Make your dream day a reality with a wedding loan
We know wedding costs can add up. A wedding expenses loan can help you prepare and reduce stress on your big day.
We know wedding costs can add up. A wedding expenses loan can help you prepare and reduce stress on your big day.
DON'T PANIC
Get your wedding expenses loan approved well before the big day so you’ll have plenty of time to take care of everything.
NO SURPRISES
We don’t charge ongoing fees, early repayment fees or other unexpected charges, as long as you keep up with your loan repayments.
NO ASSETS NEEDED
All Harmoney personal loans are unsecured so high-value items like a wedding ring or other assets are safe.
Simple, 100% online
Step 1. Get to know you
Tell us what you need for your wedding loan, and share the ID and finance documents we need to check.
Step 2. Get your quote
You’ll receive your detailed wedding loan quote with your interest rate, limit and repayments.
Step 3. Get your money
After you accept your quote, we’ll need a few more details. Your loan should be funded within 24 hours*.
Making your big day extra special
With a wedding expenses loan, you won’t have to worry about cutting corners.
PERSONALISED RATE
The interest rate on your wedding loan is determined by your personal credit rating.
NO EARLY REPAYMENT PENALTY
If you can pay back your wedding expenses loan faster, we won’t charge a fee.
100% ONLINE – 24/7
The quote is a fully online process with no face-to-face meetings.
About wedding loans
With the average wedding cost of $35,000, a wedding loan can go a long way towards covering the expenses.
But it’s important you choose the right loan for your needs so you don’t start your married life worrying about debt. Here are some of the most important points to compare when looking at wedding finance.
Unsecured wedding loan
One thing to look for when you’re comparing personal loans is whether they’re secured or unsecured. An unsecured loan doesn’t require your to put up security for the loan so there is less risk involved for the borrower.
All personal loans on Harmoney are unsecured, including wedding loans
Secured wedding loan
A secured loan uses an asset (such as a house, car or other expensive item) to give your loan provider security. These loans can offer a lower interest rate, but the costs will be much greater if you miss payments and your assets are sold off to recover the cost.
Harmoney does not offer secured loans.
Loan term
While everyone wants to get out of debt as soon as possible, keep in mind that a shorter-term loan will cost more each month. This could make a longer-term loan more affordable, even though you’ll pay more in interest in the long run.
A Harmoney wedding expenses loan can have a 3, 5 or 7 year term.
Fixed or variable rate
When you’re comparing interest rates, there’s more to consider than just the number. You should also decide whether a fixed rate or variable rate is better suited to you.
A variable interest rate changes along with the market rate, while a fixed rate is set in stone when you receive your quote. Both have their pros and cons, but a fixed rate loan offers more security and this is the type that Harmoney offers for all personal loans.