Wedding Loans
Apply for a wedding loan in 3 simple steps
- Wedding loans up to $5,000
- Fast Online Application & approval
- Flexible repayment options
- If approved – receive funds the same day!
For many people, their wedding day will be the most special day of their life. A lot of people have dreamt of how magical the day will be ever since they were a small child. So, not only is your wedding a big deal, but it should honour a beautiful and loving relationship between two devoted people.
For this reason, most people place the importance of the success of the event very high. But, to deliver a day with great food, enjoyable music, high-quality photos and beautiful flowers, it can cost a lot of money. We offer loans across Australia – including Brisbane, Sydney, Melbourne, Perth and Adelaide.
Whether you’ve saved up for your big day, and just need a little more money to bridge the gap. Or, if you’d like to borrow money to fund the entire day, and pay it off gradually after you’re married, we can help.
Our wedding personal loans range from $500 to $5000 dollars, is simple to apply for and are funded quickly. In fact, the whole process is as easy as 1, 2, 3, as you can see below.
ONLINE APPLICATION
To apply for a loan with City Finance, simply fill in our online application form here. It’s quick and easy, you’ll just need to select how much you’d like to borrow, your preferred repayment term, provide some personal details, and verify your identity.
CONFIRMATION
Most customers receive a response within a couple of business hours of applying. In some cases, our team may get in touch to request additional information to finalise your loan.
FUNDING
Once your loan is approved and the contract is signed, most customers receive their funds within minutes, so you can get on with what matters sooner. Repayments will be made weekly, fortnightly or monthly, depending on your selected plan.
What is a Wedding Loan?
A wedding loan is a small to medium loan amount that is given to customers to cover costs involved with their wedding day. This loan can bridge the gap between what you’ve saved for the day, and what you need to pay for. Or, it can cover the entire cost of a small ceremony and/or reception.
Some overheads involved with a wedding day include wedding dresses, wedding rings, flowers, photographers, videographers, food, drinks, administration costs and wedding cakes. Our wedding loans can be used to cover some or all of these costs.
Our wedding loans are classified as unsecured personal loans with a competitive interest rate. This means that you won’t need to put any security or collateral up for your personal loan, and you will have the money deposited into your bank so you can pay the vendors directly yourself.
Am I Eligible for a Wedding Loan?
Are you looking to cover some (or all) costs involved with your wedding? If so, and you’re over 21, can show proof of income and some supporting documents, then you’re probably eligible for a personal loan with us. At City Finance we have very flexible lending criteria.
If you’re unsure of your eligibility please feel free to reach out to our customer service here.
What Supporting Documents and Information Do We Need to Process Your Wedding Loan Application?
At City Finance the process of applying for a wedding loan is simple. We don’t need a bunch of different documents, all we require is the following:
- A copy of your ID
- A short application form with details such as your address and phone number
- Proof of your income (either wages or Centrelink benefits)
- 90-day history of bank statements
How a Wedding Loan for Bad Credit Works
Even if you’ve faced financial setbacks before, a wedding loan with bad credit in Australia with City Finance can still succeed. We’ll review your income, bank statements and overall affordability, then structure a wedding loan for bad credit package that suits your needs. Our goal is to help you honour your special day without compromising your future financial health.
Why Choose City Finance for a Wedding Loan?
Things move quickly
Usually, weddings are planned quite far in advance. However, if you’ve exceeded your planned budget and need some quick cash then a City Finance unsecured personal loan can help. The online application form should only take a few minutes to complete, and our staff will work to approve your unsecured loan quickly.
Inclusive lending
We don’t believe that a bad credit score should ruin your wedding day. If you’re looking for financing but your financial situation or credit history is less than perfect, we can still help.
Flexible repayments
We can tailor your loan term so that they suit your financial situation. We offer small loans with monthly repayment lengths between 12 and 52 weeks (these can be changed to weekly or fortnightly loan repayments if you require). Plus, we don’t charge any early repayment fees.
Trusted lender
City Finance is an industry leader when it comes to lending. We’ve been in the industry for over 20 years and have extensive experience lending to thousands of Aussies. Our glowing reviews speak for themselves!
Easy borrowing
We’ve streamlined our loan process to make it as easy as possible for our customers. Everything from our online application form, to our automatic direct debit payments, is designed to make things simple for you.
Understanding lender
At City Finance we understand that situations may arise that prevent you from meeting your agreed repayments. If you find yourself in this situation, simply reach out to one of our friendly team members and then will work with you to figure out a contingency plan.
What Wedding Related Things Can I Use an Unsecured Personal Loan For?
Wedding dress
For some women, the dress they wear on their big day is the most important thing to them. However, the price of wedding dresses can range greatly, with some designer gowns costing in the five-digit range. Your wedding day is (hopefully) a once in a lifetime event, so if you’re dreaming of a specific style of dress, don’t skimp out and allow yourself the luxury of wearing what you want with a wedding day loan.
Wedding rings
Wedding rings are meant to be worn by both partners for the rest of their life and a special ring like this should be of high quality. Our wedding loans can help cover the costs of both rings.
Administrative side
Most larger weddings will require the use of a wedding planner, and all legal weddings will have some charges to make the union official. These wedding expenses can be paid for with a personal loan, and the amount can gradually be paid back after you’re married.
Flowers and decor
Almost every fairy-tale wedding has a large number of flowers, lighting and decor. If you’ve always dreamt of a magical looking day, then allow yourself to live out your fairytale and go ahead and splurge on some beautiful decor with our wedding loan.
Food and drink
Most Australian weddings tend to have pretty relaxed free flow bars! If you love a drink and want your friends to enjoy good quality free flow alcohol at your wedding, then you’ll likely be looking at high costs of around $100 a head (or more) for drinks alone. On top of this, delicious food is usually charged by head too, and food and drink can be one of the most expensive parts of the wedding day. Make sure your day is memorable and exactly what you want by choosing your favourite food and drink vendors, and not worrying about the costs with our wedding loan.
Photographers and videographers
Looking back at your wedding day for decades after the event is a very special thing. The day can be properly captured through the use of experienced and talented photographers and videographers.
Furthermore, because of the pandemic, you may not be able to invite all of your loved ones to your special day. Through the use of good photography and videography, you can stay and share the event with them. If your budget doesn’t stretch enough for both professionals, you can still engage their services using a wedding loan with us.
Venue Hire
Along with food and drink and decor, venue hire can take a huge chunk of money out of your wedding budget. Most venues have high charges for weddings and have an additional event fee on top, this covers accidental damage, as well as additional staff that’s required to maintain the venue (e.g. gardeners or cleaners). Holding your wedding at a venue you love will ensure that your day is very special. Our unsecured loans can help cover these costs.
Honeymoon
There’s no debate that wedding days can be very expensive. After you’ve dished out a lot of money for the big day, you might not have too much left to spend on your honeymoon. But, your honeymoon is a celebration of the love you share with your partner, and is a special time that you can spend together with just the two of you. So, if you don’t have enough money to enjoy a great honeymoon, take out a wedding loan and pay the balance back gradually.
How Wedding Loans Work
- Check Your Eligibility
To apply for a wedding personal loan, you must be an Australian citizen or permanent resident aged 21 or over. You’ll need to show proof of regular income (wages or Centrelink payments), valid ID and a recent bank statement history. - Complete the Online Application
Fill out our straightforward form in minutes, choose your loan amount, pick a repayment term that aligns with your pay cycle, and upload your documents. - Fast Assessment & Approval
Most applicants receive a decision within a few business hours. We review your ability to repay, not just past credit events, and may reach out if we need any extra information. - Sign Your Loan Contract
Once approved, you’ll be sent an electronic contract. Sign securely online, and you’ll trigger the funds release. - Receive Funds Within Minutes
After signing, funds are typically in your bank account within minutes. Use this to pay your venue, dressmaker, florist or other wedding suppliers directly. - Repay with Confidence
Choose weekly, fortnightly or monthly repayments that suit your budget. All fees and charges are disclosed up front – no hidden costs or early-exit penalties.
Ready for Your Perfect Day with Wedding Loans?
Don’t let budget worries steal your sparkle. With City Finance’s wedding loans, you can cover venue, decor, attire and more, fast and affordably. Apply online now and say “I do” to financial peace of mind.
FAQs
What is the difference between a wedding loan and a regular personal loan?
A wedding personal loan is a standard unsecured loan, specifically intended to cover wedding-related expenses. It has the same fees and interest rates as our other personal loans, but helps you budget for one major life event.
Can I get a wedding loan if I have bad credit?
Yes. We offer wedding loans for bad credit, focusing on your current repayment capacity rather than past credit issues. A credit check is performed, but we tailor terms to your affordability.
What can’t a personal loan for wedding cover?
City Finance does not fund regular living expenses (rent, utilities, groceries). Your wedding loan must be applied to wedding‑related costs, such as venue hire, caterers, attire, decor, and photography.
Will making repayments improve my credit score?
No. While on‑time repayments won’t automatically boost your credit rating, they will prevent further negative listings. We do not report positive payment history.
How quickly will I receive my wedding loan funds?
Once you’ve signed your contract, most customers see funds in their bank within minutes. Your wedding can move forward without delay.
What documents are required for a wedding loan application?
We require:
- A copy of your photo ID
- Proof of regular income (wages or Centrelink)
- 90‑day bank statements showing incoming funds
