Wedding Loans NZ from $200 to $20,000
Spread the cost of your big day with a MoneyShop wedding loan. Fixed interest at 29.95% p.a. Apply online or visit a branch. We've been helping New Zealanders since 1993. Loans over $5,000 require security.
Wedding loans from $200 to $20,000
Helping New Zealanders since 1993
Apply online or visit a branch
Enjoy your big day with a wedding loan
Wedding loans can help you enjoy your special day without worrying about finances! Here at MoneyShop, we love helping people begin their lives together in a way that works for you. We work with you to make sure you get a personal wedding loan that’s perfect for you and the event you have in mind. With MoneyShop on your side, you’ll be able to choose the perfect venue, catering, photographer, and more—our loans can help you pay off as much or as little of the costs as you want. We can even help you finance the honeymoon afterwards!
Why choose MoneyShop for your Wedding Loan
Here at MoneyShop, we aim to give you a wedding loan at a fixed 29.95% p.a. Rather than using a credit card to pay off the event, you can budget repayments with certainty. Lending criteria apply.
Apply for a wedding loan
Complete our online wedding loan application. It only takes a couple of minutes *
Budget the big day
Use the calculator to see weekly repayments for venue, catering, photographer, or honeymoon costs before you apply.
Get paid if approved
If your application is accepted, funds go to your bank account. Lending criteria apply.
Enjoy planning your wedding
By taking financing out of the equation, you can make the process that much easier. We offer fast, easy, and ethical financing options, so you can count on us to support you on your big day.
Focus on the day
With financing sorted, you can plan the venue, catering, photographer, and more without the money stress hanging over every decision.
Trusted wedding finance
MoneyShop has been helping New Zealanders with wedding loans since 1993 — fast, easy, and ethical financing for your special day, subject to responsible lending requirements.
Enjoy planning your wedding
Our clients love us!
Wedding Loan FAQ
How much is a wedding loan?
You can borrow anything from as little as $200 to as much as $20,000 for your wedding loan, depending on your wedding needs.
Should I get a wedding loan?
A wedding loan can make it easier to plan your special day without worrying about finances. The pros include planning your dream wedding without budget constraints, flexibility to pay for anything related to your wedding, and repayments over time within a timeframe that works for you.
Are wedding loans a good idea?
It depends on your situation and needs. A wedding loan can be an excellent option if you want to avoid credit card debt, plan without budget constraints, or avoid borrowing from family.
How can I get a wedding loan with bad credit?
Give us a call and we can do a credit check to see if we can help.
Do banks give loans for weddings?
They do—however, banks can be harder to work with and more difficult to get a loan approved. Through private lenders like MoneyShop, you can get your wedding loan approved quickly and efficiently.
What should I use a wedding loan for?
Venue, engagement and wedding rings, honeymoon, catering, entertainment, photographer, dresses and suits.
Why should I get my wedding loan from MoneyShop?
MoneyShop has been helping New Zealanders with wedding loans since 1993. We are all about providing quick and easy solutions to help you finance your wedding. It only takes 2 minutes to apply for a wedding loan online at a fixed 29.95% p.a., and your application will be in the hands of our staff, subject to responsible lending requirements.
I have more questions about wedding loans!
If you have any more questions or need some help getting the application process going, contact us and we’ll reach out to you in no time!
Any more questions?
Contact UsOur friendly team are here to help throughout the lending process. Call us on 0800 66 66 39 or get in touch online.
Ready when you are
Planning your wedding?
Prefer to talk? Call 0800 66 66 39.
Our costs and terms
Clear, upfront pricing with no hidden fees.
Loan amount
$200–$20,000
Loan terms
3 months–3 years
Fixed rate
29.95% p.a.
Repayments
Weekly
Interest rate
The interest rate is 29.95% p.a. for secured, refinanced, and new unsecured loans. Your rate is fixed for the whole contract — no surprises, no hidden fees.
Interest is calculated daily on the unpaid balance (annual rate ÷ 365) and charged when instalments fall due.
Default interest rate
MoneyShop doesn't charge default interest. If your account falls behind, a $1 daily arrears fee may apply until things are back on track. Reversed payments incur a $5 fee, and missed-payment contact may involve a letter fee (up to $50), a $5 phone fee, or an $80 + GST home-visit fee. Any third-party recovery costs are passed on at cost.
Establishment fees
One-time setup fee based on loan size:
| Fee | Cost |
|---|---|
| $200 to $499 | $65.00 |
| $500 to $800 | $160.00 |
| $800 to $5,000 for three years or less | $300.00 |
| $5,000 to $15,000 for three years or less | $310.00 |
| Over $15,000 for three years or less | $455.00 |
Some loan setup costs come from third parties — such as credit checks, PPSR searches, and security-registration fees — and these are passed on at cost. Your account also has a daily administration charge of 55c while it's open. We send statements every six months, and extra statements are free by email or $5 if printed. If you repay your loan early, an administration fee of $50 (averaged) may apply, along with any third-party deregistration costs.
Repayment example
Borrowing $3,000 over 78 weeks
- Weekly repayment: $58.87
- Total repayments: $4,592.86
- Includes: Interest, $300 establishment fee, $0.55/day admin fee
- Does not include: Any optional or default-related fees
Also: $1,500 over 52 weeks = $44.83/week.
This example assumes a fixed interest rate of 29.95% p.a., no missed payments, and no early repayment. Actual costs may vary depending on your loan amount, term, and repayment history.
Want to calculate repayments with our personal loan calculator?
Loan CalculatorLearn more about loan costs, interest rates, and fees on our Cost of Borrowing page.