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Personal loans

Wedding loans

Plan for the perfect day

Personalised rates from 6.99% ¹


Won’t affect your credit score

Canstar winner 5 years in a row
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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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DON’T PANIC

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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NO SURPRISES

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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NO ASSETS NEEDED

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! Thank you Harmoney! New Zealand
5.0 Bloody brilliant! New Zealand
5.0 Always brilliant service New Zealand
5.0 Brilliant staff and an incredibly easy application process. I can already breathe easier. I highly recommend Harmoney without question. Thank you team Harmoney. New Zealand
5.0 wonderful Sai was brilliant
Helped me very much with a lot of sound information ,very professional, willing to listen and helped with integrity
New Zealand
5.0 Quick and easy service, was brilliant New Zealand
5.0 Brilliant service thank you sooooo much New Zealand
5.0 Brilliant. New Zealand
5.0 easy to apply
brilliant helpful people on the phone
cant fault them
New Zealand
5.0 You're amazing. The staff member that I spoke to on the phone is brilliant, friendly and professional.
Thank you so very much. You make my day.
New Zealand
5.0 Brilliant 10/10 New Zealand
5.0 Brilliant as always, Cheers New Zealand
5.0 Bloody brilliant company to deal with. Totally recommend New Zealand
5.0 Brilliant easy application process would recommend to a friend you guys and gals are awesome New Zealand
5.0 easy , brilliant experience thank you harmoney New Zealand
5.0 Brilliant Service. Very good set up online. Easy to use New Zealand
5.0 Brilliant and fast service New Zealand
5.0 Brilliant experience New Zealand
5.0 Brilliant New Zealand
5.0 BLOODY BRILLIANT!!!!!! New Zealand
5.0 Harmoney has been brilliant to work with New Zealand
5.0 Brilliant New Zealand
5.0 Brilliant company to arrange a loan with. Easy and quick process, if needing assistance the staff are friendly, knowledgeable and professional. New Zealand
5.0 Brilliant thank you New Zealand
5.0 Brilliant New Zealand
5.0 Pretty painless so far. There was a bit of confusion initially, as the folks at the call centre told us conflicting info, but one of the managers stepped in and she was brilliant, clearing everything up. From that point the online process was straightforward. New Zealand
5.0 Automated process is brilliant. New Zealand
5.0 I had no idea it was so quick and easy - brilliant!! New Zealand
5.0 Brilliant and so easy!! New Zealand
5.0 Brilliant support throughout the whole process! New Zealand
5.0 Brilliant New Zealand
5.0 Harmoney is a great service, it's easy to use and the help team are brilliant New Zealand
5.0 Just absolutely brilliant New Zealand
5.0 I now have the opportunity to save aggressively for my upcoming wedding, harmony has given me the chance to do this by consolidating all my debt which I didnt think was possible. As a result the wedding is back on track and almost paid me, thank you so much harmony for assisting in making our big day possible :) Canterbury, New Zealand
5.0 Brilliant easy reliable service. New Zealand
5.0 Just brilliant to deal with New Zealand
5.0 It was so amazing and so brilliant !!! New Zealand
5.0 Fast efficient and brilliant. New Zealand
5.0 Helpful and brilliant New Zealand
5.0 This is such a brilliant service. Harmoney has help me out enormously at times when I've require financial assistance. Quick fast an efficient service. I would not use a bank again. , New Zealand
5.0 Brilliant and easy New Zealand
5.0 Brilliant service New Zealand
5.0 Brilliant to deal with New Zealand
5.0 Brilliant Service New Zealand
5.0 Excellent prompt service, brilliant New Zealand
5.0 Brilliant New Zealand
5.0 Extremely easy and brilliant New Zealand
5.0 Absolutely brilliant New Zealand
5.0 What a fascinating, easy and brilliant experience. Love it! Money in the bank before the day was out. Auckland, New Zealand
5.0 Brilliant friendly service New Zealand
5.0 Absolutely brilliant. Far and above any other lending institutions on the market. New Zealand
5.0 Brilliant. Wellington, New Zealand
5.0 Brilliant! Fast and helpful Wellington, New Zealand
5.0 Brilliant New Zealand
5.0 Brilliant New Zealand
5.0 Very helpful and easy to use! Brilliant app! New Zealand
5.0 Brilliant and easy New Zealand
5.0 Brilliant easy to deal with company no problems in the past New Zealand
5.0 Wow, you guys are excellent, brilliant service, easy to complete the online application and other information, thank you very much. New Zealand
5.0 Brilliant as ever. New Zealand
5.0 Harmoney is always there for me. This is my 3rd successful application. My first was for our wedding. I am so grateful. And applying is soooo easy and stress free. New Zealand
5.0 Just brilliant. Took less then 2 hours from start to finish and funds were avaliable later the same day.
Incredible service.
, New Zealand
5.0 I had so much trouble with the online application but the Help Desk people were brilliant to deal with. Even with the online drama it is still a very slick operation. New Zealand
5.0 Brilliant! New Zealand
5.0 awesome,fantastic, brilliant! New Zealand
5.0 Brilliant. Fast and easy and all online New Zealand
5.0 Brilliant - easy and quick New Zealand
5.0 Brilliant, easy to use and very responsive. New Zealand
5.0 You folks are always brilliant and I will always recommend you. You have helped us every time we have needed it. New Zealand
5.0 Brilliant!! Easy to apply too!! New Zealand
5.0 My account manager Rebecca Powell was brilliant and very helpful through the whole process of topping up my loan. New Zealand
5.0 Brilliant, so easy to use and very quick feedback
Wellington, New Zealand
5.0 Brilliant service! New Zealand
5.0 Brilliant New Zealand
5.0 Brilliant New Zealand
5.0 easy and efficient -slight issue with bank but quickly resolved by brilliant customer service and accounts team.

Everything set out and easy to understand will recommend to everyone
, New Zealand
5.0 Excellent service as always. Some problems with online access which meant I had to call back in working hours which is always difficult. However Mere who assisted me online was brilliant. New Zealand
5.0 Brilliant service New Zealand
5.0 Brilliant service New Zealand
5.0 Brilliant New Zealand
5.0 Absolutely Brilliant, Harmoney are there when you need them New Zealand
5.0 simple and easy to do- absolutely brilliant!! New Zealand
5.0 Brilliant.. just brilliant. The hardest part was choosing the amount. From the top up application through to completion, support have always been a phone call or email away. Thank you New Zealand
5.0 Brilliant, easy, fast seamless application Porirua, New Zealand
5.0 Brilliant - simple and transparent with great people when I did need some help New Zealand
5.0 SO easy and fast. Brilliant service New Zealand
5.0 Harmoney is topnotch. Great interest terms and a brilliant way to do what needs to be done. Fast and simple. Thank you Harmoney Bay of Plenty, New Zealand
5.0 Absolute brilliant place where the help is amazing New Zealand
5.0 Quick and efficeint, with the least amount of fuss... Brilliant. New Zealand
5.0 Fast ans so brilliant New Zealand
5.0 Very Brilliant New Zealand ,
5.0 Service - online and via a real person (!) has been brilliant. New Zealand
5.0 Amazing support throughout my top loan with Sahil Chawal, brilliant, friendly service much appreciated. New Zealand
5.0 Brilliant service & very easy online experience. NSW, New Zealand
5.0 Brilliant Service... easy to follow instructions and would recommend to people needing to borrow. New Zealand
5.0 Brilliant New Zealand
5.0 Brilliant service. Absolutely best lending experience. Cheers Harmoney New Zealand
5.0 Excellent and easy way of applying for a loan. Incredibly fast turn around and brilliant service. Thank you New Zealand
5.0 Brilliant thank you New Zealand
5.0 My gosh so quick, simple and hassle free.

I can't believe how simple and straight forward the process was from beginning to end, and then within 12hrs my loan was funded. Absolutely brilliant Harmoney.
Auckland, 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 or 5 years

Loan terms
$200 or $350

Establishment fee
$0

Early repayment fee
  • Interest rates from 6.99% p.a.19.99% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $350 for loans $5,000 and over²
  • 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 or 5 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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100% ONLINE – 24/7

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

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PERSONALISED RATE

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

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NO EARLY REPAYMENT PENALTY

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 and five-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.

Types of personal loans

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CAR LOANS

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HOLIDAY LOANS

Ready to book your next trip? Apply for an online travel loan and you’ll be packing your bags in no time.

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DEBT CONSOLIDATION

Get on top of your finances with a debt consolidation loan, one easy payment that covers all your current loans and debts.

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EDUCATION COSTS

Cover the cost of your education with an online education expenses loan.

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BUSINESS LOANS

From start-ups to upgrades an online business loan can help make your business goals a reality.

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RENOVATION LOANS

Ready to renovate? Apply for a renovation loan with Harmoney and bring your vision to life.

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MEDICAL LOANS

Get the care you need without the financial burden with a Harmoney medical loan.

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WEDDING LOANS

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 range from 6.99% p.a. to 19.99% p.a. and 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 loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $350 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 19.99% p.a. on 36 to 60 month terms, with no early repayment penalties.