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WEDDING LOAN

For memories
that last a lifetime

Personalised rates from 6.99% ¹
(comparison rate 7.79%) ²

Our latest awards
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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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DON'T PANIC

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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NO SURPRISES

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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NO ASSETS NEEDED

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

Simple, 100% online

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*.

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.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000 and over ³
  • No monthly account keeping fees

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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PERSONALISED RATE

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

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NO EARLY REPAYMENT PENALTY

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

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100% ONLINE – 24/7

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

4.7/5
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★★★★★

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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EDUCATION COSTS

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

Find out more

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CONSOLIDATE DEBT

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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CAR LOAN

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.

Find out more

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HOLIDAY LOAN

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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BUSINESS LOAN

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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MEDICAL LOAN

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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RENOVATION LOAN

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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WEDDING LOAN

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 live chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

2. Comparison rate of 7.69% p.a. to 29.55% p.a. is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.69% p.a.) to 28.69% p.a. (Comparison Rate 29.55% p.a.) on 36 to 60 month terms, with no early repayment penalties.