Wedding loans from 8.1% APR
Looking for a loan for your dream wedding? Our quick eligibility checker won't affect your credit score - so that’s one less thing to worry about.
Getting a quote won't impact your credit score
Competitive rates from 8.1%
Borrow £1,000 to £25,000
Most customers get their loan in less than an hour
Assumed borrowing of £7,500 over 36 months at 32.5% APR representative. Monthly cost of £312.15. Total amount repayable of £11,237.40. Interest rate of 27.0% p.a. (fixed) and total fees of £450.00. From 8.1% to 49.9% APR. £1,000-25,000 over 1-5 years available.
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Why choose Zable for your wedding loan?
Competitive rates from 8.1% APR
We offer some of the most competitive wedding loan rates in the market, with APRs starting from just 8.1% for qualified applicants. Our personalised approach means you get a rate based on your individual financial profile.
Lightning-fast funding
Most customers receive their wedding funds in less than an hour after approval. Perfect for securing venue deposits, paying suppliers, or covering those last-minute wedding essentials when time is of the essence.
Simple online process
Our streamlined application takes just minutes to complete. Get a fast decision online with no manual paperwork, no lengthy phone calls, and no waiting around.
How to get your wedding loan in 3 easy steps
Taking out a loan for a wedding is simple with Zable:
Quick eligibility check
See your personalised rate in minutes without affecting your credit score.
Choose your loan
Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.
Receive your funds
When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.
What is a wedding loan?
A wedding loan is a personal loan that you can take out specifically to cover the costs of your big day, whether that's the venue, the catering, the rings, the honeymoon, or all of the above.
It essentially helps you to spread the often large cost of a wedding over a set period of time, rather than paying for everything all at once, or waiting until you can save up enough money.
In exchange for borrowing the money, you pay interest to your lender, which means you will always pay back more than you originally borrowed.
Loans for weddings are typically unsecured (like the loans we offer here at Zable), which means you don’t need to use an asset, like your home, as collateral.
How much does a loan for a wedding cost?
The cost of a wedding loan is determined by three key factors:
Your personal APR
Your APR (annual percentage rate) is the official percentage that tells you the true annual price of your loan. It’s not just the interest rate; it also includes any mandatory fees associated with the loan. The lower the APR, the less your wedding loan will cost you in total.
How long you borrow for
A longer loan term means your monthly repayments will be lower. However, because you’re paying interest for a longer period, the total amount you pay back will be higher.
The amount you borrow
Of course, the more you borrow, the more you’ll need to pay back.
Let’s look at an example based on a Representative APR of 32.5%, calculated using a fixed interest rate of 27% per year and £450 in fees.
In this example, if you borrowed £7,500 for your wedding, and agreed to pay it back over 3 years:
Your monthly payment would be £312.43.
The total amount you pay back would be £11,247.40.
The total cost of borrowing (interest + fees) would be £3,747.40.
Why get a personal loan for a wedding?
Weddings can be expensive; in fact, according to Bridebook, the average cost of a wedding in the UK in 2025 was £20,822. What’s more, large deposits and payments are usually required to secure venues, caterers, and other key suppliers, often many months in advance.
When you’re approved for a personal wedding loan, you receive the full cash amount in one go. This gives you the flexibility to pay vendors immediately, potentially securing your favourite suppliers without having to wait for savings to build up.
Plus, with Zable, most approved customers can get their loans on the same day that they apply. This could enable you to tackle any last-minute wedding costs or issues that arise.
A personal loan for wedding expenses can cover things like the venue, catering, photography, flowers, entertainment, the dress, hair and makeup, the rings, and more.
With the potential to borrow up to £25,000 with Zable, you could plan the wedding you've always dreamed of.
Can you get a wedding loan with bad credit?
The straightforward answer is yes, it is possible to get wedding loans with bad credit history.
At Zable, we consider applicants across a wide range of credit scores, even if you’ve been turned away elsewhere. We do this with the help of something called Open Banking technology, which lets us assess factors like your income and outgoings, rather than your credit score alone.
The best way to get a more definitive answer without impacting your credit score is to use our loan eligibility checker. If you’re eligible and the rate you’re quoted works for you, you can submit your full wedding loan application.
Pros and cons of wedding loans
Getting a loan for a wedding can help you turn a huge expense into more manageable, fixed monthly payments. But, as with any loan, it comes with upsides and downsides. Consider the following points before making a decision.
Pros | Cons |
|---|---|
Payments are predictable: Having fixed monthly payments means you know exactly how much money you need to pay back each month, which simplifies long-term budgeting. | You pay interest: You will always pay back more than the amount you originally borrowed due to interest charges. |
You get one lump sum: Receiving the money upfront, usually quickly, allows you to make deposits and secure your preferred vendors. | It could encourage overspending: Access to quick money could make it tempting to plan a much more expensive wedding than you can truly afford. |
You can build your credit: Repaying the loan on time can help to build a positive credit history. | There is risk to your credit score: Missed or late repayments are recorded on your credit file and could damage your credit score. |
The loan is unsecured: Unsecured wedding loans do not require you to put an asset (like your home) up as collateral. With a secured loan, you’d risk losing your asset. | It’s a commitment: Starting marriage with a debt commitment can be stressful for some, particularly if you have other saving goals. |
What are the alternatives to a wedding loan?
The best alternatives to wedding day loans will always be those that let you avoid paying interest entirely.
1. Set a saving goal
Even if you can’t save the amount you need for your dream wedding, saving for a portion (like the venue or dress) means you could borrow a smaller amount and reduce the amount of interest you’d need to pay. You can use our spending tracker to help.
2. Receive contributions from loved ones
You may have close friends and family who would be willing to loan or gift you some money for your wedding. This could be in the form of a contribution, or they may want to pay for a specific element (like the dress).
Remember, if it is a loan, it’s best to have an open conversation about repayments and, ideally, put it in writing. Ensure that you’ll be able to pay them back to avoid putting any strain on your relationships.
3. Reduce the cost of your wedding
Consider where you may be able to cut costs. For example, you may be able to find a cheaper venue, or switch to an off-peak date (like a weekday wedding over a weekend). Reducing your guest list can also have a big impact on the total cost. This could help reduce the size of the loan you apply for, or even avoid the need for one altogether.
4. Apply for a 0% APR purchase credit card
This could be a viable choice for small wedding loans. In this scenario, you would apply for a card that has a promotional 0% interest period on purchases for a set amount of time. If you can clear the balance in full before the end of the 0% period, you can avoid paying interest.
However, if you’re unable to pay off the balance before the 0% period ends, you could end up paying lots of interest. This is because the remaining balance would accrue interest at your purchase rate.
Budget tips for weddings
Set priorities
Decide what matters most to you both and allocate more budget to those areas first.
Be resourceful
Consider whether you have any connections who could help out. Do you know someone who loves to bake cakes? Or take photos? You can get creative yourself, too - how about DIY invitations?
Get quotes early and track expenses
Suppliers get booked up quickly, especially for popular dates. Get quotes early so you have time to compare before committing. Then use apps or spreadsheets to monitor spending against your budget.
Consider timing
Off-peak seasons and weekday weddings can offer significant savings. Plus, if your guests need to travel, they can likely find cheaper accommodation.