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Looking for Ways to Finance Your Wedding With Loans?

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Your wedding day is one of the most special days of your life, and unfortunately, it is also one of the most expensive days of your life. Most young couples do not have the funds to have the wedding that they want without help from their family. If a couple’s family is unable to help them, there are other options that they can look into to finance the wedding day.

With the average cost of a wedding in today’s prices is over $31,000.00, taking out a loan is something to consider. Today’s young couples have a lot of things to consider when it comes to planning a wedding, and it all begins with a budget so that they have a general idea of the costs involved with the big day. Once the wedding date is set, it’s time to figure out how you are going to pay for it.

Wedding Loans

Some banks offer wedding loans, which allows a couple to borrow as much as $25,000.00 for their wedding—as long as they qualify for the loan. Interest rates for these types of loans are usually quite high, with longer terms, and the money can be used for any purpose that the couple chooses. Many couples are concerned about money and how they will have enough to plan a wedding, so getting a loan for a wedding can help to alleviate stress and worry.

The one disadvantage of taking a loan out for your wedding is that it could cost substantially more once you have paid all of the interest on the money that you borrow. Using credit cards can be even more expensive, adding up to 20% in interest on the end cost, which is why loans are more attractive with lower interest rates.


Since many couples tend to live together first before getting married, they may have a lot of the items that make great traditional wedding gifts. Today’s couple can set up a registry of sorts through crowd funding where their relatives and friends can opt to pay for some event or portion of the wedding or the honeymoon.  Registries online allow invited guests to choose something and pay for, such as a room upgrade, a dinner out, surfing lessons, or anything the couple chooses.

Borrow From Your Home Equity

If you own a home, you may have enough equity to borrow against for a loan for a wedding.    Many modern couples are getting married for a second time and already own a home, so they have the equity necessary to finance their wedding. You can borrow as much as $35,000.00 against your home, and the interest rates are much better than a traditional loan. In some cases, the couple is moving into a single home and may wish to sell an extra home and use that money to pay off bills or for wedding loans.

Personal Loan

If you have already looked at a variety of wedding financing options and are out of ideas, then you have the option of taking out a personal loan. Personal loans are a great option to take the stress out of your wedding planning. You get a reasonable interest rate, the amount that you need, and a payment plan so that you can repay the loan over several years once you are settled into married life.

Tips for Getting a Wedding Loan

If you are wondering to yourself how to get financing for my wedding, then we have some tips for you.

Create a Budget

Start off with a bare list that you can find from any wedding site online. Your list should include items like the cake, a photographer, the meal, a DJ for music, and a venue to start off with.  Determine how much you want to spend on each item, come up with a total and then, with the bottom line, apply for your loan.

Banks want to see your plan, laid out on paper before the can approve any amount of money for wedding loans. Your budget is what the bank will use to decide on the amount of money that they will loan to you. Once you have the money funded to you by your bank, you can proceed with hiring vendors and giving deposits to secure those vendors.

Decide what you Want

Decide what it is you want—including the style and location of your wedding. Then, start to plan based on the size of the wedding. Once you have your budget sketched out, you should be able to have a good idea of how much money you need.


The wedding of your dreams is within your reach, but you must remember to keep your dreams realistic. The most important thing to remember is to keep on track of your budget and avoid cost overruns.   

For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.