What is a wedding loan?
A wedding loan is a personal loan used to cover the costs of your wedding day, from the venue and catering through to the finer details that make it uniquely yours. Whether you're planning a grand celebration or something more intimate, a wedding loan could put the funding in place so you can bring your vision to life.
We're a licensed financial advice provider, not a bank. That means we compare rates and terms across our lender panel to find the most suitable option for your situation, giving you more choice and a better chance of finding finance that fits your budget.
What can you use a wedding loan for?
From the venue costs to the finishing touches, a wedding loan can help cover:
Why choose Armstrong's Finance for your wedding loan?
Secured or unsecured options
Our wedding loans are available as both secured and unsecured, so we can find the right fit for your situation. We'll walk you through the options before you commit.
Borrow what you need
Choose the loan amount and repayment term that suits your budget and timeline.
Transparent pricing
No hidden fees, no nasty surprises. Everything is laid out upfront.
Fast approval
Apply online in minutes. If approved, funds can be in your account the same day. Subject to responsible lending criteria and lender assessment.
Simple by design
How it works
Getting a wedding loan through Armstrong's Finance is straightforward. Here's how it works:
Get a quick quote
Use our online quote tool to check your personalised rate and repayment options in minutes. You can also try our personal loan calculator to plan your repayments. It's obligation-free and won't affect your credit score.
Submit your application
Once you're happy with your quote, complete your application online. We'll ask for a few supporting documents, things like proof of income and ID. Our team will keep it as simple as possible.
We go to work for you
As your broker, we submit your application across our lender panel to find the most suitable match for your situation. Subject to responsible lending criteria and lender assessment, funds can be in your account the same day if approved.
Focus on your big day
With funds in place, you're free to confirm your bookings, pay your vendors and put more energy into the day itself.
Am I eligible?
Armstrong's Finance wedding loans are available to a wide range of New Zealanders. We assess every application individually, so even if you've been turned down elsewhere, it's worth talking to us.
To be eligible for a wedding loan, you'll need to:
Frequently asked questions
Wedding Loans
4 FAQsquestions
Wedding Loans
4 FAQsquestions-
What is a wedding loan?
A wedding loan is a personal loan designed to help you cover the costs of your big day, so you don't have to dip into all your savings. You can use it for anything from booking your venue and paying deposits to covering last-minute details. Wedding loans can also help with proposals, engagement parties, honeymoons, or any other special moments along the way.
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What can a wedding loan be used for?
You can use your wedding loan for just about anything, from venue hire and catering to styling, entertainment, wedding attire, travel, and more. Whether it's flowers, photography, or even the honeymoon, your loan can help cover the costs that matter most to you.
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How much can I borrow for a wedding?
The amount you can borrow depends on your individual circumstances and the lender's critera. When working out how much to borrow, it's important to consider your repayment capacity and not borrow more than you comfortably need. We'll talk you through your options so you can make an informed decision.
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Can I apply for a wedding loan if I'm self-employed?
Absolutely. The amount you can borrow for your wedding will depend on your situation and what the lender requires. We'll help you look at your budget and make sure you only borrow what you feel comfortable repaying. Our team is here to walk you through your options so you can choose what works best for you.
Ready when you are
Apply in minutes. Know your options today.
No obligation. Just a clear picture of what's available to you.
No obligation. Just a clear picture of what's available to you.
Loan Information
Armstrong's Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrong's Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrong's Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrong's Finance Limited may receive different commission rates from different lenders. We manage this conflict by recommending products based on your individual needs and circumstances rather than the level of commission received. Full details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. Rates are variable unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.