Wedding Loans in NZ

Planning a wedding is exciting, and it comes with a fair few bills. A wedding loan can cover the gap between what you've saved and what the day costs.

Before we lend, we look at your whole financial picture, so the repayments fit your budget long after the big day.

Apply now · Call 0800 760 000

Wedding Loans At a glance

• Borrow $500 to $50,000

• Repay over up to 7 years

• Personalised interest rates from 9.95% to 29.95% p.a.

• Apply online, by phone or at a branch

• Many people apply and have their money within 24 hours (we can't guarantee it every time)

• Every application includes an affordability check

Why choose Instant Finance

• Apply online: It only takes a few minutes on your phone or computer.

• Money in your account fast: Many people apply and have their money within 24 hours. We can't guarantee it, but it happens all the time.

• A rate that suits you: Your interest rate is personalised to your situation, from 9.95% to 29.95% p.a.

• Real people: Talk to our team by phone or at one of our branches around the country.

What can a wedding loan cover?

A wedding loan is a personal loan you use for your wedding. You can put it towards most wedding costs, such as:

• venue hire, catering and drinks

• attire, rings, hair and makeup

• photography, flowers and styling

• the celebrant, transport and stationery

• travel and accommodation for the wedding or honeymoon

Plenty of couples use savings or help from family for part of the cost, and borrow for the rest.

Interest rates and fees

Your interest rate is personalised. It's based on things like your circumstances, your credit history, how much you borrow and the length of the loan.

Wedding loan calculator

Before you apply, have a play with our loan calculator.

Try a few amounts and terms, then compare the repayment with what's left in your budget each week once the bills are paid.

How much does a wedding cost in NZ?

It mostly depends on how many guests you invite, where you hold it and when.

Estimates range from about $30,000–$45,000 for 80–100 guests (Bridebook, 2026) to around $60,000 on average (RNZ, 2026).

Smaller or off-peak weddings can come in under $20,000.

See where the money goes and how couples are keeping costs down in our guide: How much does a wedding cost in NZ?

How to apply

1. Apply online in a few minutes, or call us on 0800 760 000.

2. Verify your ID online with your driver licence or passport.

3. Share your bank statements online, so we can check the loan fits your budget.

4. If you're approved, sign your loan documents online and the money goes straight into your bank account.

Most people never need to visit a branch. If you don't live near one, our team will look after you over the phone.

You need to be 18 or over and a New Zealand citizen or resident, or hold an eligible work visa.

Wedding loan questions

How much can I borrow for a wedding?

You can borrow from $500 to $50,000. How much you can borrow depends on your income, your expenses and any other debts, and we'll only lend what you can comfortably repay.

How long can I take to repay a wedding loan?

Up to 7 years. A longer term means smaller repayments but more interest overall, so it's worth trying a few options in the loan calculator.

Can I get a wedding loan with bad credit?

Possibly. A past credit problem isn't an automatic no. We look at your whole situation, including how you're managing your money now. Find out more about bad credit loans.

Can I pay off my wedding loan early?

Yes, you can pay your loan off early at any time. A small fee applies, and you can see it on our rates and fees page.

Can I add to my loan later?

If you're an existing customer and can afford higher repayments, you may be able to top up your loan. You can apply online, by phone or at a branch. Here's how to top up your loan.