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Personal loans Wedding loans


Start planning your dream wedding.

Fixed personalised rates from 5.35%¹ (comparison rate 6.14%) ²

Our latest awards
Excellent Credit Personal Loan Award Badge 1
finder award 2019 v2
rate city 2021
rate city 2020 v2
mozo award 2018 v2
mozo award 2018

Make your dream day a reality with a wedding loan

We know wedding costs can add up. A wedding expenses loan can help you prepare and reduce stress on your big day.

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Get your wedding expenses loan approved well before the big day so you’ll have plenty of time to take care of everything.

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We don’t charge ongoing fees, early repayment fees or other unexpected charges, as long as you keep up with your loan repayments.

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All Harmoney personal loans are unsecured so high-value items like a wedding ring or other assets are safe.

What our customers say

5.0 Easy to use. Fast response. Recommended. australia
5.0 Fast easy experience
Highly recommend
5.0 Such a straight forward and easy process. Great communication, no hidden fees/costs on ongoing data collection. My loan was approved, but I would highly recommend even if it got declined. Great work. australia
5.0 fast and easy, approved in such a quick time, Has helped lift a big stress off my shoulders, highly recommended. australia
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5.0 The best service and experience ever !! It was easy, swift, pain free. Would highly recommend them. Qld, Australia
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5.0 This is the first time I experienced a quick secured online loan application processing. This is by far an excellent service in assessing my application, i highly recommend Harmoney to so many people that requires a brand new start and gain back financial control after the pandemic. Thank you so much to all who have helped me end to end. I could say that they are far more better than any bank I transact with in the past two decades. Victoria, Australia
5.0 Very happy with the service and it's very straight forward with the whole process. Would recommend giving them a go. australia
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5.0 Easy, online, straight forward, 100% recommended NSW, Australia
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5.0 Very quick and easy application process. It was stress free. I can highly recommend Harmoney as a viable option. I needed a loan quickly to cover urgent overseas medical expenses. Approval was granted in less than 24hrs which gave the patient instant peace of mind. Queensland, Australia
5.0 Fantastic and friendly service highly recommended. australia
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5.0 I was surprised how quick and easy the whole process was. I will definitely recommend Harmoney to friends. australia
5.0 I have experienced an excellent service in assessing me in regards with my loan. Very very helpful. Highly recommend to people who needed a service from them. australia
5.0 So simple and so quick would highly recommended australia
5.0 Hi team, I am rather impressed by how straight forward this process has been. From initial application through to email updates. The platform has been completely end-user friendly and I will most certainly recommend your product to anyone else embarking on a quick reno. australia
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5.0 I was extremely impressed by the prompt service and help I was given at every stage of my application.
Would highly recommend
Sydney , australia
5.0 Great to deal with highly recommend SA, australia
5.0 So fast and easy. Can not recommend recommend them highly enough. australia
5.0 This user-experience is the absolute best I have experienced in any industry, let alone personal loans. Mind-blowingly well thought out. I’ll be recommending this to everyone australia
5.0 Feels easy and they help me on my loan requirements. They are approachable and quick response. I recommend them to others australia
5.0 Great. Highly recommended australia
5.0 Great Lender, I would recommend to my family and friends. australia
5.0 Really easy and fastest processing I've ever seen. Highly recommend Australia
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5.0 Thank you for a fast and speedy process,will very happily recommend harmony to my friends. australia
5.0 Brilliant! Fast, efficient, easy. Australia
5.0 Excellent to deal with,loan approved quickly,highly recommend Australia
5.0 Very simple and easy process. Strongly recommending you guys to anyone. Thanks. australia
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5.0 What a wonderful experience!! I would recommend Harmoney to everybody in the market for a loan! australia
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5.0 Thank you Harmoney. You provide a great service and fast online applications. Highly recommended. australia
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5.0 Harmoney has provided the most stress-free and informative loan facts, statistics and data I have ever interacted with. I would definitely recommend Harmoney :) australia
5.0 Excellent service. Highly recommend. australia
5.0 Thankyou so much for the ability to get quick funding to help us with our wedding expense this was so easy. australia
5.0 Great experience with harmoney will definitely recommend it to others australia
5.0 Quick and easy process to apply makes life so much easier. Could not fault the process at all. Would recommend to friends 10/10 NSW, Australia
5.0 Relatively easy and great customer service. Highly recommended australia
5.0 Quick, easy, nice rates. Would recommend. NSW, Australia
5.0 Great service and very friendly people when you ring for advice.
Would recommend Harmoney to friends.
Thank you
5.0 Great experience. Fast turnaround. Will def recommend. australia
5.0 Absolutely brilliant experience australia
5.0 Brilliant australia
5.0 It.was easy to apply and get the loan approved. It was hassle free.team is helpful. I appreciate and i recommend people going through hardship and need money Asap australia
5.0 So fast, secure and easy. No hassle. Highly recommend! australia
5.0 Harmoney has helped me where others wouldnt because I have no credit history. I would highly recommend Harmoney to anyone. australia
5.0 Best service and quick to respond to your queries. I will highly recommend. australia
5.0 Seamless and easy experience, highly recommended australia
5.0 I have been dealing with my bank over this and it has given me a migraine. You guys are fast, efficient and I am very impressed.

Thank you for all your help. Would gladly recommend you.
5.0 I found it great, easy and hassle free would recommend australia
5.0 Highly recommended, thanks. australia
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5.0 10/10 would recommend!!!! australia
5.0 Brilliant service from the team at Harmoney. The whole process from start to finish was stress free. Definitely will be recommending their services to family and friends. I look forward to engaging with them in the future.. australia
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5.0 Quick and easy to do , would highly recommend australia
5.0 Very helpful team when I called in to clarify a few questions I had before submitting. Right away approval & that’s fast & efficient service right there! Highly recommend 10/5 stars!!! australia
5.0 Thank you so much for Harmoney for quick loan approved without any hassle, I appreciated your argent support and fast professional service, I personally recommend others whom need argent support, australia
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5.0 Brilliant loan company !! australia

Simple, 100% online

Step 1. Get to know you

Tell us what you need for your wedding loan, and share the ID and finance documents we need to check.

Step 2. Get your loan terms

You’ll receive your detailed wedding loan quote with your interest rate, limit and repayments.

Step 3. Get your money

After you accept your quote, we’ll need a few more details. Your loan should be funded within 24 hours*.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Quick wedding loan estimate

Try our personal loan calculator to get an idea of the interest rate and repayments on a wedding expenses loan.

Common wedding loan questions

View more
Can anyone apply for a wedding loan?

To apply for a wedding loan in Australia:

  • You must be 18 years or older

  • You must be an Australian citizen, Permanent Resident or New Zealand citizen

  • You must be employed full time or permanent part time

  • You need to have photo identification documents such as your passport or driver’s licence handy

  • Your credit file must not have any defaults, judgments or bankruptcies recorded

  • The minimum loan amount is $5,000

To apply for a wedding loan in New Zealand:

  • You must be 18 or older

  • You must be a New Zealand citizen or Permanent Resident

  • You must be earning a stable income

Your wedding loan application will be fully online. To find out more about what you need to apply, see our guides to getting started.

What can I use a wedding loan for?

Your wedding expenses loan can pay for any costs related to your wedding. This includes the dress, venue hire, transport, catering and anything else, as long as you stay within your loan limit.

Can a wedding loan pay for my honeymoon?

If you have money left over after arranging your big day, you could use this to book some of your honeymoon. But if the main purpose of your loan is to book travel, we recommend a specialised holiday loan.

Can I start paying my loan after the wedding?

Unfortunately, it’s not possible to delay repayments on your loan, which begin as soon as you receive your money. If you want to keep your repayments low, you can choosing a longer term loan, although this will mean paying more in interest overall.

Can I increase my wedding loan?

It’s not always possible to extend a loan that’s already in progress, so you should apply to borrow as much as you think you’ll need. If you’ve been making consistent repayments on a Harmoney loan for 6 months or longer, you may be eligible for a loan top-up that increases the amount you can borrow.

Can I pay back a wedding loan early?

Yes. Harmoney loan terms are for 3 or 5 years, but we encourage borrowers to pay back their loan early if they have the ability. That’s why we don’t charge any early repayment fees.

Making your big day extra special

With a wedding expenses loan, you won’t have to worry about cutting corners.

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The interest rate on your wedding loan is determined by your personal credit rating.

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100% ONLINE – 24/7

Your application is fully online with no face-to-face meetings.

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If you can pay back your wedding expenses loan faster, we won’t charge a fee.

About wedding loans

With the average wedding cost of $35,000, a wedding loan can go a long way towards covering the expenses.

But it’s important you choose the right loan for your needs so you don’t start your married life worrying about debt. Here are some of the most important points to compare when looking at wedding finance.

Unsecured wedding loan

One thing to look for when you’re comparing personal loans is whether they’re secured or unsecured. An unsecured loan doesn’t require your to put up security for the loan so there is less risk involved for the borrower.

All personal loans on Harmoney are unsecured, including wedding loans.

Secured wedding loan

A secured loan uses an asset (such as a house, car or other expensive item) to give your loan provider security. These loans can offer a lower interest rate, but the costs will be much greater if you miss payments and your assets are sold off to recover the cost.

Harmoney does not offer secured loans.

Loan term

While everyone wants to get out of debt as soon as possible, keep in mind that a shorter-term loan will cost more each month. This could make a longer-term loan more affordable, even though you’ll pay more in interest in the long run.

A Harmoney wedding expenses loan can have a 3, 5 or 7 year term.

Fixed or variable rate

When you’re comparing interest rates, there’s more to consider than just the number. You should also decide whether a fixed rate or variable rate is better suited to you.

A variable interest rate changes along with the market rate, while a fixed rate is set in stone when you receive your loan quote. Both have their pros and cons, but a fixed rate loan offers more security and this is the type that Harmoney offers for all personal loans.

See our rates and fees.

Got your eye on a dress?

Apply for a wedding loan and make your big day one to remember.

Got life plans?

Harmoney loans can help you achieve the things that matter.

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When you’re organising medical care, you don’t want to worry about the cost. A medical expenses loan could help to lighten the load.

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Whether you’re planning renovations to add value or enhance comfort in your home, Harmoney can help you to sort out the finance.

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Weddings can be expensive, but you won’t have to compromise on your dream day if you qualify for a wedding loan from Harmoney.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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