Loansmart goes above and beyond for each customer. Their staff are so friendly, full of advice, patient, efficient, reliable but most of all very helpful.”

- Chrissy
We Make It Easy
Rates From 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Wedding Loans

At Loansmart we focus on meeting your needs, so you can plan your special day with confidence. Thousands of happy couples choose Loansmart for their wedding finance packages, and here’s why:

  • Fairer fees & lower interest rates
  • Loan Interest Rates from 8.95%*
  • Approval in 1 – 2 hours* Same day payout*
  • Easy, 100% online or phone process
  • 3-minute online application form
  • Friendly, experienced team
  • Less stringent lending criteria

Planning for a wedding is a mammoth task, and costs can be overwhelming. A wedding loan from Loansmart can make it a little easier.

We understand the extra touches that are needed for your big day – the perfect menu, a stunning wedding dress, charming gifts for guests, flowers, decor, table arrangements and more. Should you have a fancy venue in mind, we can fund that too!

*Subject to responsible lending checks.


Wedding Finance - We make it easy

What’s your dream wedding day? Is your Pinterest board filled with lavish weddings featuring huge wedding cakes and an extravagant ceremony? Or perhaps a casual wedding with a laid-back celebration is more your style? No matter what your dream wedding plans look like – we can help you fund it.

Our competitive wedding loans help you tick off your wish-list, so you can host a memorable wedding – one that you, your partner and your family can cherish forever. Better still we make the application process fast, easy and enjoyable.

Our team can help you access funds in a hassle-free way. Weddings are exciting, and we love helping our clients. We don’t want you to overlook any aspect that could make your wedding unforgettable, so we work hard to get your loan approved.

Fairer terms with more options tailored to you

Our clients love what we do, and we love helping them. Talk to a team that cares and works hard to get your loan approved faster, and provide you with more options too.

Hassle-free Wedding Loans

Our quick and easy application process allows you to choose a repayment plan that suits you. We offer lower interest rates and fees, and fast, friendly service. 

Apply for a loan online for wedding finance or use our personal loan calculator to see what your repayments might be. Or, reach out to one of our helpful Loan Consultants.

Wedding Loan FAQs

The average wedding can cost upwards of $35,000 and depending on your financial circumstances this may not be possible.

Typical wedding costs to consider include: catering, event hire, decor, bride & bridesmaid dresses, suit hire and more. These things add up and can put you well-over budget with many couples making the decision to go without. Additional money from a wedding loan ensures you don’t miss out on anything.

Wedding loans are personal loans that can be used towards any wedding expenses. Planning your dream wedding is a mammoth task, and costs can be overwhelming. A personal wedding loan from Loansmart can help make it a little easier. Our loans can cover your entire wedding or serve as extra money towards unexpected costs if needed.

Any type of wedding related cost! We understand the extra touches that are needed for your big day – the perfect menu, a stunning wedding dress, charming gifts for guests, flowers, decor, table arrangements, a wedding planner and more.

Should you have a fancy venue in mind, we can fund that too! Loansmart provides holiday loans too for a perfect honeymoon. So when working out your wedding budget, be sure to factor in the cost of a holiday so your dream day can turn into a dream week or two!

With our wedding Personal Loans you can borrow up to $50,000 for unsecured loans and up to $100,000 for secured loans. Our hassle-free wedding loans start from 8.95%* and repayments can be spread over 6 months to 10 years.


We can provide wedding loans to people in employment, who have regular income paid into their bank account and pass a credit check; it’s really that simple!

Got bad credit or already have outstanding debts? We may still have options for you, for more details find out about our Bad Credit Loans and Debt Consolidation Loans.

It’s easy! Apply for a Personal Loan by 2pm and if approved the money will clear that evening or the following morning*. You can apply for a wedding loan on any device through our online loan application form – it only takes three minutes!

*Subject to responsible lending checks.

Loansmart’s eligibility criteria isn’t as stringent as banks or other lenders. If you have a stable income, and can afford to meet your loan repayments, there’s every chance your loan will be approved.

Even if you have a poor credit history, you may still be able to get a quick wedding loan. We look at your personal circumstances, and seek to understand what led to you defaulting on payments.

If you can provide a reasonable explanation, and you’re in a better position to meet your monthly payments, then why shouldn’t you get a second chance! In some circumstances, if you don’t quite meet our normal lending criteria, we may offer you a secured wedding loan. This is where we require some form of security against your borrowing. But most of the time we approve unsecured wedding loans.

Absolutely. You can even apply for a joint Debt Consolidation Loan. Coming into a marriage, most people have their own debts: credit cards, Car Loans and Personal Loans. To ensure that monthly expenses are affordable for you both, you can request a Loan Assessment. This is where one of our lending experts looks at your combined loan amounts and costs, including your monthly repayments.

They then look at different options to help save you money. By combining many small, short term loans over a longer repayment period, and with a lower interest rate, you can save on loan costs and make it easier to meet your month to month expenses. Try out Debt Consolidation Loan Calculator for an indication of what you could save in fees and interest.

Smarter Loans >>> Faster


Wedding planning can be a stressful time. So it’s important to choose a lender with exceptional customer service. We’ve been in business for over 10 years and helped tens of thousands of Kiwi’s to date with our Personal Loans – you could say we’re experts in personal lending. Better still, we are low-cost lenders offering competitive interest rates starting at just 8.95%*.

The majority of our customers actually come back for another loan when they need another round of financing like upgrading a car, doing a house extension, planning a holiday and more. Over 25% of our lending is to existing clients. This is because our customers love what we do, and we love helping them. Still not convinced? Read our 100+ 5-star reviews!

To provide you with the best lending experience we


Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm. *Subject to responsible lending checks.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your bank statements (we make that super easy and secure too!).

Make it enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make it affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean. Most of our team have personal loans too!

Get a fairer deal, faster from a professional team that cares

Don't Pay More Than You Need

Loansmart is a highly reputable finance company that’s been lending since 2008. Our experienced lending specialists work hard to get you the best deal. Benefit from fairer terms, fees, interest rates and a team that cares.

Why Loansmart


We Say Yes More Often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your personal loan approved.

More Options Tailored For You

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest Rates From 8.95%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

From 6 months to 10 years; up to 5 years for unsecured personal loans and 10 years for secured personal loans.

Faster Approval Process

Provide us with photo ID and access to your bank statements online, and your personal loan application could be approved in just 1 - 2 hours. *Subject to responsible lending checks.

Same Day Payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day*. Depending on your bank, you’ll receive cash that day or the next morning.

100% Easy, Online Process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow Up To $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!