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Personal loans Wedding loans

Wedding loans

Start planning your dream wedding.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

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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.

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Secure your vendors with confidence by getting your wedding expenses loan approved well in advance of your wedding date to plan your perfect day without financial stress.

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What you see is what you get. With no ongoing fees, early repayment fees or extra charges for borrowers who keep up with loan repayments you’ll always know what to expect.

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Harmoney personal loans are unsecured, which means we don’t require any assets, such as jewellery or cars, to secure your loan.

What our customers say

5.0 Brilliant,fast and efficient service new zealand
5.0 There really isn't an easier way to borrow money than with Harmoney. Our 5th time and just brilliant. new zealand
5.0 Brilliant communication thanks guys new zealand
5.0 Brilliant and efficient new zealand
5.0 Absolutely brilliant service from the lovely Kini Waqa who is based in FIji. She waited with me on the phone to get my loan all through and never once complained about how long I took. Someone promote her please. new zealand
5.0 Brilliant service love how they have always helped me with whatever it is that I have needed new zealand
5.0 The quickest and easiest way to lend money. You guys doing a brilliant job. new zealand
5.0 So easy and fast brilliant new zealand
5.0 Brilliant service so quick and easy new zealand
5.0 Absolutely brilliant service team is very helpful and make everything so easy. And the money is with you within the same day. Canterbury, new zealand
5.0 Harmony have things very possible, simple to understand & very helpful customer service team i would really recommend harmony to anyone needing thier assistance.
Absolutly brilliant.
new zealand
5.0 Quick, Easy, Brilliant new zealand
5.0 Brilliant. So simple to understand. new zealand
5.0 Brilliant service and use of technology to make it wasy new zealand
5.0 Brilliant as always - quick and easy - hassle free , new zealand

100% online wedding loans

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.

2. Get your quote

You’ll receive your detailed wedding loan quote with your interest rate, limit and repayments.

3. Get your money

After you accept your quote, we’ll need a few more details. Your loan should be funded within 24 hours*.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Quick wedding loan estimate

Get a quick estimate of your interest rates and repayments on your wedding loan using our personal loan calculator.

Common wedding loan questions

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Can anyone apply for a wedding loan?

To apply for a wedding loan in Australia:

  • You must be 18 years or older

  • You must be an Australian citizen, Permanent Resident or New Zealand citizen

  • You must be employed full time or permanent part time

  • You need to have photo identification documents such as your passport or driver’s licence handy

  • Your credit file must not have any defaults, judgments or bankruptcies recorded

  • The minimum loan amount is $5,000

To apply for a wedding loan in New Zealand:

  • You must be 18 or older

  • You must be a New Zealand citizen or Permanent Resident

  • You must be earning a stable income

Your wedding loan application will be fully online. To find out more about what you need to apply, see our guides to getting started.

What can I use a wedding loan for?

Your wedding expenses loan can pay for any costs related to your wedding. This includes the dress, venue hire, transport, catering and anything else, as long as you stay within your loan limit.

Can a wedding loan pay for my honeymoon?

If you have money left over after arranging your big day, you could use this to book some of your honeymoon. But if the main purpose of your loan is to book travel, we recommend a specialised holiday loan.

Can I start paying my loan after the wedding?

Unfortunately, it’s not possible to delay repayments on your loan, which begin as soon as you receive your money. If you want to keep your repayments low, you can choosing a longer term loan, although this will mean paying more in interest overall.

Can I increase my wedding loan?

It’s not always possible to extend a loan that’s already in progress, so you should apply to borrow as much as you think you’ll need. If you’ve been making consistent repayments on a Harmoney loan for 6 months or longer, you may be eligible for a loan top-up that increases the amount you can borrow.

Can I pay back a wedding loan early?

Yes. Harmoney loan terms are for 3, 5 or 7 years, but we encourage borrowers to pay back their loan early if they have the ability. That’s why we don’t charge any early repayment fees.

Making your big day extra special

Don’t compromise on your wedding day. Get the day you’ve always wanted with the help of a wedding expenses loan.

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We base your wedding loan interest rate on your personal credit rating.

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100% ONLINE – 24/7

Apply and receive your loan online, no face-to-face interaction required.

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We don’t charge early repayment fees, so if you can pay your loan back early, go for it.

About wedding loans

The average New Zealand wedding now costs $35,000, so applying for a wedding loan is a great way to help cover costs.

Before you apply, it’s important to understand the various aspects of a wedding loan, how they affect you, and what type of loan will best suit your needs.

Unsecured wedding loan

An unsecured loan is one that does not require security from the borrower. Security is an asset which is put up to guarantee a loan, and in the case of a defaulted loan the asset is then seized by the lender.

At Harmoney our wedding loans are unsecured, so your assets are safe.

Secured wedding loan

Secured loans require an asset to be put up as security by the borrower. While these loans often carry attractive lower interest rates, if you default on your loan your assets will be seized and sold by the lender.

Harmoney does not offer secured loans.

Loan term

At Harmoney we offer three-year, five-year and seven-year terms on our wedding loans. A shorter loan term will mean higher monthly repayments, but less interest charged overall, while a longer loan will mean lower monthly repayments with higher interest overall.

Unlike other lenders, we encourage you to get out of debt early by not charging any extra fees for early repayment.

Fixed or variable rate

There are two types of interest rates, variable and fixed rate. A variable rate will fluctuate in accordance with market values, so your repayments could vary from month to month. A fixed interest rate remains the same throughout the term of the loan, meaning you will always make the same repayment each month.

At Harmoney we only offer fixed loans to ensure certainty for our customers.

Got your eye on a dress?

Apply online for a wedding loan and start planning your dream day.

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The cost of a wedding can add up quickly. With a wedding loan from Harmoney you can plan your perfect day with confidence.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2021).