A wedding loan to make your dreams a reality
We offer wedding loans to help you pay for as much or as little as you want. With a wedding loan, you can gain the financial freedom to make the most of your special day. Apply online today and take finance out of the equation.
- Get a personalised wedding loan to suit you and your needs
- Choose the perfect venue, catering, photographer, and more
- We can even help finance the honeymoon afterward!
Enjoy your big day
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 the best way possible. 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 the best wedding loans in NZ. Rather than using a credit card to pay off the event, we can offer lower repayments, so you can manage the full cost easier, and budget for the repayments with certainty.
Apply online
Complete our simple online loan application form. It only takes a couple of minutes *
Competitive rates
Your application will be reviewed by one of our team ASAP, and we will send you a response as fast as we can. In some cases, this may be the next business day.
Get paid
Once your application is accepted, the money is deposited in your bank account! It couldn’t be easier.
* Loan applications are subject to responsible lending checks
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—there’s a reason we’ve been New Zealand’s favourite wedding loan lenders for nearly three decades!
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 of getting a wedding loan include:
- Allows you to plan your dream wedding without budget constraints
- Flexibility to pay for anything related to your wedding
- Allows you to avoid borrowing money from family
- Lets you keep your savings for other expenses
- Rather than paying one large sum at once, loan repayments can be made 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
- Take the bite out of financing the immediate costs
- Plan your wedding without budget constraints
- 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 Money Shop, you can get your wedding loan approved quickly and efficiently. Our flexible and responsive service also means you can make lower repayments and budget for repayments with certainty.
What should I use a wedding loan for?
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 New Zealand’s favourite wedding loan lender for nearly three decades! 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 and your application will be in the hands of our staff and ready for approval ASAP.
I have more questions about wedding loans!
If you have any more questions or need some help getting the application process going, we’ve got helpful resources to help you get started. If you’ve got any other questions, contact us and we’ll reach out to you in no time!
Any more questions?
Our friendly team are here to help you throughout the entire lending process. Call us on 0800 66 66 39 or get in contact with us here
Our costs and terms
Loan amount
Borrow between $200 and $20,000, depending on your situation. Example: $3,000 over 78 weeks = $58.87/week.
Loan terms
Choose a term from 3 months to 3 years. Repay weekly. We’ll show your full schedule upfront.
Interest rate
The interest rates are 29.95% for loans with security or refinanced from existing loans, new unsecured loans are also 29.95%. The rate is fixed for the whole of the contract. Interest charges are calculated by multiplying the unpaid balance at the end of the day by a daily interest rate. The daily interest rate is calculated by dividing the annual interest rate by 365. Interest is 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 |
| $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 more than three years | $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.
Rate type
Your rate stays the same for the whole loan. No surprises. No hidden fees.
Repayment frequency
Pay weekly. Example: $1,500 over 52 weeks = $44.83/week.
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
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 check your rate with our personal loan calculator?
Learn more about loan costs, interest rates, and fees on our Cost of Borrowing page.
