Personal Loan for Wedding Expenses

Compare monthly payment options from several lenders in under 2 minutes.
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won't affect credit score

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Get pre-qualified for loan offers with an easy online form

Won't impact your credit

Checking offers will not impact your credit score*

Competitive payment options

Funding up to $100,000 and APRs as low as 3.99%*

Receive funds quickly

Same-day and next-day available for certain offers*

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Learn How Secure a Personal Loan for Wedding Expenses

f you need to finance a wedding you can use a personal loan, secured loan, credit card, or other financing option. A personal loan may be one of the best options available. In most cases, personal loans do not require collateral and offer fixed monthly payments. If you need to apply for a personal loan for wedding expenses, keep reading.

Quick. Simple. Secure.

How To Apply For Personal Loan for Wedding Expenses

1 Pre-qualify

Fill out easy online form to check for pre-qualified offers with no impact to your credit score

2 Select offer

Compare terms and payment options to select offer that’s best for you

3 Finish application

Complete application process on your selected lender’s website*

4 Receive funding

After loan approval, your funds should arrive within 1-2 business days*


“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


- Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


- Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


- Bob S (WI)

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Learn More About Personal Loan for Wedding Expenses

It’s common for couples to use a personal loan for wedding expenses. As you prepare for the big day and set out in search for the perfect venue, you may quickly learn that financing is not offered by many vendors.

Read more - FAQ

Can you get a personal loan for your wedding?

A personal loan can be used to cover wedding expenses. Whether you need funds to pay vendors, secure the venue of your dreams, finance the dress, or set out on your dream honeymoon, you can use a personal loan for financing. When you take out a personal loan, it’s usually funded as a lump sum. This means that prior to applying you should have a fairly accurate estimate of just how much you need to borrow for your wedding. While you may be considering a credit card to cover several wedding costs, you should look into a personal loan before swiping your credit card. Fixed personal loans offer fixed monthly payments and fixed interest rates making them much easier to manage. Racking up several thousands of dollars in credit card debt can be financially devastating.

Are wedding loans a good way to cover costs?

A personal loan or wedding loan can be a smart way to cover wedding expenses. From elopements to extravagant weddings, a personal loan can help you finance expenses. Most lenders do not have spending restrictions meaning you can use the funds however you would like. This means you simply borrow the amount you need and repay it over a set term. Of course before borrowing you will want to review monthly payments to ensure you can keep up with them. Weddings can get expensive and while you may be unwilling to compromise your vision for the big day, you want to make sure to live within your financial means. Anytime you take out a loan it will likely cost you more than paying cash so pay attention to any fees that may apply to your loan.

Do banks offer wedding loans?

Banks may offer personal loans that can be used to finance a wedding. However, in most cases, banks do not specifically offer wedding loans. Essentially a personal loan is designed to be used for any type of personal expense such as a wedding. They can also be used for emergencies, home improvements, debt consolidation, and so forth. If you are considering a personal loan you can visit your local bank to see if they offer personal loans. Before committing to a personal loan you should compare offers.

How do you pay for a wedding with no money?

So you are dreaming of the day you finally get to marry your person. Only one problem, your savings is a little low. Luckily, with a personal loan, you likely won’t need a down payment and can borrow the money you need to finance or pay for a wedding. If finances are tight you will want to choose a loan and term that offers affordable monthly payments. While it’s easy to get excited to know that you can access the money you need, you will want to ensure you can repay the loan on time.

How long does it take to pay off a wedding loan?

Personal loan terms can vary. Most lenders offer terms between one and five years, but some lenders may offer terms up to twelve years. The term you are offered may depend on the requested loan amount, your credit score or income, or other factors. As you shop offers, make sure you consider total loan costs and monthly payment. You may be searching for the longest term or lowest payment but often these terms will have the highest loan costs.

How much does the average wedding cost?

Wedding costs can vary depending on location and other factors. For example, in California the average cost of a wedding is $39,000. In Colorado, the average wedding cost is $30,000. A 2021 survey reported that most weddings cost around $22,500. While you can plan a cheaper wedding, your wedding day is important. If you can qualify for a loan and afford the monthly payment you may choose to use financing. A $20,000 or $25,000 personal loan is a reasonable amount to borrow. At Acorn Finance you can check personal loan offers up to $100,000 without impacting your credit score.

Who pays for what weddings?

Traditionally, a bride’s parents or family will pay for the ceremony and reception. The groom’s parents or family usually covers the honeymoon and rehearsal dinner. Some may break the expenses down into a more detailed list, but for the most part, these are the main expenses. Nowadays the line of who covers what is a little confusing. Some families may not have the means to cover expenses that they are traditionally responsible for. If you find yourself in a situation where your family is unable to help fund your wedding, you may need financing. Just know that you are not alone. Everyone has their own unique situation that they should be proud of. If you need financing for a wedding, visit Acorn Finance to check offers.

What’s the most expensive part of a wedding?

In most cases, couples will find that the reception venue takes up the largest part of the budget. The wedding venue may include a series of expenses such as food, music, tables, chairs, floral, decor, alcohol, and more. While the photographer and wedding rings may also be expensive, it’s likely that your venue will exceed the cost by far. Even If you choose to do a backyard wedding you will want to consider rentals and staff that you may need to pull the event off.

How can I get a wedding loan with bad credit?

If you have bad credit you may still qualify for a wedding loan. At Acorn Finance most of our lending partners have a minimum FICO requirement of 600 or above. If your spouse has better credit than you, you may want to consider applying together. If you have credit challenges, you may have to pay higher interest rates. It’s recommended that you invest time into rebuilding your credit before applying for a loan. Online lenders usually have less strict requirements compared to traditional banks. To compare offers from several top national lenders, visit Acorn Finance.

Where can I get a personal loan for wedding expenses?

At Acorn Finance you can check personal loan offers. If you accept a loan offer it can be used to cover wedding expenses. With a network of top national lenders, you are likely to receive some of the most competitive offers at Acorn Finance. Our platform can save you time and money while streamlining the personal loan process. Within 60 seconds or less you can check personal loan offers for wedding expenses with no impact to your credit score.

Closing Thoughts

For couples looking to finance their dream wedding or elopement, a personal loan may be the best option. As with any financial decision it’s important to research and make an educated decision. Acorn Finance can simplify the process of gathering and comparing personal loan offers. From the comfort of your own home you can check offers with no impact on your credit score.


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