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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

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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 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 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
5.0 Great to deal with. Would definitely recommend. australia
5.0 So easy and professionally managed - highly recommended australia
5.0 Very easy certainly will recommend to my friends. australia
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
5.0 I would recommend this company to everybody australia
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
5.0 Just Brilliant service . very efficient and to the point australia
5.0 Excellent customer service, highly recommended!!! australia
5.0 Very professional and competent process I would highly recommend australia
5.0 Brilliant loan company !! australia
5.0 Easy and simple process, helpful staff, will be recommending!! australia
5.0 Fantastic service wonderful staff would definitely recommend to people I know australia
5.0 Absolutely brilliant, can't thank Harmoney enough australia
5.0 Very smooth process would highly recommend australia
5.0 Harmoney, my heartfelt thanks for approving my top-up loan to help consolidate my debts. My financial hardship throughout the pandemic will become a little easier due to your compassionate response to my application. I will definitely recommend your services to family & friends if the situation arises. australia
5.0 Never has it been easier for me to get a loan until I came across these guys would recommend to other people australia
5.0 I found my loan application very easy and super fast great work guys will highly recommend use australia
5.0 Great experience. So easy, quick and loved how someone was there to answer all my questions. Would definitely recommend! australia
5.0 Fast & efficient service - will recommend to friends australia
5.0 Brilliant australia
5.0 Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 very easy to apply and fair decision! would definitely recommend to friends and family australia
5.0 Very quick, smooth, clear and understanding. Very much recommend to others in need of urgent funds. australia
5.0 I could not recommend Harmoney enough! Staff are very helpful and great customer service, great communication. Very easy process to complete loan application. I can’t fault at all. 10/10 australia
5.0 Harmoney are the best, i will recommend it to everyone whos struggling out there, they gave me a chance when no ones will,

From the bottom of my heart, I thank you to all Harmoney Staff
5.0 So quick and easy would 100% recommend to anyone I know australia
5.0 I’ve recommended your service to others who are looking different options than a bank Australia
5.0 Easy to use site and very responsive. Recommended for sure Australia
5.0 It was easy, simple and fast. Would highly recommend. Australia
5.0 So far it has been easy. I can't believe the ball is moving as quick as it is. Definitely will recommend to family and friends. Australia
5.0 Been with Harmoney for years now, Highly Recommend Australia
5.0 Great loan provider with friendly and caring staff! I highly recommend using harmoney. Australia
5.0 Hey so quick very impressed will recommend to other customers Australia
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

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 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

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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.

Find out more

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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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