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Wedding loans from $3,000–$50,000
Paying for your wedding could be less stressful with these exclusive benefits for eligible borrowers:
No fees required: No prepayment, late, or mandatory origination fees1
Rate Drop Reward: Lower your rate by up to 0.75% as you reach certain repayment milestones2
Skip 1 payment a year: No penalty fees, just breathing room3
Get your funds in as little as 24 hours: For one less thing to stress about4
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What is a wedding loan?
A wedding loan is a personal loan used to cover the costs of your big day and everything that comes with it. You repay the funds over time in fixed monthly payments, which could help you avoid high-interest debt in the future.
You can use it for:
Venue and vendor bookings
Catering and bar services
Wedding dress and attire
Photography and entertainment
Travel and honeymoon expenses
Decorations, rentals, or coordination services
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Rate Drop Reward: Only with Earnest
You could lower your interest rate by up to 0.75% as you pay down your loan on time each month. Say you start with a 10% fixed interest rate—you could qualify for a rate as low as 9.25% once you've paid off 75% of your loan. The result? You'll pay less interest overall. It's our way of rewarding responsible repayment, not just collecting payments.
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Check your rate in minutes
Zero credit score impact
Submit your application
3 simple steps you can complete in minutes
Customize your loan
Choose from up to 72 payment options
How to know if a wedding loan could be right for you
Weddings are special—and expensive. A personal loan lets you lock in vendors now and pay over time, with one fixed monthly payment instead of a card balance you're still carrying on your first anniversary.
It may be a fit if you:
Set a total budget first and are borrowing only the gap
Want to secure deposits or early-bird pricing before prices climb
Prefer one predictable payment to a revolving credit card balance
What to know before you apply:
Your rate depends on your credit—the strongest credit typically earns the lowest rates
Applying involves a hard credit inquiry, which can temporarily affect your score
Approved funds go straight to your bank account and can be available as soon as the next business day
Borrow only what you need, and leave room for the unexpected. Check your rate in minutes, with no impact to your credit.
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You could save thousands in interest with an Earnest Personal Loan
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†Average credit card annual percentage rates (APR) are accurate as of the Federal Reserve G.19 release on 04/07/2026 (reflecting data from February 2026). Source: https://www.federalreserve.gov/releases/g19/current/
‡Example chart reflects a 7-year Earnest Personal Loan with a fixed rate of 14% APR (the mid-range of rates as of April 2026). Earnest Personal Loans are subject to credit approval; available rates are subject to change and exclude any discounts. The 'High-Interest Rate Credit Card' APR of 21.52% is the average rate reported for February 2026. Savings estimates assume you make all payments on time as scheduled for 84 months, without taking on additional credit card debt. The calculation also assumes no origination fees or early prepayments.
FAQs about wedding loans
Have more questions? Visit the Resource Center.
From the Earnest Blog
Tips and tools for managing your wedding loan
Disclaimer: This page provides personal finance educational information, and it is not intended to provide legal, financial, or tax advice.
1 You may qualify for a lower interest rate by electing to pay an optional origination fee that is equal to 1-8% of your total loan amount. The fee is deducted from your loan proceeds at disbursement. This fee is not required and it will not impact your loan approval.
2 You may be eligible for up to a 0.75% interest rate reduction, earned in 0.25% increments, by meeting the following milestones:
• 25% of your loan principal is repaid and you make at least 12 consecutive on-time monthly payments
• 50% of your loan principal is repaid and you make an additional 12 consecutive on-time monthly payments since the prior rate reduction
• 75% of your loan principal is repaid and you make an additional 12 consecutive on-time monthly payments since the prior rate reduction
Rate reductions are applied automatically once earned. Lump-sum payments cannot accelerate the timing of discounts.
3 Earnest clients may skip a payment through a single, one-month deferment during a 12-month period. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods.
4 24 hour funding is not guaranteed and is subject to the availability of funds which includes but is not limited to the time of loan approval, verification requirements, and bank processing times.