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Compare wedding loans to fund your big day

Consider one of these top picks to cover the big expenses that come along with your big day.

Editor's choice: LendingClub personal loans

LendingClub personal loans logo
  • Less strict eligibility requirements
  • Quick turnaround time
  • High Trustpilot rating
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While there are a variety of ways you can pay for your wedding, a personal loan provides the funding you need in one lump sum. And it can cover up to the full cost.

These five lenders make our list because they offer large loan amounts, have relatively competitive starting rates and all allow you to use your loan funds to finance your wedding. But if they don’t suit your needs, there are other lenders — and financing options — that you can use to make your wedding memorable.

5 best personal loans for weddings

LightStream personal loans logo
Finder Rating: 4.83 / 5


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at LightStream personal loans's secure site

Best for long loan terms: LightStream personal loans

Good to excellent credit
Min. Credit Score
Starting APR
Max Loan Amount
LightStream offers some of the most competitive terms out there and is backed by Truist. If you plan on having a larger wedding and want a longer term to pay it off, LightStream may be a good choice. But you'll need good to excellent credit to qualify — typically 670 or higher — and you won't be able to see your rates before your credit is checked.


  • Autopay discount up to 0.5%
  • Backed by Truist Bank


  • No preapproval process
  • Good to excellent credit required
  • No customer service number
Loan Amount $5,000 – $100,000
APR Competitive
Interest Rate Type Fixed
Turnaround Time Varies
*Payment example: Monthly payments for a $10,000 loan at 5.95% APR with a term of 3 years would result in 36 monthly payments of $303.99.

Truist Bank is an Equal Housing Lender. © 2020 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
SoFi personal loans logo
Finder Rating: 4.3 / 5


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at SoFi personal loans's secure site

Best for avoiding fees: SoFi personal loans

Min. Credit Score
Starting APR
Max Loan Amount
If you and your spouse are young professionals, SoFi may be a good choice. Its personal loans come with a slew of career development opportunities, and rates start at a low 5.99%. But it can take up to a month for SoFi to fund your loan, so you'll need to prepare well ahead of schedule to ensure you have your funds when you need them.


  • No origination or late fees
  • Multiple member benefits
  • APR starts at 5.99%


  • Turnaround up to 30 days
  • Good to excellent credit required
  • Recent lawsuit from the FTC
Loan Amount $5,000 – $100,000
APR 5.99% to 18.85%
Interest Rate Type Fixed
Min. Credit Score 680
Min term 24 months
Max term 84 months
Turnaround Time Up to 30 days
Fixed rates from 5.99% APR to 18.85% APR (with AutoPay). SoFi rate ranges are current as of February 25, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
Upstart personal loans logo
Finder Rating: 4.15 / 5


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at Upstart personal loans's secure site

Best for borrowers with bad credit: Upstart personal loans

Min. Credit Score
Starting APR
Max Loan Amount
Although Upstart has a high maximum APR, it does start relatively low at 8.69% — which is competitive for borrowers without the best credit. Its loan terms are also limited, but you can borrow up to $50,000. And unlike other lenders, Upstart will consider your education and career in addition to your credit score when you apply.


  • Accepts credit scores as low as 580
  • Loans up to $50,000
  • Education and career background considered


  • APR up to 35.99%
  • Potential origination fee of 0% to 8%
  • Only 3- and 5-year terms available
Loan Amount $1,000 – $50,000
APR 7.68% to 35.99%
Interest Rate Type Fixed
Min. Credit Score 600
Min term 36 months
Max term 60 months
Turnaround Time 1 to 3 business days
Marcus by Goldman Sachs personal loans logo
Finder Rating: 3.8 / 5


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at Marcus by Goldman Sachs personal loans's secure site

Best for members of the military: Marcus by Goldman Sachs personal loans

Min. Credit Score
Starting APR
Max Loan Amount
Marcus by Goldman Sachs offers higher rates than some of its competitors for borrowers with good to excellent credit. But members of the military may qualify for an APR as low as 4%. Paying on time also has its benefits — and you can apply with a joint bank account.


  • APR as low as 4%
  • Rewards for on-time payments
  • Can change payment due date


  • Interest added for late payments
  • Lower loan amounts than other lenders
  • High APR of 19.99%
Loan Amount $3,500 – $40,000
APR 6.99% to 19.99%
Interest Rate Type Fixed
Min. Credit Score 660
Min term 36 months
Max term 72 months

Marcus By Goldman Sachs® Offer Terms and Conditions

Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.

Fiona personal loans logo
Finder Rating: 4.25 / 5


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at Fiona personal loans's secure site

Best for comparing multiple lenders: Fiona personal loans

Min. Credit Score
Starting APR
Max Loan Amount
Fiona is a connection service, not a lender. Fortunately, the lenders it works with accept a wide range of borrowers — provided you're at least 21. You can apply with a coapplicant so you and your future spouse have joint responsibility on the loan, and you may be able to score an APR as low as 4.99%.


  • Large network of lenders
  • Accepts coapplicants
  • Fair credit OK


  • May receive marketing materials after applying
  • Potential origination fee up to 6%
  • At least 21 years old
Loan Amount $1,000 – $100,000
APR 4.99% to 35.99%
Interest Rate Type Fixed
Min. Credit Score 670
Min term 24 months
Max term 84 months
Turnaround Time Varies by lender

See more personal loan options

Check out even more lenders by selecting your credit score range and which state you live in.

Name Product Filter Values APR Min. Credit Score Loan Amount
Best Egg personal loans
5.99% to 29.99%
$2,000 - $50,000
A prime online lending platform with multiple repayment methods.
SoFi personal loans
5.99% to 18.85%
$5,000 - $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$1,000 - $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Monevo personal loans
3.49% to 35.99%
$500 - $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.
Tally+ Express
7.9% to 29.99%
$2,000 - $30,000

Only available for Line of Credit and Debt consolidation

Upgrade personal loans
5.94% to 35.97%
$1,000 - $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LendingClub personal loans
8.05% to 35.89%
$1,000 - $40,000
A peer-to-peer lender offering fair rates based on your credit score.

Compare up to 4 providers

How to prequalify for a personal loan

Before you and your future spouse commit to a large loan, see what rates you may qualify for by following these steps:

  1. Set an ideal budget for your ceremony.
  2. Compare lenders and other financing options.
  3. Submit an application for preapproval with three or four lenders.
  4. Review your potential APR, monthly payment and total cost for each loan.
  5. Select the option that best suits your budget.

Some lenders, like LightStream, don’t allow you to prequalify for a loan. To keep hits to your credit score at a minimum, apply for preapproval with lenders that offer it first. Then you can check your rates with other lenders that require a hard credit check.

Other financial obligations to consider for the wedding

When you’re preparing your budget and determining how much you need to spend, keep these common wedding costs in mind:

  • Engagement party invites
  • Engagement party venue
  • Engagement party food and drinks
  • Bachelor or bachelorette party and bridal showers
  • Wedding invites and thank you gifts
  • Bride and bridesmaids dresses and accessories
  • Groom and groomsmen suits and accessories
  • Flower girls, ushers and pageboys
  • Wedding location and marriage officiant
  • Reception location, catering and decorations
  • Photography and videography costs
  • Entertainment considerations
  • Make up, hair and facials for bride and bridal party
  • Transport to and from wedding
  • First night hotel stay
  • Honeymoon

3 factors to consider before taking out a wedding loan

Before applying for a wedding loan you and your future partner should sit down and discuss your financial situations so you both fully understand the financial commitment you’re agreeing to. Below are some of the questions you should discuss.
  • What are the fees that you’ll be charged? When you look at the fees of a loan you should remember to check the upfront fees as well as ongoing charges. Upfront fees cover the cost of setting up the loan, for example establishment fees, and ongoing fees can include monthly account-keeping fees or amounts charged for using some of the features of the loan. You should also be aware of late and NSF fees.
  • What interest rate are you being offered? When looking at the rate offered by the lender, make sure to check whether the rate is fixed or variable. You can also see if the lender offers an introductory rate that can help you save money in the first stages of the loan.
  • Are the loan amount and terms affordable? You need to ensure that the amount you want to borrow and the length of time you want to borrow it for is offered by the lender. You can check the minimum and maximum loan amounts each lender offers and see if they suit your needs.

Should I use a loan to pay for my wedding?

It depends. Some financial experts advise against it, stating that you’re better off saving for this big expense. While building up your savings will mean you don’t pay interest, for many people, that’s often an unattainable goal — especially if you’re hosting a large reception at an expensive venue.

A wedding loan can make it easier to afford your wedding, even if it costs you more in the long run. As long as you and your partner agree to the expense beforehand and have a plan of action in place for dealing with the payments, a wedding loan can be helpful. However, it’s still important to explore your other options.

Should I use a credit card instead?

It depends. Unless you have a large credit limit — or a small wedding planned — credit cards likely won’t be able to cover the full cost of a wedding. But they can be used to pay for things like your dress, venue deposit and flowers.

You can read our guide to funding a wedding with a credit card to learn more about the potential benefits and drawbacks of putting your wedding on plastic.

How else can I finance my wedding?

While there are plenty of ways you can make your wedding more affordable — including choosing a less expensive venue or renting a dress — these are five common ways people avoid borrowing a large amount for their big day.
  • Savings. The primary way people pay for a wedding is through savings. It might mean a smaller honeymoon or a more simple reception, but by using your savings, you can avoid paying interest for your wedding.
  • Family and friends. It’s not uncommon for family and friends to help out a little for budgets. Parents are usually willing to foot a portion of the bill, and friends may be interested in DIY centerpieces or discounting services like photography and flower arrangements.
  • Budgeting. Even if you don’t have a huge savings account, you can still work your way to borrowing less. Sacrificing little optional expenses that tend to add up — like takeout — you can add to your wedding budget without affecting your quality of life too much.
  • Scaling back. When you’re still planning your wedding, scaling it back can save hundreds — sometimes thousands — of dollars. Less guests, a simpler venue and simpler decor will all help maximize your budget.
  • Postpone the ceremony. It might not be ideal, but if you don’t have any set plans, consider extending your engagement. The longer you have to build your savings and find deals, the better off you’ll be — and the less you’ll need to borrow.

Bottom line

While the best way to finance your wedding will always be through saving and budgeting, a loan can help speed up the process. To get the best deal, compare your full set of personal loan options. Planning is a must, so take your time when selecting the right lender and terms for your big day.

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2 Responses

    Default Gravatar
    JoyceJune 19, 2017

    I’m Democratic Republic of Congo,I want à loan for my business that can help me to have money for my wedding.
    In my country business going good but the problem is how to get initial funds.
    Please,help me to go forward.

      Avatarfinder Customer Care
      AnndyJune 19, 2017Staff

      Hi Joyce,

      Thanks for your question.

      Unfortunately, the lenders we feature on our website only offer loans to American citizen or residents.

      You may want to get in touch with a local lender in your country for your borrowing needs.


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