Personal loans for weddings

From finding the perfect wedding dress to choosing the ideal venue, every couple deserves to have their dream wedding.

Whether you’re planning a grand celebration or something low key, the cost of a wedding can easily add up. The average cost in the UK is said to be around £30,000.

A personal loan can help cover some or all of the following costs:

  • Wedding dress and bridesmaids’ dresses
  • Church or registry office fee
  • Venue hire
  • Accommodation
  • Transport
  • Flowers
  • Evening reception
  • Entertainment
  • Honeymoon

A loan could offer some peace of mind that your financial needs have been catered for leaving you to focus on your big day. Before taking out a personal loan, you should consider the ongoing financial commitment. Make sure you think about whether you'll be able to afford the loan repayments. You can use our calculator to work out how much your monthly repayments would be.

Why choose Sainsbury’s Bank for a wedding loan?

  • 2.8% APR representative for Nectar members, when you borrow £7,500 - £25,000 for 37-60 months
  • You can pay back your loan over 1-5 years with manageable, fixed monthly instalments
  • You can borrow between £1,000 - £30,000 if you’re a Nectar member, non-Nectar members can borrow up to £25,000
  • No application or arrangement fee
  • You could get your money in as little as 2 hours, or the next business day, once you’ve been accepted
  • Our loan application is quick and easy to complete, you can sign your agreement online, and upload any documents we might need

Can you afford a wedding loan?

Before applying you should make sure you can afford to make the repayments each month. Making a list of your incomings and outgoings will allow you to see how much money you and your partner have to spare and will help you budget.

It’s important to look at:

  • Interest rate and charges (APR)
  • Length of the loan term
  • Penalties for missed payments
  • Early repayment options

Calculate your big day interest payments

Use our calculator to figure out the interest you could pay so you know if a bank loan for your wedding is the right choice for you and your partner.

In just a few clicks, our calculator will work out what your interest rate could be and how likely you are to be accepted – without harming your credit score.

Find out what your monthly payments could be – and how much you’ll repay in total. Hopefully, this could help you budget for your wedding and your future as a couple.

All quotations given are for illustrative purposes only.

Use our loans calculator

Applying for a joint loan application? Please note, your application may take longer to process.

Which loan option is right for your wedding budget?

The interest rate of a loan will depend on how much you borrow. Discover which option best suits your budget and wedding plans.

Compare our loan options

Ready to say ‘I do’?

Being approved for a loan will depend on a variety of factors. This may include your current financial situation, your employment status and credit history. It’s best to check your own credit rating before applying for a loan to check whether you are likely to be accepted. Multiple applications and refusals can signal financial trouble or fraud and can impact your chances of being approved for a loan.

Experian, Equifax and TransUnion can provide a credit report for a fee. Or you can find some sites offer a free service to check your credit score where you can also use an eligibility checker.

Tips for wedding planning

We know organising your special day takes a lot of time, especially if you’re planning an outdoor wedding or getting married abroad. To help you get married without a hitch, our guides break down everything you need to get started.

Outdoor weddings

From picking the venue to preparing for the weather, our guide breaks down everything you need for a wedding outside.

Getting married abroad

A wedding abroad is a unique experience as each country has its own laws. Make sure you have all the information you need before you start planning your wedding day abroad.

Apply for a wedding loan

We want you to be confident in your decision for a wedding loan. Check out the lending criteria and take time to understand how the loan terms work.

Find out more

Helpful guides

Our guides can help you look into your personal loan options.

Applying for a loan online

Our guide sheds light on the criteria and information you need to apply for a loan online.

Loan application checklist

If you’re unsure whether you have everything you need to apply for a loan, our checklist can help.

More tools and guides

Everything you need to know from planning your financial future to switching loans.

Need help?

You can check out our FAQs where we’ve answered the most commonly asked questions about loans. If you're an existing loans customer, or if you have any other questions, please contact us.

Terms and conditions

Privacy policy

Key information


We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the loan you are applying for, along with an independent verification of your credit and repayment history.