We provide bad credit wedding loans, so regardless of your financial situation, you can have the wedding you always dreamed of. 

Money shouldn’t get in the way of tying the knot. Whether you need financing for your wedding venue, your rings, your photos, or any other financial burden associated with your big day, we can help you - even with no, low, or flat-out bad credit!

You can start by filling out our application and you will get approved instantly. This process takes as little as five minutes, and you’ll be connected with over 500 lenders, including popular names such as Quicken Loans, Sofi, LendingTree, and more!

The purpose of bad credit wedding financing

Once you say “I do!”, and you get started planning your special day, the sheer joy and excitement quickly turns to stress,anxiety, and disappointment. 

When you start building your list of invitees, and running the numbers, it becomes apparent just how expensive this is going to be. 

You may even start thinking about which aspects of your wedding you are willing to part ways with, and you end up settling for less than you had hoped for. 

This is not how wedding planning should be, and is precisely why we offer bad credit wedding financing to couples in need.

The average cost of a wedding in 2023

If you haven’t started doing the math yet, here is a quick breakdown for you. According to a CNN report from June 2023, the average cost of weddings in the country this year is around $29,000. However, in several big cities, the cost exceeds $35,000. The majority of this cost is attributed to the venue and catering, rings, and photos/videos.

This does not include your honeymoon, either. This on it’s own can cost thousands of dollars as well.

You may be thinking, “Oh, not my wedding. We are having a small, minimalist wedding with a realistic budget.”

Well, 50% of couples end up going WAY over their original budget. Once you start thinking about all the people you just have to invite, the costs skyrocket. 

Planning your wedding truly can get overwhelming. This doesn’t have to be the case, as we can get you wedding loans with bad credit, or even no credit. Take the stress of financing your wedding out of the equation, and you can actually enjoy the process of planning!

Do bad credit wedding loans make sense for you?

There are plenty of situations where a bad credit wedding loan can make sense. If you don’t have rich parents covering the entire cost, you may have no choice but to take out a loan.

You may have a wedding savings fund, but as you start planning, you start to realize its going to come up short. You can supplement your funds with a loan.

Or, maybe your only other option is a credit card, and having that open limit scares you. In this instance, bad credit wedding loans make sense because they are a fixed line of credit, helping you stay within your budget.

Oftentimes, vendors and venues will require a deposit way in advance of the event. If you don’t have the funds quite yet, or don’t want to put your own money down, a wedding loan makes sense.

Common questions on low credit score wedding financing

We know you have a lot of questions you want to ask before we get started, but we get some of these really frequently.

Because of this, we answer many of the common questions on low credit score wedding financing below.

What is a wedding loan?

Most of the time, a wedding loan is an unsecured personal loan. You can take it out to pay for your ceremony or reception. 

In traditional lending situations, your low credit score wedding financing will be accompanied by an egregious interest rate. That is what makes Pay My Wedding different.

When you work with us, you’ll get all your funds up front to use at your leisure, and you’ll make fixed payments over time. 

The specific amount of money and loan terms (interest, repayment period) are specific to you and whichever lender you end up working with. 

In general though, you can choose between 6-72 month loans. You’ll also enjoy a low interest rate, so you can justify borrowing money today.

How can I use a wedding loan?

You can use your wedding loan for whatever aspect of your big day you want. This includes:

• The actual wedding rings/bands

• Wedding dress/suit

• Wedding Venue

• Custom wedding cake

• Catering, food, and/or drinks

• Transportation to/from the venue to hotel blocks (limousine)

• Photos/videos

• Wedding flowers

• Entertainment, such as a band, DJ, magician, etc.

• Anything else on your list of “must haves”!

Because your wedding loan is simply a personal loan, you truly can use it for anything. 

How much can I borrow for my wedding?

When you work with us, you can borrow up to $35,000 for your wedding. Start by filling out our application, and select the amount you want to take out, starting as low as $500 and ranging up to $35,000 for those planning a lavish wedding people won’t soon forget.

You can also select your repayment terms, ranging from 6-72 months. The ideal situation for you will depend on how much you take out, and your current income levels.

Now, this doesn’t mean you’ll be approved for the exact amount you ask for. We will connect you with the best lender for you, and it is up to them how much they offer. But, you can rest assured we will work with you to find a lender that meets your specific wedding financing needs.

Will applying for a low credit wedding loan affect my credit score?

You may be hesitant to apply for a low credit wedding loan because you don’t want it to negatively affect your credit score.

After all, you are here because you have no credit or low credit to begin with! But, you don’t need to worry. Simply applying will not affect your credit score.