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Personal loans Wedding loans

Wedding loans

Start planning your dream wedding.

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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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 Absolutely brilliant so easy to deal with new zealand
5.0 Brilliant! new zealand
5.0 Excellent service. Employees from the Calling Centre are brilliant. new zealand
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5.0 Brilliant as always
100 percent
new zealand
5.0 Brilliant customer service, got phone call and email good news while having my morning coffee. A+++ service. new zealand
5.0 Brilliant new zealand
5.0 Brilliant to deal with new zealand
5.0 Very easy. Great communication all way through process. Brilliant new zealand
5.0 Fantastic service, customer service is brilliant. The whole cycle of applying and getting approved was super speedy. new zealand
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5.0 Just great , Absolute brilliant Bay of plenty , new zealand
5.0 Really brilliant service
I am truly appreciative
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
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

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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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.Loan terms subject to availability.

2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.