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Expertly compared by Daniel Tannenbaum

Products Updated September 1, 2021

The actual rate you're offered will depend on your personal circumstances – including your credit rating.

16 providers expertly compared:

Natwest Bank

Loan Amount
£7,500 - £19,950

Annual Percentage Rate (APR)
3.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.8/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.9%

Total repaid will be:

£50,805

With the Natwest if you're thinking about buying a new car, getting your your finances in order or making some new home improvements then a loan from the Natwest could be just what you need.

Representative Example

16 providers expertly compared:

Royal Bank of Scotland

Loan Amount
£1,000 - £50,000

Annual Percentage Rate (APR)
3.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.9%

Total repaid will be:

£50,805

To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months). Borrowing money is a big decision. But with a personal loan from the RBS, it doesn't have to be a headache.

Representative Example

16 providers expertly compared:

Paragon Bank

Loan Amount
£10,000 - £250,000

Annual Percentage Rate (APR)
3.7%

Loan Term
1 - 30 years

Loan Type
Secured & Unsecured Loans

Status
Homeowners & Tenants

Rated 4.7/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.7%

Total repaid will be:

£50,805

Paragons finance packages contain flexible terms to make sure you get a deal that's right for you. From personal loans to second charge mortgages Paragon has a range of funding solutions

16 providers expertly compared:

Hastings Direct

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.8%

Loan Term
0 - 5 years

Loan Type
Unsecured Personal Loan

Status

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.8%

Total repaid will be:

£50,805

If you're looking to replace your car, planning on some new home improvements, or you simply wish to get your finances in order, a personal loan from Hastings Direct could be the funding solution you're looking for.

Representative Example

16 providers expertly compared:

Prestige Finance

Loan Amount
£10,000 - £250,000

Annual Percentage Rate (APR)
3.8%

Loan Term
1 - 30 years

Loan Type
Secured Loans

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.8%

Total repaid will be:

£50,805

Prestige Finance is part of OneSavings Bank who are a specialist lender, primarily focused on carefully selected sub-sectors of the mortgage and loan market through an integrated multi-brand approach.

16 providers expertly compared:

Post Office

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.1%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.1%

Total repaid will be:

£50,805

Loans from the Post Office are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. Terms from 1 year to 7 years, depending on the amount borrowed and funds could be transferred the following day with an instant lending decision in most cases.

Representative Example

16 providers expertly compared:

AA Loans

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
3.1%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

3.1%

Total repaid will be:

£50,805

The AA don't just keep cars on the road, they can help keep your finances running smoothly too. Whether it's a new purchase, a holiday in the sun or getting some help to manage your existing debt the AA is here to help with a personal loan.

Representative Example

16 providers expertly compared:

Leap

Loan Amount
£100 - £15,000

Annual Percentage Rate (APR)
4%

Loan Term
1 - 6 years

Loan Type
Peer-to-Peer Loan

Status
Homeowners & Tenants

Rated 4.8/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

4%

Total repaid will be:

£50,805

Leap's aim is to help streamline your debts with a low-interest peer-to-peer loan, so you’ll have more money to do more of what you love doing.

16 providers expertly compared:

Lending Works

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
7.9%

Loan Term
1 - 5 years

Loan Type
Peer-to-Peer Loans

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

7.9%

Total repaid will be:

£50,805

Lending Works is a peer to peer lender that connects people that want to invest their money with borrowers who want to get a better rate on their personal loan. Loans available from £1,000 to £25,000 over 1 -5 years.

16 providers expertly compared:

Zopa

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
9.9%

Loan Term
1 - 7 years

Loan Type
Peer to Peer Lender

Status
Homeowners & Tenants

Rated 5.0/ 5

Good Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

9.9%

Total repaid will be:

£50,805

Zopa directly match people looking for a personal loan with people looking to invest. It's their way of making money simple and fair. Since 2005 Zopa have approved a staggering £2.92 billion in loans.

Representative Example

16 providers expertly compared:

My Community Finance

Loan Amount
£1,500 - £25,000

Annual Percentage Rate (APR)
23.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

23.9%

Total repaid will be:

£50,805

My Community Finance have taken inspiration from the past to build a better financial future - where community matters. They’re a network of Credit Unions and ethical lenders. My Community Finance looks to give everyone access to fairly priced financial products.

Representative Example

16 providers expertly compared:

Lendable

Loan Amount
£1,000 - £25,000

Annual Percentage Rate (APR)
27.9%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.3/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

27.9%

Total repaid will be:

£50,805

Lenable offer fast loans at fair rates. See your rate before you apply - it won’t affect your credit score. Lendable offer a paperless application with instant quotes. You can manage your loan online, top up, repay early without a settlement fee.

Representative Example

16 providers expertly compared:

Oplo

Loan Amount
£2,000 - £15,000

Annual Percentage Rate (APR)
18.2%

Loan Term
2 - 6 years

Loan Type
Poor Credit Lender

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

18.2%

Total repaid will be:

£50,805

Oplo Personal Loans offer unsecured personal loans from £2,000 to £15,000. Whether you’re looking to buy a new car, a new kitchen or thinking of any type of major purchase they can help secure the funding you need.

Representative Example

16 providers expertly compared:

Koyo

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£1,000 - £7,500

Annual Percentage Rate (APR)
27%

Loan Term
1 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.4/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

27%

Total repaid will be:

£50,805

Koyo offers one-day loan approval and they normally give a decision after 1 full working day. Once approved, Koyo says the money could be in your account within 1 working day.

Representative Example

16 providers expertly compared:

Everyday Loans

Loan Amount
£1,000 - £15,000

Annual Percentage Rate (APR)
93.6%

Loan Term
2 - 5 years

Loan Type
Unsecured Personal Loan

Status
Homeowners & Tenants

Rated 4.3/ 5

Poor Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

93.6%

Total repaid will be:

£50,805

With everyday loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

Representative Example

16 providers expertly compared:

Buddy Loans

Loan Amount
£999 - £10,000

Annual Percentage Rate (APR)
49.9%

Loan Term
1 - 5 years

Loan Type
Guarantor Loan

Status

Rated 4.2/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Annual Percentage Rate (APR):

49.9%

Total repaid will be:

£50,805

At Buddy Loans their goal is to pay out your money on the same day of the application and they will still consider your application if you can afford it, even if you have CCJs or DEFAULTS. Buddy Loans can be used for any purpose such as debt consolidation, car purchase or home improvements.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.5 / 5 with 2 votes

Good comparison

by Mandy Thomson

Good comparison service and lenders to choose from. Easy application form.

Plently of loans to choose from

by SL

These facility by Feasible.co.uk provided many solutions and gave me choice of several lenders as part of the search. Vey fast and no issues using them. Quick to phone me back also.

Find The Best Wedding Loans with Lending Expert Today!

If you are starting to prepare for the big day, Lending Expert is here to offer you a number of affordable wedding loans and options, with rates starting from just 2.9% APR.

With the average wedding in the UK costing around £30,000, your big day is usually one of the biggest purchases of your life, next to your home and car – and you want to make sure that you do it right.

Our table shows the best loans for a wedding – and we are pleased to provide a number of options including personal, unsecured, secured and guarantor loans, ranging from £500 to £25,000. With a completely online application, Lending Expert wants to help you celebrate your day in style, giving you access to the most competitive rates and highest approval, whether you have good or bad credit scores.

Simply click on the lender of your choice and click on ‘Check My Eligibility’ to get started.

 

Is a Wedding Loan a Good Idea?

Whether getting a loan for a wedding is a good idea or not will depend on your personal circumstances. But one of the main advantages is that you get to spread repayment over 5 or 7 years if you would like to. 

As if organising a wedding is not stressful enough, you can use a wedding loan to ease some of the financial pressures – and you will have plenty of time to pay it off in equal instalments.

Wedding loans can also be available at very low rates, with unsecured loans starting from 2.9% APR and secured loans starting from 3.34% APRC – although subject to status.

You want to enjoy every aspect of the wedding, from the organising, meeting with contractors, the celebration and quality time with your new love and closest family and friends.

 

What Can a Wedding Loan Pay For?

  • Catering
  • Venue hire
  • Church or religious ceremony
  • Production (lighting, staging and seating)
  • Function band
  • Invitations
  • Master of ceremonies
  • Hair and make-up
  • Suits and wedding dress
  • Engagement and wedding rings
  • Video production and photographer
  • Wedding carriage 
  • Wedding insurance

 

What Are The Best Loans for a Wedding? 

When it comes to wedding finance, the most common option is a personal loan, which is used for personal reasons and allows you to borrow up to £25,000 repaid over 1 to 7 years.

This is very similar to an unsecured loan, because it is not secured against any physical assets such as a vehicle or property. Your eligibility is based on factors such as your stable income, credit score and affordability – and ideally you will require a good credit score in order to access the lowest rates.

If you have bad credit or poor credit, there are still a number of viable options available. You can opt for a guarantor loan which requires you to add an extra person to ‘guarantee’ repayments on your behalf if you struggle to repay (rates from 49.7% APR). 

There are also secured loans, which allows you to leverage the value of your home, car, bike or van and use this as security to borrow the money you need. You can usually borrow much larger amounts, depending on the value of your collateral, however your items may be at risk of repossession if you cannot keep up with repayments.

 

What is The Criteria To Apply?

  • Over 18 years of age
  • Full-time UK resident
  • Employed and can afford monthly repayments
  • Valid UK bank account, mobile and email address
  • No recent bankruptcy, IVAs or CCJs
  • Good or fair credit score (unsecured or personal loans)
  • Owner of vehicle or property (secured loans)
  • A guarantor (for guarantor loans)

 

Why Choose Lending Expert To Find The Best Wedding Loans?

Lending Expert is delighted to be part of your big day – and we want to take all the hassle out of the process so you can enjoy your pending nuptials in the best way possible. 

Planning a wedding is not easy, but at least you can have financial peace of mind.

We offer a full market price comparison, so you can find the best rates and apply directly with the lender today. You can usually receive an indicative decision within minutes and subject to further checks, your loan can be approved in just a matter of days (note that secured loans may take a little longer).

Our service is completely free to use – and always will be. It is completely online so you do not have to worry about filling in paperwork or queuing up at a bank branch. We have fully checked and reviewed every lender that we work with so that your loan enquiry is in good hands and you can say ‘I do!’

Can I Apply for a Wedding Loan with 0% Interest?

Yes, it is possible to find wedding loans with zero interest and this is usually in the form of credit cards. If you have an introductory offer with 0% interest and pay it off on time, you can essentially borrow money without paying any interest. There are specific credit cards available which are perfect for large purchases like a wedding – and you may be able to earn points too!

For more information: see 0% purchases credit cards

 

Can I Get a Wedding Loan with Bad Credit?

Yes, it is possible to borrow money for a wedding, even with a bad or poor credit history. We work with a number of lenders who are willing to take all circumstances into consideration and if you are committed to repaying on time, they will gladly consider your application.

Lending Expert also has options available for people with bad credit including secured loans and guarantor loans – you will just need to use some form of security or add a guarantor that you know to your application.

 

How To Apply for a Wedding Loan Online with Lending Expert

To enquire about a wedding loan, use our comparison table provided to compare loan amounts, rates and durations and once you have found the right one for you, simply click on ‘Check My Eligibility.’

You will be taken directly to the lender’s website and asked to complete a few simple details in less than 5 minutes. You should receive an immediate decision and the lender will carry out some additional checks to confirm your eligibility. We call this the honeymoon period!

Once fully approved, you are ready to tie the knot and your funds can be transferred to your bank account in just a few days. We do not charge any fees for using our service and it will not impact your credit score in any way.

Simply click on the lender of your choice to begin your life of happy ever after!

FAQ

We offer loans from £500 to £25,000 for your big day in the form of personal or unsecured loans. If you are looking to borrow more than this, you could look at a secured loan which allows you to borrow against something value such as your car or property.

Your repayments are made in equal, fixed monthly instalments over 1 to 7 years, so you can spread repayment out over time and budget perfectly in line with the wedding. Your repayments will be clearly presented to you in the loan agreement before proceeding.

Ideally, you will need a good or fair credit score to be eligible for a personal or unsecured loan - and this will give you access to the best rates. If you have bad credit, we are pleased to offer secured loans and guarantor options too.

Yes, to stay on top of budget, it might be more suitable to apply and get approved before the wedding date. You may not wish to apply too early, since this would accrue interest charges, but certainly a few months before would be sensible. This is better than having the wedding and finding it hard to pay for afterwards!

If the wedding does not go ahead, you will still be required to pay back to the loan. However, if you have not used the money yet, you can just return this to the lender. However, you will be responsible to pay for any interest charges incurred.

If you are using a secured loan, your property could be at risk of repossession if you do not keep up with repayments. However, this is a last resort and the lender will always take precautionary steps to avoid this where possible.