Wedding Loans

So, you're ready to tie the knot? Congratulations!

If you need help covering costs for your wedding – whether it be for flowers, venue hire, the cost of a photographer or a beautiful wedding cake – we're here to help. We offer wedding loans of from $2,050 to $2,500 to put towards your big day.

What is a wedding loan?

A wedding loan is a form of personal loan you can put toward the cost of your wedding. According to a Moneysmart survey, 82% of couples dip into their savings to pay for their wedding, with the average Aussie wedding costing around $36,000. So, if you're wondering "should I take out a loan for my wedding?", the answer is: you might need to.

Wedding Loans for Bad Credit

We have approved all sorts of loans for individuals with bad credit. We understand that past borrowing experiences don't always reflect the present and that lots of people understandably need a little extra help with wedding expenses.

Wedding Loans with No Credit Check

As part of our responsible lending practices, we do assess your capacity to pay back the loan. We can do that from your bank statement and do not generally need to do a credit check. But don't worry – that's not always a bad thing. We often approve individuals with bad credit history, with our main goal being to ensure that you aren't adding extra stress to your life by taking out a loan.

Should I take out a loan for my wedding?

A loan for your wedding isn't the only way to pay for venue hire, entertainment, catering and more. Before considering a wedding loan, it's worth asking parents of both the bride and groom if they can contribute to your wedding funds. If not, a small personal loan for the wedding can help pay for things such as the ceremony, photographer, and even the wedding dress. You can keep costs down by going the DIY route, negotiating with vendors, and making a lists of wants versus needs.

How much can I borrow?

When it comes to wedding loans from us here at Sunshine Loans, you can borrow from $2,050 to $2,500. And while that might not exactly cover the cost of venue hire, a little can still go a long way, covering the cost of flowers, a hair and makeup artist, and even the rings.

Wedding Loan Costs & Eligibility

Are you unsure whether you're eligible for a loan for your wedding? Here's what you'll need:

  • Be aged 18 years or older

  • Bank statements showing $600 a week ($1200 a fortnight) take-home pay per week OR

  • Proof of a combination of income and government benefits that equal $600 a week ($1200 a fortnight) per week.

We charge interest at annual percentage rate of 48% per annum plus an establishment fee of $400. Other fees may apply.

How to Get a Wedding Loan

The best way to get a wedding loan is to apply! If you fit our eligibility criteria and are approved, once you sign the contract, the funds will be paid into your account instantly for your special day.

Why choose Sunshine Loans?

We're here to make your wedding day special!

They say it's good luck to rain on your wedding day – but that's the only thing we want clouding your big day. If you need help with a small, fast loan, our application form takes just minutes to fill out. 

On top of this, we are committed to responsible lending practices, and we discourage a cycle of borrowing and debt.


How long does it take to receive approval?

We approve most of our wedding loan applicants on the same day they apply. This means we can have money in your account on the same day too.

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