Have your perfect wedding.

Have your perfect wedding

Have your perfect wedding.

When you’re celebrating love, you shouldn’t be stressing about money. Minimise your big day stress with the help of Harmoney’s Investors.

100% online. No obligation to proceed.

Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney.

Martin W, NSW. Aug 24, 2017
Shopper Approved


Quick Estimate

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Estimated repayments*
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5 yr term
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Comparison rate*
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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% 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 submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $500 applies. Some charges may apply — see Rates and Fees for details.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. 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.

Why get your wedding loan through Harmoney?


100% online application.

You’ve got a lot to organise, so we keep it simple and quick: apply online whenever it suits you, and you could be funded in as little as 24 hours*.


Personalised rates.

Rates from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.)*

You’re unique, and so is your interest rate. Get a loan that works for your needs.


Borrow $5K to $70K, unsecured on 36 or 60 month terms.

No ball and chain – all loans through our marketplace are unsecured, so you don’t have to put your home or car down as collateral.

The first step to your dream wedding

It’s no secret that weddings can be expensive. If you need a little help to make sure your special day is extra special, a wedding loan funded by Harmoney’s Investors could give you a push in the right direction. Complete our simple online application in minutes to find out how much you could be approved borrow. Find out more about our interest rates and fees.

What’s marketplace lending?

Marketplace lending has been called the biggest finance advancement since the ATM. It’s a completely revolutionary way of borrowing and investing that’s taken off worldwide. Harmoney’s Marketplace connects Australians looking for personal loans with Investors who are willing to fund them. We make getting a personal loan simple with our 100% online application process - 95% of loans are fully funded within 24 hours of appearing in the marketplace. Find out more about marketplace lending.

What is Harmoney?

Harmoney is Australia’s newest marketplace lender that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

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 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.

What is Harmoney?

Harmoney is Australasia’s largest licensed marketplace lender that connects Borrowers with Investors. We started revolutionising New Zealand’s finance industry in 2014, and like all good Kiwi innovations, we’ve crossed the ditch to be claimed by Australia. Our system takes the hassle and pain out of getting a loan: complete your application in as little as 10 minutes, 100% online, and if approved, get a no obligation quote with interest rates 6.99% to 28.69% p.a.* (7.69% to 29.55% p.a. comparison rate)*.

Learn more about Harmoney on YouTube, or read more about our team and company story.

Still have questions?

Related reading

*The Legal Stuff

Comparison rate 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. Subject to approval. Credit criteria, fees, charges, terms and conditions apply. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. To apply for a personal loan through Harmoney, you must be an Australian citizen or permanent resident or a New Zealand citizen aged 18 years or older with a valid Australian driver licence or valid Australian or New Zealand passport or an overseas passport with a valid visa. You must have an acceptable credit record, as determined by Harmoney at its discretion.