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Wedding Loans

One application. 11 lenders from our 50+ network. Funded in 24 to 48 hours.

11 lenders in our network approve amounts above $5,000. Borrow $100 to $150,000 at 9.99 to 34.99% APR, with funding as fast as 1 hour. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,500 monthly income. Rates reviewed August 2026.

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Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.4 (11)
Amount
$3,200 - $20,000
Rate (APR)
19.8 - 34.99% APR
Terms
36 months
Funding
3 hours
Best for Borrowers with fair credit who want a fixed three-year payoff on a mid-size balance · Line of credit
★★★★★ 4.4 (14)
Amount
$500 - $35,000
Rate
From 9.99% APR
Terms
6 - 84 months
Funding
48 hours
Best for Borrowers with fair or poor credit who want a long repayment runway and a path to better credit · Instalment loan
★★★★★ 4.5 (13)
Amount
$1,000 - $5,000
Rate (APR)
19.9 - 34.5% APR
Terms
12 - 36 months
Funding
24 hours
Best for Borrowers with poor credit and modest income who need $5,000 or less · Instalment loan
★★★★★ 4.6 (20)
Amount
$500 - $20,000
Rate (APR)
9.99 - 34.99% APR
Terms
9 - 84 months
Funding
48 hours
Best for Borrowers who want branch support and the option to scale from a small unsecured loan to a large secured one · Instalment loan · Also offers: secured loan
★★★★★ 4.3 (18)
Amount
$500 - $25,000
Rate (APR)
34.56 - 34.95% APR
Terms
6 - 84 months
Funding
48 hours
Best for Borrowers who want one provider for both a short-term advance and a larger instalment loan · Instalment loan
★★★★★ 4.4 (28)
Amount
$500 - $15,000
Rate (APR)
34.37% APR
Terms
12 - 60 months
Funding
48 hours
Best for Borrowers who want a small revolving line of credit managed entirely from an app · Instalment loan
★★★★★ 4.8 (26)
Amount
$1,500 - $20,000
Rate (APR)
34.86% APR
Terms
12 - 60 months
Funding
48 hours
Best for Ontario borrowers with fair credit who need $1,500 or more and have been declined elsewhere · Instalment loan
★★★★★ 4.6 (16)
Amount
$500 - $10,000
Rate (APR)
34.99% APR
Terms
Revolving
Funding
1 hours
Best for Borrowers who want a payday advance and a longer-term line from the same provider · Line of credit
★★★★★ 5.0 (4)
Amount
$100 - $15,000
Rate (APR)
34.99% APR
Terms
Revolving
Funding
1 hours
Best for Borrowers who want an open revolving line they can draw from as needed · Line of credit
★★★★★ 4.3 (14)
Amount
$100 - $20,000
Rate (APR)
34.37% APR
Terms
6 - 84 months
Funding
24 hours
Best for Ontario borrowers with poor credit who want an instalment loan rather than a payday advance · Instalment loan
★★★★★ 4.9 (8)
Amount
$1,000 - $15,000
Rate (APR)
19.9 - 34.9% APR
Terms
Revolving
Funding
24 hours
Best for Borrowers who want revolving credit they can draw on repeatedly rather than a one-time lump sum · Line of credit

What wedding borrowing looks like in the data

Weddings are an instalment-scale purpose.

What wedding borrowing looks like in the data
CHART DATA
PurposeAverage instalment request
Debt consolidation$8,346
Home improvement$7,909
Education$6,624
Source: Smarter Loans Lending Demand Index, First Half 2026. Verified August 2026.

The specific risk with wedding borrowing

Every other purpose on that table produces something durable. Consolidation reduces interest. Home improvement adds value. Education raises earnings.

A wedding produces a day. That is not an argument against borrowing for it, but it changes the right term.

Match the term to how long you want to still be paying. A five-year term on a wedding means paying for it well past the anniversary. If the payment only works over five years, the honest read is that the budget is too high rather than the term too short.

Practical structure

Borrow once, after the budget is final. Deposits are staged across a year, and topping up repeatedly means multiple applications and multiple inquiries.

A fixed instalment loan beats a card for this. Wedding costs are known in advance, which is exactly the situation a fixed loan suits and revolving credit does not.

Keep the contingency out of the loan. Weddings run over. Borrowing the contingency turns a possible overrun into certain interest.

Qualifying

11 of 17 lenders in our network approve at this scale. Larger amounts mean deeper income verification and a debt-to-income assessment.

If both partners are borrowing, a joint application is usually assessed on combined income and can improve both the approved amount and the rate.

Common questions

Is a wedding loan a specific product?

No. It is a personal instalment loan used for a wedding. There is no separate underwriting.

Should we use a credit card for the deposits?

Only if the balance clears quickly. Wedding deposits are staged over months, and a revolving balance carried across that period costs considerably more than a fixed loan.

What term should we choose?

The shortest whose payment you can hold. Paying for a wedding across five years is a common regret and an avoidable one.

One application. 11 lenders. Apply Now