# Harmoney Wedding Expenses — New Zealand

Start your big day

Venue deposits, catering, photography, attire, flowers, and a honeymoon — wedding costs add up. Putting it on credit cards means juggling multiple balances at variable rates with no clear payoff date.

Your wedding is funded with one loan, one fixed repayment, and a clear end date. No variable rates, no surprises.

A Harmoney personal loan lets you borrow $5,000 to $50,000 for your wedding. Pay vendors on your terms, not theirs. Your rate is fixed, there are no monthly fees, and you can pay it off early with $0 penalties — including with any cash gifts you receive.

Typical amount for this purpose: $5,000 – $50,000 — guidance, not a product limit; the loan amount range below applies.

## How wedding expenses finance works

- Check your rate: A soft inquiry in as little as 2 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours. Subject to responsible lending inquiries.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Planning your wedding budget

**Set your total budget first.** Decide what you can afford in total repayments, then work backwards to the loan amount. The calculator on this page shows repayments at different amounts and terms.

**Pay deposits early, borrow later.** Many vendors require deposits 6 to 12 months out. If you can cover deposits from savings, you may only need to borrow for the final payments closer to the date.

**Choose the shortest term you can afford.** A 3-year term means the wedding is paid off before your first anniversary on a shorter loan. With $0 early repayment fees, you can always clear it sooner.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.