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  1. Home
  2. Borrow
  3. Wedding Loans

Loans

Wedding Loans

Compare UK wedding loans for venue, catering, outfits, photography, honeymoon and other wedding costs. Check representative APRs, borrowing amounts, terms and eligibility before you apply.

Rates depend on your circumstances and the lender’s assessment. Credit is subject to status. Product data last checked 24 August 2026.

Verified lender data

Rates and terms from official product information

Clear rates & fees

Compare APR, amounts, terms and funding speed

Soft eligibility checks

Where offered, checking eligibility usually does not affect your credit score

Loans

Choose your loan type

All loan types

Personal Loans

Flexible unsecured borrowing for a wide range of needs.

Compare

Secured Loans

Property-backed borrowing for homeowners — understand the risks first.

Compare

Debt Consolidation Loans

Combine multiple debts into one monthly repayment.

Compare

Home Improvement Loans

Fund renovations, extensions and household projects.

Compare

Wedding Loans

Spread eligible wedding costs over fixed monthly repayments.

Bad Credit Loans

Explore lenders that may consider a wider range of credit histories.

Compare

Wedding budget

Estimate how much you may need to borrow

Add your expected wedding costs, then subtract savings and other contributions to estimate the amount you may need to borrow.

Wedding costs

Adjust each category to match your plans.

Money already available

Savings and contributions reduce the amount you may need to finance.

Your estimate

Estimated wedding cost
£25,750
Money already available
− £5,000

Potential amount to borrow

£20,750

This is an illustrative budgeting estimate, not a recommendation to borrow.

  • Estimate your wedding budget first
  • Compare APRs, terms and amounts
  • No-impact eligibility checks where available
  • Credit subject to status

Filters

Loan security

All loans shown are unsecured personal loans. Your home is not used as security for these products.

APR

Eligibility

Availability

Joint loan

Funding speed

Fees & repayment

Provider

Your loan

You may need to borrow £20,750

Adjust the amount if needed and choose how long you would like to repay it over.

£

Enter an amount between £1,000 and £50,000.

over

Loan availability and rates are subject to eligibility.

Not sure how much you need?

Use the wedding budget estimator above to work out a funding gap before comparing loans.

Back to wedding budget estimator →

Before borrowing for your wedding

A wedding is a one-off expense, but loan repayments may continue for several years. Compare the total amount repayable as well as the monthly payment, and only borrow what you can comfortably afford.

How personal loans work

Compare wedding loans

£20,750 over 5 years

9 matching loans

Comparison methodology →
first direct

first direct Wedding Loan · Unsecured personal loan

first direct current account customers only
Joint loan available

5.9%

APR*Representative APR band

£1,000–£50,000

Loan amount

1–8 years

Loan term

Funds available right away if approved

Funding

*5.9% representative APR applies to loans from £10,000–£30,000. Your rate depends on the amount borrowed and your circumstances.

Availability

first direct current account required

  • Overpayments allowed
  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Apply now

Eligibility and terms are subject to lender assessment.

Apply now

Eligibility and terms are subject to lender assessment.

M&S Bank

M&S Wedding Loan · Unsecured personal loan

Soft eligibility check
No arrangement fee

5.9%

APRIllustrative APR

£1,000–£30,000

Loan amount

1–7 years

Loan term

No arrangement fee

Fees

  • Overpayments allowed
  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Nationwide

Nationwide Wedding Loan · Unsecured personal loan

Existing customers only
Soft eligibility check
Joint loan available

5.9%

APRRepresentative APR

£1,000–£50,000

Loan amount

1–10 years

Loan term

No arrangement fee

Fees

Availability

Nationwide current account, savings account or mortgage required

  • No arrangement fee
  • Overpayments allowed
  • No early repayment fee

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

TSB

TSB Wedding Loan · Unsecured personal loan

Soft eligibility check

6.1%

APRRepresentative APR

£1,000–£25,000

Loan amount

1–5 years

Loan term

Same-day possible

Funding

  • Overpayments allowed
  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Halifax

Halifax Wedding Loan · Unsecured personal loan

Soft eligibility check

7.4%

APRRepresentative APR

Up to £35,000 / £50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Borrowing limits

Non-customers up to £35,000; current-account holders up to £50,000

  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Lloyds

Lloyds Wedding Loan · Unsecured personal loan

Existing customers only
Soft eligibility check

7.4%

APRRepresentative APR

£1,000–£50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Availability

Yes for online route – Lloyds/Halifax/Bank of Scotland current account held at least 1 month

  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

HSBC

HSBC Wedding Loan · Unsecured personal loan

Soft eligibility check
Joint loan available
No arrangement fee

Personalised

APRPersonalised rate

£1,000–£30,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

  • Overpayments allowed

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

NatWest

NatWest Wedding Loan · Unsecured personal loan

Soft eligibility check
Joint loan available

Personalised

APRPersonalised rate

Up to £35,000 / £50,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

Borrowing limits

New customers up to £35,000; existing customers up to £50,000

  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Tesco Bank

Tesco Bank Wedding Loan · Unsecured personal loan

Clubcard rate available
Soft eligibility check
Joint loan available

Personalised

APRPersonalised rate

£3,000–£35,000

Loan amount

1–10 years

Loan term

Within 1 working day

Funding

Clubcard rate

Lower Clubcard rate applies only with a qualifying Clubcard

  • Overpayments allowed
  • Unsecured loan

Wedding costs may be permitted where the lender allows a wedding or general personal-loan purpose. Confirm permitted uses with the lender before applying.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Product information

Last checked: 24 August 2026

Source: Official lender product information.

Representative APRs and product details are taken from verified lender disclosures and may change. Your rate and loan amount depend on your circumstances. Credit subject to status. Always confirm current terms on the provider’s website before applying.

Sort order is factual (comparable APR, amount, term or funding speed) — not affiliate commission. Comparison methodology →

Illustrative repayments

What could £20,750 cost to repay?

Use our loan calculator to explore illustrative monthly repayments, total interest and how repayment terms can affect the overall cost. Examples are illustrative only — actual offered rates may differ from representative APRs.

Your details

£
%

Enter the annual interest rate charged on the loan. APR may be higher because it can include fees and other borrowing costs.

£

Optional extra amount paid towards the loan each month.

Estimated monthly repayment

£406.00

Scheduled repayment before optional overpayments

Total interest

£3,609.85

Total repayable

£24,359.85

Original term

5 years

Actual payoff time

5 years

Estimated payoff

September 2031

Estimate from today

This calculator provides illustrative repayment estimates only. It does not assess eligibility or guarantee the rate, APR or terms a lender will offer. Unless entered above, lender fees and other borrowing costs are not included.

Compare different scenarios

Illustrative scenarios only. Actual lender rates and terms may differ.

Rate scenarios

  • Current rate

    6.50%

    £406.00/month

    Interest £3,609.85

  • +1%

    7.50%

    £415.79/month

    Interest £4,197.25

  • +2%

    8.50%

    £425.72/month

    Interest £4,793.08

How your loan balance changes

Chart view

Loan repayment schedule

PeriodOpeningPaymentInterestPrincipalOverpaymentClosing
Y1£20,750.00£4,871.97£1,241.87£3,630.10£0.00£17,119.90
Y2£17,119.90£4,871.97£998.75£3,873.22£0.00£13,246.68
Y3£13,246.68£4,871.97£739.36£4,132.61£0.00£9,114.07
Y4£9,114.07£4,871.97£462.59£4,409.38£0.00£4,704.69
Y5£4,704.69£4,871.97£167.28£4,704.69£0.00£0.00

Saved results

Save a calculation to compare scenarios later on this device.

How the loan calculator works

  • Each repayment includes interest charged on the outstanding balance and a portion that reduces the principal.
  • Early payments usually contain a higher proportion of interest.
  • As the balance falls, less interest is charged on each remaining period.
  • Overpayments reduce principal faster, which can cut interest and shorten the term.

Interest rate

The rate used to calculate the interest charged on the outstanding loan balance.

APR

APR is designed to help compare borrowing costs and may include certain fees as well as interest. A loan with the same interest rate can have a higher APR if additional compulsory fees apply. Read the APR guide for how representative APR is advertised in the UK.

This calculation is an illustration only and is not a loan offer, credit decision or assessment of eligibility. Actual lender rates, APRs, fees and repayments may differ.

Ready to compare loans?

Use your estimate as a starting point, then browse live loan comparisons — or read about property-secured options first.

Compare personal loansSecured loans explained

Decision support

Is borrowing for a wedding right for you?

This is general information, not a recommendation about whether you should borrow.

  • Borrowing increases the total cost of the wedding because interest and fees may apply.
  • Longer repayment terms may reduce monthly payments while increasing total interest.
  • Savings and contributions can reduce the amount that needs financing.
  • Lender maximum amounts are not recommendations of what someone should borrow.
  • Compare total repayment as well as headline APR before deciding.
  • Only borrow what you can comfortably afford to repay alongside other commitments.

Borrowing amount

How much should you borrow for a wedding?

Start with your total wedding budget, subtract savings and other contributions, then consider whether borrowing the remainder is affordable. These ranges are illustrative, not recommendations.

Smaller shortfall

£1,000–£5,000

Examples: Outfits, photography, deposits or final balances

Mid-size shortfall

£5,000–£15,000

Examples: Venue, catering or several combined costs

Larger shortfall

£15,000+

Examples: May create significantly higher monthly repayments and total interest

Common costs

What can a wedding loan be used for?

A wedding loan is normally an unsecured personal loan rather than a special regulated category of credit. Permitted purposes depend on the lender.

Venue

Deposits, venue hire and ceremony costs.

Catering

Food, drinks and service costs.

Photography & video

Photographer, videographer and albums.

Outfits

Wedding dress, suits and alterations.

Rings

Wedding bands and related costs.

Entertainment

Bands, DJs and entertainment.

Decorations

Flowers, styling and venue decoration.

Honeymoon

Travel and accommodation where permitted.

Your rate

What affects the interest rate you receive?

Representative APR is not a guaranteed personal rate.

Credit history

Past borrowing and repayments.

Income

Income level and stability.

Existing debt

Current loans, cards and financial commitments.

Loan amount

Rates can vary by borrowing band.

Loan term

Different terms may have different pricing.

Affordability

Lenders assess whether repayments appear sustainable.

Compare borrowing

Wedding loan or credit card?

A 0% purchase card can be cheaper for some borrowers if the full balance is repaid before the promotional period ends, but eligibility and credit limit matter.

Personal / wedding loan

  • Fixed borrowing amount
  • Fixed repayment schedule
  • Often fixed APR
  • Useful for larger planned costs
  • Interest charged according to loan terms

0% purchase credit card

  • May offer an interest-free purchase period
  • Credit limit may be lower
  • Promotional period eventually ends
  • Requires disciplined repayment before the offer expires
  • Rate after the offer can be significantly higher
Compare 0% Purchase Credit Cards

Borrowing or using savings?

Keeping an emergency buffer may be more important than preserving savings purely to finance discretionary spending. This is general information, not personal advice.

Use savings

Pros

  • No borrowing interest
  • No new debt
  • Simpler finances

Consider

  • Emergency savings may be reduced
  • Rebuilding savings takes time

Use a loan

Pros

  • Preserves some savings
  • Fixed monthly repayments
  • Spreads cost over time

Consider

  • Adds interest cost
  • Creates a longer financial commitment
  • Missed payments can affect credit

Affordability

Should you borrow for your wedding?

Educational guidance only — not personalised financial advice.

Borrowing may be worth exploring if

  • You know the total amount required
  • Monthly repayments comfortably fit your budget
  • You have compared alternative ways to pay
  • You understand the total repayable
  • You can still maintain an emergency buffer
  • You can afford repayments even if costs rise elsewhere

Borrowing may be less suitable if

  • Repayments would stretch your monthly budget
  • You already have expensive debt
  • You are borrowing primarily to increase the wedding budget
  • You have no emergency savings
  • You expect major financial commitments soon
  • Missing repayments would create financial difficulty

Total cost

Look beyond the monthly payment

A longer loan term can reduce monthly repayments but may increase the total amount of interest you pay. Illustrative example only.

£10,000 over 5 years at 7% APR

Estimated monthly payment
£198.01
Estimated total repayable
£11,880.72
Estimated interest
£1,880.72

£10,000 over 3 years at 7% APR

Estimated monthly payment
£308.77
Estimated total repayable
£11,115.75
Estimated interest
£1,115.75

Higher monthly payment, lower total interest

Example loan £10,000 · illustrative APR 7% · not a quote.

Financial planning

Consider your finances after the wedding too

Wedding costs should be considered alongside your post-wedding finances. New household costs, moving, renting or buying a home, childcare plans and existing debts can all affect how comfortable a loan repayment feels later.

  • Emergency fund
  • Existing debts
  • Rent / mortgage plans
  • Moving costs
  • Household bills
  • Future savings goals

Eligibility

Will comparing wedding loans affect your credit score?

Soft eligibility check

Where offered, this normally does not affect your credit score.

Full application

A lender will usually perform a hard credit search when you formally apply.

Multiple applications

Several hard searches over a short period may affect your credit profile.

Check your credit score

Checklist

Before applying for a wedding loan

  • Set a realistic wedding budget
  • Include a contingency for unexpected costs
  • Subtract your savings and contributions
  • Decide the maximum amount you need
  • Compare representative APRs
  • Compare total repayable
  • Compare loan terms
  • Check early repayment rules
  • Use soft eligibility checks first where available
  • Check the monthly repayment against your post-wedding budget
  • Avoid borrowing more simply because a lender offers it
  • Verify the final terms directly with the lender

Can you get a wedding loan with bad credit?

Some lenders consider applicants with weaker credit histories, but available rates may be higher and borrowing limits may differ. Checking eligibility before formally applying can help reduce unnecessary hard searches where a lender offers a soft-search tool. Approval is never guaranteed.

Compare Bad Credit Loans

Can you repay a wedding loan early?

Many lenders allow overpayments or early settlement, but charges can vary. Check the lender’s early repayment terms before applying.

Overpayment

Paying extra while keeping the loan open.

Early settlement

Repaying the remaining balance and closing the loan.

FAQs

About wedding loans

Quick answers before you compare or apply.

Our methodology

How we compare wedding loans

Commercial relationships do not determine factual product information or our editorial guidance.

  • Representative APR
  • Loan amount
  • Repayment term
  • Soft eligibility tools
  • Decision / funding speed
  • Arrangement fees
  • Early repayment rules
  • Credit profile
  • Lender information
  • Source freshness

Full detail: Comparison Methodology →

How we review wedding loan information

Last reviewed: 24 August 2026. Rates and eligibility information checked: 24 August 2026.

  • UK-focused editorial research
  • Loan information checked against lender sources
  • Representative APRs reviewed
  • Loan ranges and terms reviewed
  • Eligibility-check information reviewed
  • Fees and early-repayment terms reviewed where published
  • Commercial relationships do not determine factual loan information
  • Editorial Guidelines
  • Comparison Methodology
  • How We Make Money
  • Corrections Policy

Sources and product information

Rates, terms and eligibility information are checked against lender information. Products and rates can change, so always confirm the final terms directly with the lender before applying. Data last checked: 24 August 2026.

  • Financial Conduct Authority
  • MoneyHelper

Reviewed by Teresa Mary, Chief Finance Editor.

Spotted an error? contact@witfinancegroup.com

Continue exploring

Personal Loans

Compare unsecured personal loans across purposes.

Explore

Bad Credit Loans

Options if your credit history is imperfect.

Explore

Debt Consolidation Loans

Combine debts into one clearer repayment.

Explore

Credit Score

Understand soft and hard credit searches.

Explore

0% Purchase Credit Cards

Compare promotional purchase periods carefully.

Explore

Loan Calculator

Estimate monthly repayments before you apply.

Explore

How APR works

What representative APR means for borrowers.

Explore

Budgeting tools

Plan spending and repayments with our calculators.

Explore

Related

Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

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  • 0% purchase credit cards
  • Loan repayment calculator
  • Compare UK savings accounts