What is a wedding loan?

A wedding loan is a type of personal loan that gives you the money to pay for your wedding or honeymoon. You can use it for any part of your big day, from the venue and dress to a relaxing break once the celebrating’s all done.

Instead of dipping into savings or using credit cards, a personal loan for a wedding lets you spread the cost over time. You’ll know exactly what you’re paying each month, making it easier to budget.

Who might a wedding loan suit?  

Wedding loans are for anyone planning a wedding, civil partnership or similar celebration.

You might want to:

  • Cover big costs like the venue, catering or entertainment
  • Spread the cost of your big day, rather than paying all at once
  • Book a relaxing honeymoon or once-in-a-lifetime break to enjoy after your ceremony

A wedding loan could help you have the wedding day or trip of your dreams.

Why take out a wedding loan?

  • Spread the cost over time: Weddings can be expensive. A loan helps you pay for everything upfront and repay at a pace that suits you

  • Keep your plans on track: Book the venue, secure your dream dress or pay deposits without waiting to save up

  • One monthly payment: Bring all your wedding expenses together into a single, fixed monthly payment

  • Flexible use: Use the money for anything wedding related. It could be the venue, catering, outfits, rings or honeymoon

Why choose a Post Office wedding loan?  

We’re a trusted UK brand, working with Lendable to offer fair, transparent loans. And we can help make your wedding happen:

  • Flexible loan amounts and repayment terms: Borrow £1,000 to £25,000 and repay over 1 to 5 years

  • Easy to apply: Our online wedding loan application process is quick and simple

  • Get the money today: If your application’s approved, you’ll usually get the loan for your wedding the same day

  • Fixed rate for the full term: Know exactly what you’ll pay each month

  • Option to repay early: If you want to, you can pay off your loan sooner. This could save you money on interest compared with paying for the full term

How our wedding loans work

Applying for a Post Office wedding loan is simple

  1. 1

    Apply online in minutes

    Fill out a quick application, choose your loan amount and get an instant decision

  2. 2

    Get the money fast

    If approved, the funds should be in your account the same day, often within minutes

  3. 3

    Pay for your wedding

    Use the money for any wedding-related cost, from the venue to the honeymoon

  4. 4

    Repay in one monthly amount

    Enjoy the simplicity of a single monthly payment over you chosen payment term

What to think about before you get a wedding loan

Before taking out a loan, it’s important to check if it’s right for you. Here are a few key things to keep in mind

  • Budget carefully: Work out exactly how much you need so you don’t borrow more than you can afford

  • Compare your options: Look at the total cost of borrowing, including interest and fees

  • Check your repayments: Make sure you can afford the monthly payments. Missing payments can affect your credit score

  • You might pay more overall: The longer the term of your loan, the more you could end up paying in interest, even with smaller monthly payments

  • Consider your future plans: If you’re planning a big purchase like a home, think about how a loan might affect your finances. Lenders consider your previous borrowing history and credit score

Common questions about wedding loans 

  • Yes, you can use it for any wedding-related cost, such as the venue, wedding dress, suit hire or your honeymoon.

  • If your application for a Post Office wedding loan is approved, you’ll usually get the funds the same day. The money could be in your account within a few minutes.

  • Checking eligibility for a loan won’t affect your credit score. We run a soft check that doesn’t show on your credit record.

    If you complete the full application and accept the loan agreement, we’ll run a hard credit search. This may impact your credit score and your ability to obtain credit in the future.

    To keep your credit score in good health, make sure you make repayments on time. Missing them could harm your score for future applications.

  • Read more FAQs
  • Yes, you can repay your loan early in your online account. When you settle, you’ll pay the outstanding balance plus any interest due up to the day you repay. This could save you money on interest compared with paying it off over the full term. 

  • If you miss a payment, contact us as soon as possible. We’ll work with you to find a way forward.

    What to do if you’re struggling with repayments

  • Secured loans are linked to something valuable you own, like your house or car. Unsecured loans aren’t connected to your property or any asset you own. All Post Office Personal Loans are unsecured loans. 

    Read more about the difference between secured and unsecured loans

  • Yes, you can use a personal loan to help cover honeymoon costs. If you’re considering taking out a loan for your honeymoon, make sure the amount, term and interest rate suit your financial situation. That way you can make the most of your trip and stay on top of the repayments.

  • You could use a 0% purchase credit card, save for a wedding over time in a savings account or ask family for help. Each option has pros and cons. It’s important to weight them up and choose the route that best suits you.

Need some help?

Personal loans help and support

Find out the answers to common personal loans questions and how to reach us or make a complaint: 

Visit our personal loans support page