Compare quinceañera loans for the perfect celebration

Compare loan options for a quinceañera

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

Throw your special girl a once-in-a-lifetime celebration.

Your daughter doesn’t turn 15 every day, which is what makes a quinceañera such a special milestone. This celebration marks the day your little girl is no longer … well, so little anymore.

For this coming-of-age celebration, it’s not uncommon for families to go all out. She’ll want a new dress. You’ll want a venue that can host the memories you’re hoping to create. Not to mention adding to the fun with enough food and drinks for your family and loved ones.

As you organize your Sweet Fifteen, you might struggle to find ways to pay for these expenses. A personal loan is just one option that can open up your budget to cover just about everything your little girl desires on her special day.

Even Financial Personal Loans

Even Financial Personal Loans

Quickly get matched to the best personal loan offer from top online lenders.

  • Minimum Credit Score Needed: 580
  • APRs as low as: 4.99%
  • Minimum Loan Amount: $1,000
  • Maximum Loan Amount: 100000
  • Simple online application process
  • Free loan matching service

    What kind of loan could I get?

    The type of personal loan you qualify for depends on your overall creditworthiness, financial history, requested loan amount and other factors. You may want to look beyond your local bank to compare online lenders, who might have easier eligibility requirements or faster turnaround times.

    Overall, you’ll want to borrow only the amount you need — taking out a loan for the exact amount of your costs can mean lower monthly repayments and less interest paid over the life of the loan.

    Compare personal loans

    Rates last updated June 19th, 2018

    Reveal your potential loan offers and rates

    Answer two quick questions to filter the loan offers and get the best one for you.

    Select your credit score range

    I don't know my credit score

    Finally, select where you live.

    To get your credit score:

    Experian logo

    Experian is a leading provider of personal and business credit reporting. Find out your FICO score now for less than the cost of a cup of coffee.

    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Minimum Credit Score Max. Loan Amount APR
    Best Egg Personal Loans
    A prime lender with multiple repayment methods.
    5.99%–29.99% (fixed)
    Upgrade Personal Loans*
    Affordable loans with two simple repayment terms and no prepayment penalties.
    5.96%–35.97% (fixed)
    LendingPoint Personal Loans
    Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
    15.49%–34.99% (fixed)
    Even Financial Personal Loans
    Get connected to competitive loan offers instantly from top online consumer lenders.
    4.99%–35.99% (fixed)
    SoFi Personal Loan Fixed Rate (with Autopay)
    No fees. Multiple member perks such as community events and career coaching.
    6.20%–15.24% (fixed)
    Monevo Personal Loans
    Quickly compare multiple online lenders with competitive rates depending on your credit score.
    3.09%–35.99% (fixed)
    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
    6.95%–35.99% (fixed)
    Laurel Road Personal Loans
    Get a personal loan with no application or origination fees and a rate discount for autopay.
    5.5%–11.74% (fixed)
    FreedomPlus Personal Loans
    Consolidate debt and more with these low-interest loans. Cosigners welcome.
    4.99%–29.99% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    5.98%–35.89% (fixed)
    CompareFirst Personal Loans
    An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
    2.99%–36% (fixed)
    OneMain Financial Personal and Auto Loans
    An established online and in-store lender with quick turnaround times. Poor credit is OK.
    16.05%–35.99%* (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    34%–155% (fixed)

    Compare up to 4 providers

    Consider your local credit union for decent rates

    Not sure where to start? If you have an account with a credit union, it may offer affordable loans with flexible repayment terms. These personal loans are similar to loans from banks or other lenders, but they typically come with lower interest rates.

    Plus, many credit unions offer loans of smaller dollar amounts. So you may be able to borrow less than $2,000, which is most online lenders’ minimum.

    Compare personal loans from credit unions

    How else can I pay for a quinceañera?

    • Ask for help from loved ones. A quinceañera is a big event for the whole family, and you could find that your family is willing to help with venue cost, the perfect dress or any of the other expenses that come with this celebration.
    • Put some costs on a card. While a credit card likely won’t cover the full cost of a quinceañera, putting some of the expenses on a credit card can offset the initial price of smaller items.
    • Build up your savings. Quinceañeras don’t come as a surprise. Ask around to find top venues in your area, and get estimates with local services ahead of time. By planning ahead, you can start building toward the amount you need for your honored girl’s big day.

    How much does a quinceañera cost?

    Costs can quickly add up to $5,000 or more, with fancier affairs as high as five figures.

    One way to estimate how much the quinceañera you’re hosting will cost is to write out potential expenses. List the basics — your venue, the dress, invitations, a caterer, a DJ and any beauty perks for the girl of the day and her friends. Consider flowers, decorations, party favors and other smaller costs, as well as the cake, transportation to and from the reception and a photographer, if needed.

    A quinceañera is a once-in-a-lifetime occasion, but you may not want to break the bank for a party. Plan early, and don’t be afraid to barter for services. You can throw a great party on a budget by keeping it simple before costs get out of hand.

    4 tips to save money before the quinceañera

    Before you take out a large loan, consider ways to decrease the expenses that come with coming of age. Ask yourself these four questions:

    • How can you save on food? Many families have a chef — aspiring or professional — who can help out. A sophisticated potluck could also help you save money.
    • Know a photographer? If you have a budding shutterbug in your family or circle of friends, they could be a solid alternative to hiring a professional. Just be sure to set aside a bit of cash for their services — they’re still working, after all.
    • Have a crafty hand? DIY decorations and hair styles can save hundreds of dollars you’d otherwise spend at boutiques and salons. It can also be a great way to bond with others, as well as give the honored girl some control in the looks of her party.
    • Any good sales coming up? Save money by hunting down dress sales or borrowing clothing and accessories from a chic friend or relative.

    Consider opening a separate savings account for the quinceañera far ahead of the special day, if possible. Stashing away money early could take off some pressure and maximize your budget enough to avoid a large loan.

    Plenty of people have thrown large quinceañeras on a budget. If you’re interested, try searching online forums to plan a spectacular celebration without spending too much.

    Bottom line

    At the end of the day, a quinceañera is a tradition that can cost you thousand of dollars. If you have a large family, want a fun venue or simply don’t have the savings for the blowout you’re looking for, a personal loan could make your quinceañera preparations affordable.

    To find the best rate and terms you’re eligible for, compare multiple lenders before applying. You may want to consider savings tips and letting your family pitch in before taking on a big debt.

    Frequently asked questions

    Kellye Guinan

    Kellye Guinan is a writer and editor with and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

    US Personal Loans Offers

    Important Information*
    Even Financial Personal Loans

    Get connected to competitive loan offers instantly from top online consumer lenders.


    Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    No fees. Multiple member perks such as community events and career coaching.

    Go to site