Wedding loans

Apply for a wedding loan in 3 simple steps

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 BrisbaneSydneyMelbournePerth 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.


To apply for a loan with City Finance, you’ll need to fill in an online application form, which you can find here. The application is simple and you’ll just be required to select the amount you’d like to borrow and the repayment time, as well as fill in some personal information and send proof of identity.


Once we receive the information from you, someone from our team will call you to confirm your application details. If your application is approved, we’ll send you an email confirming the approval. We’ll also get your bank details so we can send over the money.


Once you’ve been approved, you should receive the money by the end of the day. However, most customers receive the money even sooner. From here you’ll be able to spend the money on what you please – and you will just need to meet the contracted repayments (weekly, fortnightly or monthly).

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 18, 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

Why choose City Finance for an unsecured 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 life time 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 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 the maintain the venue (eg 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.


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.


Highly highly highly recommended City Finance to anyone. The staff are absolutely amazing and very helpful. My experience the two times I have used their services have been amazing. Thank you guys!

Lulu Millar
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I had a very easy and straight forward experience dealing with City Finance... Very much appreciated the quick flow of decision making displayed. Regards, Graeme

Graeme Austin
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Great customer service, they're happy to help out when you need it if something unexpected has happened and you need cash fast, definitely recommend and repayments are tailored to your needs.

Cassandra Dodd
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Wonderful people very friendly and helpful been with them for some time now and have never had an issue with them always have my payments on time

Pauline Arrowsmith
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City finance for fantastic. The application is still in fairly quickly within outcome usually within 24 to 48 hours. Customer service is lovely and the only company that would help me out with the loan when no other one would. Highly recommend.

Chanelle Ryan
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