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Costs vary enormously by region and guest count, with venue and catering typically the largest share by a wide margin. Build the budget from actual quotes rather than an average, because the average is driven by outliers and tells you little about your own event.
It is a discretionary expense funded with debt that outlasts the day, so the honest answer is that it depends on the payment fitting comfortably into your budget for the full term. Couples who finance a wedding commonly regret the size rather than the decision. Financing part of it while paying cash for the rest is the more common sensible middle.
A personal loan at a rate well below card pricing, with a fixed end date so it does not follow you for years. Avoid revolving credit for this, since the absence of an end date is what turns a wedding into a multi-year balance.
