Wedding loans

A wedding loan is an unsecured personal loan that you can use to pay all or some of the costs of a wedding. You can borrow the money you need upfront, then repay it over a set period to help spread the cost.

The average cost of a UK wedding in 2026 is around £20,604, according to wedding planner app Bridebook, or £25,815 if you include the engagement ring and a honeymoon.

And when the big day comes with a big bill attached, it’s no wonder couples look for some form of financial support.

According to our data, couples aged between 30-39 tend to be the most likely to borrow for a wedding, making up39% of wedding loan applicants.²

In an ideal world, you’d be able to pay for your celebration out of savings and avoid starting married life with a large debt. But wedding day costs can quickly add up, so it’s not surprising that many couples consider a loan to fund part or all of it.

Start by working out an overall budget before breaking it down into categories to see where you might be able to cut back. Once you have a clear cost in mind, you can decide how much you want, or need, to borrow. It can be a good idea to include a little extra to account for any unexpected expenses.

If you’re considering a loan, our loan calculator can help you work out what your monthly repayments might be and how much the loan could cost overall.

It depends on your personal circumstances. You’ll typically have a better chance of being accepted for an unsecured wedding loan if:

• You have a good credit history – lenders want to know that you’ve managed debt well in the past and that you can be trusted to pay back what you borrow.

• You have a steady income and can afford the loan – lenders will look at your current debt, regular outgoings and income to assess whether you can afford the loan.

By comparing wedding loans with us you can see which loans you’re likely to be accepted for without any impact to your credit score.

It could be possible to get a wedding loan with bad credit. However, you may:

• have fewer lenders to choose from

• be offered a lower borrowing limit

• be charged a higher interest rate.

To find out how likely you are to qualify for a bad credit loan, use our loan eligibility checker. It will show which loans you’re likely to be accepted for without any impact on your credit score.

To compare wedding loans, you’ll need to give us a few details, including:

• How much you want to borrow

• How long you want to take to pay it back

• Your annual income

• How many people depend on you financially.

Use our eligibility checker to find the loans you’re most likely to be accepted for without any impact on your credit score. Once you’ve chosen a loan that’s right for you, you’ll be transferred to the lender’s site to apply.