Getting a loan when you have a poor credit rating
Getting a loan when you have a poor credit rating can be a challenge, but all is not lost –
Compare wedding loans
- Check your eligibility from a range of loan providers
- Apply today and borrow between £1,000 and £50,000
Why compare wedding loans
Find out which loans you are eligible for without harming your credit score and apply online.
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What is a wedding loan?
A wedding loan is a type of unsecured personal loan used to pay for wedding-related expenses. You borrow a fixed amount and repay it in monthly instalments over a set period — usually between 1 and 7 years.
You can use a wedding loan to fund all or part of your big day, helping you avoid putting everything on a credit card or draining your savings.
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What can I use a wedding loan for?
Wedding loans can be used to cover a wide range of expenses, including:
Venue hire and catering
Wedding attire and rings
Photography and videography
Flowers, décor and entertainment
Transport, accommodation and honeymoon costs
You don’t need to show receipts or invoices — just tell the lender how you plan to use the loan.
What to consider before taking out a wedding loan
Borrowing money for a wedding is a personal decision, and it’s important to think carefully before taking out a loan.
A wedding loan can make it easier to manage your costs and avoid last-minute financial stress. However, it’s still a financial commitment, and the repayments will continue long after the big day.
Consider whether:
The loan fits within your monthly budget
You’re likely to pay more overall due to interest
There are more affordable options available
You’ll still have savings left for emergencies
Say "I do" to less financial stress with a wedding loan
Weddings are one of life’s biggest milestones, and one of the most expensive. From venues and dresses to catering and photographers, the costs can add up fast. A wedding loan could help you spread those costs over time, so you can plan your perfect day with confidence.
At MoneySpider, we make it easy to compare personal loan options tailored to your needs - quickly, clearly, and securely.
Budgeting for your big day
Weddings come with a wide range of costs; from the venue and catering to rings, outfits, and photographers. Using a personal loan can help you spread those expenses, but it’s important to plan your budget carefully.
Start by listing your top priorities, the parts of the day that matter most, and allocate your budget accordingly. Build in a buffer for unexpected costs, and consider how repayments will fit into your life together after the wedding. A clear plan will help you enjoy your big day without carrying unnecessary stress into your future.
FAQ
Need more help?
Can I get a loan just to help with part of my wedding costs?
Yes, you can borrow as much or as little as you need (subject to the lender’s criteria). Some people use a loan to top up their budget for specific parts of the day, such as the venue, catering, or honeymoon.
Do both partners need to apply for the loan together?
Not necessarily. In most cases, the loan will be in one person’s name. However, if you’re applying jointly, both applicants’ income and credit history will be considered, which could increase your chances of approval or better rates.
Is it a good idea to borrow for a wedding?
It depends on your situation. A loan can help spread the cost of a wedding, but it’s still a financial commitment. Always check that the monthly repayments are affordable, and explore alternatives if you’re unsure.
Can I change the repayment amount later?
Usually not, most personal loans have fixed monthly repayments. However, some lenders allow you to make overpayments or pay off your loan early. Check the terms for any early repayment charges.
Will I need to provide any documents to apply?
You’ll typically need to confirm your identity and income. This may include proof of address, a recent payslip or bank statement. You won’t usually need to show receipts or a wedding plan.
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