Take financing off your checklist

Fund your big day the smart way, with wedding loans through Upstart.

Fund your wedding quickly and easily

Average wedding loan $8,636.50** | 3 & 5 year terms2 | 5.22% - 35.99%2
cover wedding expenses
Cover Wedding Expenses
Pay for vendors, location deposits and even your honeymoon.
no surprises on your big day
No surprises on your big day
Be prepared financially for unexpected wedding costs.
save money compared to credit card rates
Lower Rate
10% lower rates than traditional models.3
fast and easy application process
Fast and Easy Process
99% of applicants get money just 1 business day after accepting their loans.4

Wedding loan FAQ


What is a wedding loan?

With the average cost of a wedding at nearly $19,000 in 2020, couples may need a variety of ways to pay for their big day. A wedding loan is a type of personal loan that can help you cover your wedding expenses.

As an unsecured loan, you’ll receive the funds as a lump sum, and make fixed payments to repay the wedding loan. These payments continue until you’ve reached your loan’s full term or you’ve repaid the entire remaining loan balance. While most loans through Upstart are unsecured, certain credit unions may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.


When does a wedding loan make sense?

There are a variety of reasons getting a wedding loan might make sense. Here are just a few common scenarios you might consider when deciding whether a wedding loan is right for you:

  • Your wedding savings fund is short
  • Your vendor requires a deposit before you’re able to provide funds
  • You don’t want parents to pay for your wedding
  • You don’t want to use your emergency savings
  • You don’t want to use a credit card
  • You’d like a way to control wedding expenses with a fixed line of credit

If you’ve done your best to cut wedding costs, but still need additional funds, a wedding loan could be an option.


How can I use a wedding loan?

Wedding loans can be used on any wedding day expense. This includes, vendors, venue deposits, hotel blocks, wedding rings, attire, travel arrangements for a destination wedding, special event liability insurance, your honeymoon and more.


How much can I borrow for my wedding?

With Upstart you can borrow $1,000 to $50,000* for a three or five year term2. Most borrowers receive their funds within one business day after accepting their wedding loan terms. If you’re able to repay the loan early, all the better — there are no prepayment penalties to worry about.


How does a wedding loan affect my credit score?

Checking to see if you qualify for a wedding loan doesn’t harm your credit score1. In fact, this kind of comparison shopping produces a “soft credit inquiry” on your credit report — you’ll be able to see that it happened, but it doesn’t drop your score.

It only takes about five minutes to receive a rate quote for an Upstart powered wedding loan. If you decide to move forward, we’ll do a “hard credit inquiry” to verify the information you’ve provided. This type of inquiry may affect your credit score.


How do I apply for a wedding loan?

To apply for an Upstart powered wedding loan, start by submitting the online form to check your rate. On this form, you’ll need to include:

  • The amount you’d like to borrow
  • Basic personal information
  • Education level
  • Income type
  • Amount of savings and investments

In addition to your credit history, your education, area of study, and job history are used to determine the interest rate you’re eligible for. If the interest rate and wedding loan terms fit your needs, completing your application is easy to do and online.

** The average loan amount for a wedding is based off of actual borrowers who identified "wedding" as their primary use of funds as for the last 90 days as of July 1, 2022.