loans cheaper?
In May, the Bank of England cut its base rate to 4.25% and further incremental rate cuts could follow over the coming months.
Lenders often reduce their rates in response to base rate cuts, but it doesn’t happen overnight.
Some move quickly, while others take time to adjust. That means it’s important to shop around and compare loans to see which providers have already lowered their rates.
The rate you’re offered will also depend on your credit score and financial situation, so the best deals might not be available to everyone.
Am I eligible for a wedding loan?
To be eligible for a wedding loan, you’ll need to meet a few basic requirements set by most lenders. Approval will usually depend on your credit score, income, and overall financial health. While criteria can vary between providers, most will expect you to:
Be at least 18 years old
Live permanently in the UK
Have a regular income (from employment, self-employment or a pension)
Hold a UK bank account
Pass a credit check
Meeting these conditions doesn't guarantee approval, but it puts you in a good position to apply.
Can I get a wedding loan with a bad credit score?
If you have a poor credit score because you’ve struggled with debts in the past, or you haven’t borrowed before, you could still get approved for a loan in the UK.
But you should be aware that available loans could be more limited, you may not be able to borrow as much, and you may face paying a higher interest rate.
Regularly review your credit score and work on ways to improve it. If you’ve been in financial difficulty before, you should also think carefully about taking on more debt.
How to get the best deal
The best deal depends on your personal circumstances. For example, a low interest rate might look appealing, but the length of the deal might be too long, meaning you’ll pay more overall. Here’s what to do to find a loan that best suits you:
-
-
Check the small print
There could be additional fees on the loan – especially if you miss a payment. Early repayment charges could also apply
-
See your eligibility
We’ll show you your chances of being accepted before you apply online. That way you can avoid harming your credit score
-
Boost your credit rating
Customers with high scores usually get offered the best deals. So, it's best to get your credit file in great shape before applying
Is a wedding loan right for me?
A wedding loan can be a good option to help you fund your dream day and spread the cost of the event. If you have a good credit score and you're confident you can keep up with the repayments, then taking out a personal loan is right for your circumstances.
However, you'll pay back more than you initially took out, due to interest, so it's important to factor this in. Remember to shop around and compare deals, and always have a budget in mind.
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20^ every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk
^ , Sainsbury’s & more -
Free experiences
A years worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180
^ . -
Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%
^ cashback from brands like Just Eat, eBay & Argos. -
Refer a Friend
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Can I use my wedding loan for something else?
Yes, you can usually use your wedding loan for something else. Most wedding loans are unsecured personal loans, which means you don’t have to prove how the money is spent – so if plans change or you need to cover additional costs, you have flexibility.
However, there are some restrictions. Lenders typically don’t allow loan funds to be used for gambling, investing in stocks or cryptocurrencies, or business purposes. Using the money in these ways could breach your loan agreement.
It’s always best to check the terms and conditions before spending the funds. Misusing the loan could affect your credit score and make it harder to borrow in the future.
What are the alternatives to wedding loans?
If you don’t want to take out a personal loan to cover wedding costs, other options include:
-
Credit cards
A 0% purchase credit card can help you spread the cost interest-free – just make sure you can repay before the offer ends. You’ll also get extra protection under Section 75.
-
Overdraft
If your bank offers an interest-free overdraft, it could help with short-term wedding costs – but be careful not to go over your limit, as fees can stack up fast.
-
Borrow from family or friends
A loan from loved ones could mean lower or no interest – just make sure you’re both clear on repayment terms to avoid awkward conversations later.
-
Wedding savings account
Start saving early with a dedicated wedding savings account. It helps you stay organised and avoid borrowing altogether.
Our expert says…
Your wedding day is a special time in your life, but that doesn’t mean you want to start married life deep in debt. A recent survey suggested the average wedding cost in the UK was over £23,000, showing that weddings can quickly become expensive.
If you don’t have savings to pay for it, you may be looking to borrow money, but ensure that you look for the best loan deal for you. There are lots to choose from, so try to find a loan with a low interest rate and one you can afford to repay.
Kara Gammell Personal Finance & Insurance Expert
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
How to compare wedding loans with MoneySuperMarket
Find the right loan for you and see your chances of being accepted.
-
Compare loans
We’ll ask you a few quick details to find out how much you’d like to borrow and help us assess what you might be able to afford
-
Choose a deal
We’ll show you each loan with simple headline terms such as interest rate, cost per month and your chances of being accepted
-
Click through to apply
Once happy with your choice, you can click straight through to the loan provider and apply for the loan within minutes
More tips for your big day
Is it a good idea to finance a wedding?
Borrowing to fund a wedding means you’ll be incurring debt that you’ll have to pay off over the months that follow.
But weddings can be an expensive one-off payment, and it may take you longer than you want to save up – particularly if you have a fixed date in mind.
Provided you budget sensibly, don’t overstretch yourself and can keep up with repayments, wedding finance can be used as part of the planning for the big day.
Will I be accepted for a wedding loan?
Whether you’ll be accepted for a wedding loan will depend on a variety of factors, including how much you ask for, whether you can meet the repayments, your credit score and the loan provider’s own attitude to risk.
If you cannot get a loan for as much as you want, you may have to settle for slightly less and revise your plans, or seek finance in other ways.
Can you borrow against your house for a wedding?
Yes, although you'll need to compare secured loans (also known as homeowner loans) to borrow against your property.
Be warned that if you fail to keep up with repayments, your lender can sell your property to recoup the cost of the loan.
What happens if my wedding gets postponed?
Once your loan is approved, you’ll receive the money and are free to use it how you wish.
If your wedding gets postponed or cancelled, you’ll still need to adhere to the terms of the loan and make the repayments on time. If you decide you don’t need the money anymore, you’ll be able to pay the loan off early, but take note of any early repayment charges.
In every case, once the initial cooling off period has elapsed, you are likely to pay back more than you have borrowed.
What is an unsecured loan?
An unsecured loan – often called a personal loan – is one that is granted without the customer having to put down any security, such as their house or car. This doesn’t mean the borrower can default on the loan with impunity.
If you miss repayments, you’re likely to be hit with extra charges and interest and you could seriously damage your credit rating, making borrowing much harder in the future.
How regular will my repayments be on a wedding loan?
Most loans are structured so you make monthly repayments until the loan is paid off. You can usually decide on a date that suits you best. Immediately after payday, for example, is often a popular choice so borrowers are confident they can meet their direct debit payments.
What will the loan term be for a wedding loan?
The length of loans differs from deal to deal, but common terms range from two to five years. You can often reduce the monthly payments by extending the term of the loan, but this typically means you’ll end up paying more overall in interest.
How much interest will I have to pay on my wedding loan?
It will depend on the deal you’re approved for. The good news is that it is easy to compare deals from across the market in the UK with MoneySuperMarket, so you can quickly see what current rates are on offer.
Be aware that the lowest advertised rates are not offered to all potential borrowers and are generally reserved for those with the best credit scores.
Can I get a wedding loan without a credit check?
No. Any reputable loan provider will first run a credit check on your finances to give them confidence that you will be able to repay the loan on time every month. This is why it’s so important to keep your credit score as high as it can be.
Do I have to use the whole loan to pay for my wedding?
No. Once you have been approved for the loan and receive the money, you can use it for whatever purpose you like. It could be useful to draw up a budget to make sure you only apply for the amount you’ll need because the more you borrow, the more you’ll have to repay in interest.
Can I get my wedding loan paid into a joint account?
Yes, you can instruct the loan provider to pay the money into a joint account. It’s worth noting that if you are the person who has been approved for the loan, you are also responsible for paying it off - no matter who ends up spending the money.
Lenders
Curious about who’s behind the loans? Take a look at each lender’s page below to learn more:
Reviewed on 8 Dec 2025 by
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details
Up to £130 if every qualifying product purchased once. T&Cs apply. Click here for details.
Lowest representative APR for loans between £7.5k and £15k. Accurate as of December 8th 2025. Subject to credit status.
Based on the median loan amount from enquirys made on MoneySuperMarket in November 2025 where the purpose of the loan was Wedding.
Based on the loan enquirys made on MoneySuperMarket between September 2025 and November 2025.
Based on the loan enquirys made on MoneySuperMarket between September 2025 and November 2025.
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information