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Start planning your dream wedding.

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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 Very easy process
Very happy with harmony finance and would definitely recommend
5.0 Fast and professional service.
Staff very quick to respond to my questions.
Greatly appreciated. Thank you. I would highly recommend.
5.0 Amazing service, easy process and everything explained. Would recommend to friends and family australia
5.0 Harmoney have the right checks and balances in place and a great user experience. Highly recommend. australia
5.0 Exceptional service from Harmoney. Their process is straightforward, easy to follow, and boasts a quick turnaround once your loan gets approved. Highly recommended for a hassle-free lending experience. australia
5.0 Harmoney service was so quick and easy use…..no fuss! Will definitely recommend to friends and family australia
5.0 Friendly, prompt and very reasonable. I would recommend harmoney in a New York minute. It’s easy to apply and so helpful. Thank you! australia
5.0 Highly recommended nice easy simple process. australia
5.0 Amazing Customer Service and quick response. Great interest rate too. Would highly recommend Harmoney australia
5.0 Absolutely amazing, easy online application and minimal paperwork. Also wont be charged to pay off early.
Highly recommend
5.0 Very easy and convenient...my wife was right when she recommended your company... australia
5.0 The response time was brilliant, Thank you! australia
5.0 Great service, quick response, very helpful, amazing apps, quick deposit, No hidden cost, transparent, life saver during critical situations & emergency moments, highly recommended. Thank you so much Harmony to save me couple of times so far and you are my life saver. Thanks Harmony team & God bless all of you. Lots of blessings & love. australia
5.0 No stress, calculated swiftly,saved alot of time,much appreciated, recommend! australia
5.0 Very easy experience, the loan terms are easy to understand. I would highly recommend 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 quote

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
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
  • Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

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

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

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100% ONLINE – 24/7

The quote is a fully online process with no face-to-face meetings.

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 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?

Get a quote 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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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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