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Wedding Loans

Turn your Big Day dreams

into reality

  • Compare deals from leading providers
  • See your chances of being accepted
  • Searching won't harm your credit score
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Can I get a loan to pay for my wedding?

A wedding loan could make a big difference when it comes to turning your dream wedding into a reality.


Wedding loans are unsecured personal loans which you pay back over time with interest. But with so many loan options available it can be difficult to know which one to choose. 

We compare loans from leading providers across the market and can show you your chances of being accepted before you apply. Plus, searching with us won’t affect your credit score.

MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.

With a pre-approved loan, the deal you see is the deal you get

When you apply for a loan, it’s not always clear what deal you’ll be offered or whether you’ll be accepted. But when you’re pre-approved for a loan, you know the deal you see is the deal you’ll get – you’ll know where you stand, with information that will help you make the right choice.

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    Apply with confidence

    When you’re pre-approved, the loan amount, duration and interest rate are all confirmed

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    Tailored to you

    When you know what you’ll be able to borrow and how much it will cost, you can choose a loan that’s right for you

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    You’re in safe hands

    This helps protect your credit score as you’re less likely to be rejected when you apply

How do wedding loans work?

A low-interest wedding loan could be one of the cheapest and most convenient ways to fund your big day, especially if you have limited savings. How does it work:

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    Take out a loan

    Search for the best deal with MoneySuperMarket. Compare interest rates, the loan term and any fees and conditions before applying

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    Pay for your wedding

    Use the money to cover the costs of your wedding, such as booking the venue and paying for caterers

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    Pay back the loan over time

    Set-up a direct debit to pay off the loan in monthly instalments. You might be able to save money by clearing the loan faster, but take note of any early repayment charges

Compare loans for your wedding from lenders across the market

We do the heavy lifting, so you don't have to. We work with a wide range of providers to help you get the lowest rates for you.

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How much will a wedding loan cost?

The total cost of your wedding loan will depend on how much you need to borrow plus the interest rate charged – and how long you’ll take to pay it back. The shorter the term (length of your loan) the less interest you’ll pay overall.



When it comes to paying for the different aspects of your wedding, from the venue and catering to flowers, photography, dresses and rings, shop around - and try to haggle on price. By cutting your wedding costs you can reduce the amount you’ll need to borrow.  

Use our loans calculator to work out how much loans of different sizes might cost for your big day.


How to get the best wedding loan for you

The best deal for a wedding loan depends on your 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 consider:

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    Shop around

    Whatever type of loan you choose, shopping around for the cheapest deal is the best way to pay as little as possible for credit

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    Check small print

    There could be additional fees on the loan. Early repayment charges could also apply

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    See your eligibility

    We’ll show you your chances of being accepted before you apply. That way you avoid harming your credit score

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    Boost your credit rating

    Customers with high credit scores usually get offered the best deals so get your credit file in great shape

Advantages and disadvantages of wedding loans

Before you take out a loan to fund your wedding make sure you’re fully aware of the advantages – and also any potential pitfalls:

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    • Quick access to money enabling you to start planning your big day, even if you don’t have the savings up front
    • Flexibility: gives you 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
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    • You’ll pay interest on your loan so your wedding will cost you more than if you paid with savings
    • If you miss 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

Can I get a wedding loan with bad credit

You could still get a wedding loan even if you’ve struggled with debts in the past and have a poor credit score – or if you’ve never borrowed before and have no credit history. Specialist loan providers can offer loans to those who may have a less than perfect credit score.

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However, loan sizes are likely to be smaller and you’re likely to have to pay higher interest rates on your loan.  
If you’ve been in financial difficulty before think carefully about taking on more debt. Regularly review your credit score and work on ways to improve it

Representative 29.9% APR

How to compare wedding loans with MoneySuperMarket

Find the right loan for you and see your chances of being accepted.

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    Make your choice

    Decide which car finance option is right for you, from PCP or HP to taking out a personal loan

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    It doesn't take long

    Just tell us a little about you, your finances and what you’re looking for 

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    Compare car finance

    You’ll be able to sort car finance options by overall cost and the likelihood you’ll be accepted

You generally have to be over 18 to get a car loan, and lenders will often have their own specific requirements. You can find out more by looking at their website or contacting them directly, by phone, email, or post.

To apply for a loan you’ll need your address, contact details, details about your incomings, expenditures and employment. You’ll also need to mention how much you want to borrow, and for how long.

This depends on the lender. Some loan providers will charge you extra fees if you start making higher repayments than have been agreed, but others may allow it. There may be an early repayment penalty charge if you want to clear the loan in full before the end of the term.

A soft-search or soft-application is a way of finding out where you stand in terms of getting a loan without leaving a footprint on your credit report. This is important because credit searches and applications can temporarily lower your credit score in some cases. Using a soft search is a way of finding a loan you’ll be eligible for without harming your credit score and your chances of being accepted. MoneySuperMarket’s loan Eligibility Checker uses a soft search.

Missing repayments could have several negative effects so always speak to your lender as soon as possible if you are experiencing difficulties. The lender should be able to offer options to help you mitigate the problem. A missed debt payment could harm your credit score and result in a County Court Judgement against you. Any assets secured against the loan could eventually be repossessed. Try to avoid missing repayments as it is likely to make borrowing more difficult and more expensive in future.

APR, or your Annual Percentage Rate, is the interest rate at which you pay back money you’ve borrowed. It takes into account the actual interest rate you pay, plus any other fees or charges involved in the deal, to give you a more complete picture of what your loan will cost.

When you see a rate advertised as the representative APR, this means the lender is required to offer this rate to at least 51% of applicants – however it doesn’t mean you’re guaranteed to receive this interest rate yourself.

When looking to finance your new car consider what is most affordable for your circumstances, not what is necessarily the cheapest. If you can’t afford to pay for your car upfront with cash (which will usually be the cheapest way to buy a car), taking out a personal loan could be a way to spread the cost of the purchase over a number of years to make it more affordable. When deciding what is the best way to finance a car, you’ll need to consider the interest and any charges added to the finance plan you take out, and the size of your monthly repayments. 

It can take a few minutes to a few days to get approved for a car loan, depending on what type of lender it is, the type of loan you’ve applied for and the type of car you’re looking to buy.

When applying for car finance, you’ll usually be asked to provide a proof of identity, usually your driving licence. You’ll also need to give a proof of income and address history of the past three years.

If your car is still on finance, you can’t sell it until you’ve paid off the finance in full as you don’t legally own it yet. Once you’ve paid off your car finance in full, you’ll own your car outright so should be able to sell it if you choose to.


You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor
  • Super save over and over again with Energy Monitor
  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.