Have your
perfect wedding

Apply online in minutes
Rates from 6.99% — 28.69% p.a.* (Comparison Rate 7.69% — 29.55% p.a.)*.
Or call 1300 042 766 (9am - 6pm)

*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 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.

iphone8

Simple 100% online process

1.

How can we help?

Whatever it is is you want to make happen, we're here to help. If you need money for a holiday, let us know and we'll kick things off.

2.

Getting to know you and your finances

As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

4.

Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Trust and Security

trust-shield

$90 Million*

in funded loans.

83,000 members*

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

*Over 380,000 members and billion in funded loans across Australasia.

Harmoney is regulated by the Australian Securities and Investments Commission.

Harmoney Australia Limited ABN 12 604 342 823, holds Australian Credit Licence Number 474726 and Australian Financial Services Licence Number 474726.

Our rates and fees

An overview

Establishment fee
$500
Early termination fee
$0
Loan limits
$5K — $70K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.*)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly

*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 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.

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Wedding loan FAQs

Why should I get a wedding loan?

Weddings in Australia regularly go into the tens of thousands these days. Once you have your ideal wedding drawn up, you might be shocked to see how quickly the costs can add up – once the venue and the catering have been sorted, you’ll have to think about what to wear, how to get to the venue, all the flowers you need, those two little rings and the honeymoon to top it all off.

You shouldn’t have to worry about the finances – or sacrifice things you’ve always wanted to make your dream day a celebration to remember. With loans from 6.99% to 28.69% p.a.* (7.69% to 29.55% p.a. comparison rate)* through Harmoney, you can easily increase your budget without going overboard.

What can I use a wedding loan to pay for?

Your loan can be used to pay for just about any aspect of your wedding; from the venue, to the honeymoon, the outfits or the rings.

Budgeting for a wedding can be difficult and a short-term loan could help make things more manageable, not to mention allow you to get the best deal on some items, with the flexibility to snap up deals when they appear, or negotiate with the strength of a cash buyer. Harmoney’s loans come in standard 36 or 60 month terms, but if you come by a windfall and want to pay off your loan early, there are no penalties for early repayment.

How much do I need to borrow for a wedding?

Each wedding is as unique as the couple getting married. While not everyone will want to match the $34m spent by Prince William and Kate Middleton, many people spend upwards of $30,000 for a wedding these days.

How much you have in savings, what your plans are, whether or not your family is contributing and what you’re able to comfortably repay will all have an impact on how much you might be looking to borrow.

By creating a list of your major expenses – such as the venue, catering and alcohol costs – you can begin to get a picture of how large the final bill will be.

Whether you need an extra $5,000 for a few deposits or you want $70,000 to start your married life with a truly extravagant do, applying for a wedding loan could be a big help on the big day.

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of the other 30+ specialists.

Terms & Conditions

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% — 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.

Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 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.