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
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.
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.
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.
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
Helped me very much with a lot of sound information ,very professional, willing to listen and helped with integrity New Zealand
brilliant helpful people on the phone
cant fault them New Zealand
Thank you so very much. You make my day. New Zealand
Incredible service. , New Zealand
Wellington, New Zealand
Everything set out and easy to understand will recommend to everyone , New Zealand
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
View moreCan 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.
100% ONLINE – 24/7
Apply and receive your loan online, no face-to-face interaction required.
PERSONALISED RATE
We base your wedding loan interest rate on your personal credit rating.
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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HOLIDAY LOANS
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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.
EDUCATION COSTS
Cover the cost of your education with an online education expenses loan.
BUSINESS LOANS
From start-ups to upgrades an online business loan can help make your business goals a reality.
RENOVATION LOANS
Ready to renovate? Apply for a renovation loan with Harmoney and bring your vision to life.
MEDICAL LOANS
Get the care you need without the financial burden with a Harmoney medical loan.
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.
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.
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.