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Personal loans Wedding loans


For memories
that last a lifetime

Personalised rates from 5.35% ¹
(comparison rate 6.14%) ²

Our latest awards
finder award 2019 v2
mozo award 2018
rate city 2020 v2
mozo award 2018 v2

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 Brilliant to deal with Australia
5.0 This was so quick! Can't believe how quick! I am totally going to recommend Harmony Finance to all my family and friends. Thank you! Australia
5.0 The customer service officer was polite and great help. we have used you before and find it easy .Would recommend to other people Australia
5.0 It was a good experienced. Highly Recommended. Thank heaps.... Australia
5.0 Ultimate Customer Experience From Start To Finish Highly Recommend Australia
5.0 So quick and easy and will definitely be recommending your services to others! Australia
5.0 Excellent service, this is my second ;loan :), would highly recommend Harmony Australia
5.0 Easy to read and understand, will recommend Harmony to friends and family Australia
5.0 Fast and Quick Process, Gave mulitple options for payments, easy upload of Bank Statements, Highly Recommend. Australia
5.0 Excellent service. Highly recommended. Easy to complete, and very fast review times. I'll be using this service again. Australia
5.0 Very quick turnaround and very fair! Can recommend to anyone! Australia
5.0 I would definitely recommend giving these guys a go!! Australia
5.0 Fast easy and great to deal with! Highly recommended!!! Australia
5.0 Very satisfied with harmony experience I had is that they worked very quickly and I would recommend harmony to my friends and thank you again Australia
5.0 Fantastic. Definitely recommend . Australia
5.0 Really great service and happy to continue with Harmony..Highly recommend Australia
5.0 Absolutely fantastic process and customer service. Definately will recommend to friends! Australia
5.0 I Recommend Harmoney for Fast, Hassle free loans with professional staff available for any questions for quick response via phone ,and online. Australia
5.0 Awesome service, very professional and lightening fast approval , provided u satisfy their requirements, can’t recommend enough to other clients !! Australia
5.0 Easy application process and good communication. Definitely recommend. :) Australia
5.0 WHat a brilliant seamless experience! Well done on designing a great site, process and service. This is how lending should be! Australia
5.0 Amazing and fast rocess. Very efficient and pleasant would highly recommend! Australia
5.0 The application process is so easy. I completed it while eating dinner. Australia
5.0 Seamless process with a quick response. Highly recommended. Australia
5.0 Brilliant Australia
5.0 Can’t believe how seamless the process has been. Brilliant Australia
5.0 very efficient system - highly recommend Australia
5.0 The whole application process was easy, quick and simple to use - very impressive and would definitely recommend to others. Australia
5.0 Without doubt Harmoney is exceptional.
Easy user friendly process and loan approved in 10 minutes
Recommend Harmoney above major banks for personal loans done in the convenience of your on home
5.0 Brilliant ! Australia
5.0 This is the 2nd time I am applying & I was hundred percent satisfied with the service rendered by Harmoney & would highly recommend it to anyone. They are even much better than banks. Australia
5.0 Super fast applying no fuss and about. Whatever they can offer is acceptable for me. Recommended. Australia
5.0 Brilliant service from harmoney, happy customer from a harmonious company thank you Australia
5.0 Always excellent would recommend harmoney to everyone. Australia
5.0 Great! Seamless experience! Highly recommended! Thank you. Australia
5.0 Very efficient and prompt service.
I will be recommending your company to my friends in the mining industry we are a small close community.
Thank you
Leon Castle
5.0 Second time I've used Harmoney and I must say, I've found the whole process very painless, quick and easy. The interest rate are far lower than any credit card and you have the option to pay back early if possible. I would recommend Harmoney to others. Australia
5.0 Easiest application process I've ever seen and completed. Extremely fast approval! Highly recommend Australia
5.0 The Staff at Harmoney, are professional and very helpful in every way. i would recommend them to every one Australia
5.0 Harmoney have been fantastic to deal with, solid communication, streamlined process.
Would not hesitate in recommending Harmoney to anyone looking to consolidate finances or take out a personal loan.
5.0 Easy online process and quick approval, highly recommended Australia
5.0 Highly recommend Australia
5.0 Very impressed with easy-to-follow process and very quick response!

I particularly liked the 'fully online' process. I had been putting off debt consolidation for some time now, dreading all the efforts required to go the bank and do a very lengthy processes, but Harmoney experience ensured that I did not have any further excuse not to sort out my financials and take some control of my debts.

Thank you for wonderful experience and your support through this process - will definitely recommend your website to anyone who is in the similar situation and is looking for some debt consolidation.

Best regards,
5.0 Amazingly efficient and informative, highly recommended Australia
5.0 This experience has been quick and easy... I highly recommend Harmoney !! Australia
5.0 Highly recommend using Harmoney-Au it is easy to apply and staff are very helpful.
Thank for your help Ron.
Vic, Australia
5.0 definitely will be highly recommending harmoney! Australia
5.0 I was very impressed with Harmoney it was so easy to do online and and at the end you got the results back quickly. I would highly recommend Harmoney to anyone. Thank you for my loan I very much appreciate it. NSW, Australia
5.0 Fast,easy, great experience, would recommend Harmony. Australia
5.0 Brilliant ! Thank you Australia
5.0 I would not hesitate to recommend Harmoney to anyone. The online application was smooth and hassle free and I was updated regularly about the progress and outcome of my application. Thumbs up to Harmoney. Vic, Australia
5.0 amazingly quick, love it highly recommend it to others Australia
5.0 Absolutely brilliant, taken all the usual hassle out of applying for funds. Australia
5.0 Been very helpful would definitely recommend Australia
5.0 Easy process, would recommend Australia
5.0 Brilliant Service, so fast and efficient Australia
5.0 Harmoney is a fantastic organisation and comes highly recommended in its expertise, supportiveness, responsiveness and great efficiency! Many thanks. Australia
5.0 Ron is just brilliant very helpful Australia
5.0 The application process is so quick and easy. Interest rates great. Would definitely recommend Australia
5.0 Lenny was fantastic and made the whole process very easy with none of the tech talk. Highly recommend him Vic, Australia
5.0 I highly recommend Harmony Personel Loans. Australia
5.0 Harmoney is very easy and quick. Highly recommended Australia
5.0 Harmoney au has great customer service people who are very helpful and very easy to deal with. I would recommend Harmoney to anyone. NSW, Australia
5.0 I just can't believe how easy the whole experience has been. Crossing fingers that everything is approved but so grateful to have found Harmoney. Will definitely recommend to anyone seeking financial assistance. Australia
5.0 Very quick & easy process, highly recommend Harmoney Qld, Australia
5.0 Great service really helpful will recommend to my fellow workmates Australia
5.0 Quick easy process freindly helpful service,and fast including operators,2min wait which is very rare these days recommend to family and freinds Australia
5.0 Fast and wonderful service. I would definitely recommend to others. Vic, Australia
5.0 The best service provider I have ever researched. So efficient, fast, reliable and effective outcome instantly. No hassle, no if, no but, no please provide details etc. No surprises. Super robot!! Highly recommended to all Australia
5.0 Have found the service at Harmoney exceptional both online and phone service, highly recommend. Australia
5.0 It was quick see less and easy would recommend to my friends Australia
5.0 A great service, fast and efficient. Highly recommended Vic, Australia
5.0 The application process is the most user-friendly we've come across, and doesn't waste your time. Definitely recommended. Australia
5.0 Excellent service especially from Ron @ customer service.

Definitely a life saver.

Will recommend this service to everyone.

Simmie Loban
Qld, Australia
5.0 Very easy process - received the funds the next morning - would highly recommend Vic, Australia
5.0 Wow amazing. Very quick and quick application process .lol.. Thank you guys awesome experience. Most definitely intend too recommend to my friends and family within the future. Again with thanks... Australia
5.0 We have used Harmoney previously & everything went so smoothly, recommended one of our daughters who also has an account now. Australia
5.0 great service very helpful highly recommended Australia
5.0 A smooth transaction without any pain - will definitely recommend! Australia
5.0 Harmoney are the best professional lenders out there. From inquiry to finalising my loan, i was treated in a professional manner and they even went ahead to ask me if i needed anything more or any clarifications. I felt at home and well taken of, and definitely you are the people i will recommend to my friends and i will be back when i need your services again. I will give Harmoney a 10 star rating instead of the normal 5 star. Keep up Harmoney in taking care of people who need your services. Australia
5.0 Process is very simple & excellent customer service,will highly recommend to family and friends. Australia
5.0 Absolutely brilliant! Australia
5.0 It was great, i will recommended to friends Australia
5.0 my harmoney experience has been excellent and i will highly recommend to my friends. Australia
5.0 This has been a very simple, straight forward and upfront process - whilst i wasn't able to secure finance for the entire amount at this time, the team did an awesome job and were very prompt. i would definitely recommend them, and we will use them again! Australia
5.0 I was skeptical with Harmoney at first but they are brilliant and very professional, nothing is a hassle and go out of your way yo help you Australia
5.0 Great experience. Must recommended. Australia
5.0 Very Quick, pain free loan application. Highly recommend Australia
5.0 Experience has been pleasant and easy. I would unreservedly recommend your company. Australia
5.0 Great staff support will definitely recommend to others Australia
5.0 Excellent i was so shoked for having approved with in minutes specialy my own bank my pay go in and years and year they declined me straight after i applied and approved
I Really needed the loan to finish my home
very reliable excellent customer service
i do recommend
NSW, Australia
5.0 Thank you so much so easy in the end I’ll recommend you guys to everyone I know and I know a lot of Australia
5.0 Mia the customer service lady was friendly and very helpful. She helped me through my application. Will definitely recommend Harmoney Australia
5.0 excellent experienceso far....would recommend tge service Australia
5.0 I had a great shopping experience with Harmoney. Josefa Vitayaki was very helpful and did a wonderful job in assisting me with my online application and querries. I definitely will recommend Harmoney to my friends and family. Australia
5.0 Absolutely amazed at the extremely seamless, efficient and pain-free process! Totally electronic from start to finish and very satisfying. Highly recommend the application and approval process. Vic, Australia
5.0 Absolutely brilliant and seamless service - thank you! Australia
5.0 Easy, quick service and stress free. Highly Recommended Australia
5.0 Fantastic service highly recommend this to friends or family and anyone else. Staff have been wonderful and very helpful and friendly thanks for your service and help 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 - $50K

Loan limits
3 or 5 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 or 5 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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Having your own wheels is a necessity in most parts of the country. An online car loan can fund your new or used vehicle purchase.

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An education expenses loan helps to cover the costs involved in studying, leaving you free to concentrate on your education.

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A debt consolidation loan is a personal loan that replaces multiple existing debts, so you’ll only have one monthly repayment to make.

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If you want to take advantage of travel discounts or book your trip in advance, a holiday loan can give you the money you need now.

Find out more

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Get the financial support you need to start your own business or take it to the next level with a small business loan from Harmoney.

Find out more

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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.

Find out more

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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.

Find out more

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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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