Wedding loans

A personal loan could help make your dreams for your wedding day become a reality. You can use it to pay for things like the venue hire and accommodation.

What are the benefits?

With a wedding loan you could benefit from:

  • 6.4% APR Representative on loans between Â£7,500 - £25,000 over 1-5 years. 
  • loans between £1,000 and £50,000 over 1 to7 years. 
  • a wedding you really want without needing to pay for it all up front.
  • spreading the cost of your wedding and pay it off in monthly instalments to suit your budget.
  • the flexibility in what you use the loan for – you don’t have to use it for the wedding.

Other amounts and terms are available at different rates.

Things to consider

Weddings can be expensive, but a loan can help you spread the cost over time. You’ll pay more overall because of the interest we charge on the amount borrowed.

Planning - There are many things to consider when organising a wedding. A budget will give you a good idea of what your biggest expenses will be and how much everything will cost.

Do your research - It is important to understand if you are getting a fair price on things for your wedding. Do research and shop around to get the best deals.

Other borrowing options - Is a loan the right choice for you? There may be other borrowing options that are better suited to your personal circumstances.

Apply for a wedding loan

To apply for a wedding loan, you need to:

  • be aged 18 or older
  • be a UK resident (excluding Channel Islands and the Isle of Man)
  • have held a Lloyds Bank current account for at least 1 month
  • be in paid employment, have a regular income and are not a full-time student
  • have a good credit score, with no history of poor credit, such as CCJs or bankruptcy.
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Why select Lloyds Bank?

How our wedding loans work

  • Borrow between £1,000 and £50,000 over 1-7 years. 
  • 6.4% APR Representative on loans between £7,500 - £25,000 over 1-5 years.
  • For completed applications the money will be in your account the same day; 9am-8.30pm, or before 9am the next day.
  • Manage your loan using Internet Banking or the Mobile Banking app, phone or pop into a branch.
  • Lending and rate are based on an assessment of your personal circumstances.

Offering you flexibility

  • Repayment holidays - you can apply for up to two repayment holidays of 1 month in a rolling 12-month period, depending on approval.
  • Make over payments - with no extra charge.
  • Early repayment - You can opt to pay your loan off early but, we can charge up to 58 days' interest. You’re still likely to save on interest repayment overall.

Why choose Lloyds Bank?

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £235.86. Total amount repayable will be £11,321.28. Representative 6.4% APR, annual interest rate (fixed) 6.22%.

This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR is 29.9% APR.

Loan calculator

Use our handy loan calculator to work out how much your loan payments could be. It will give an indication of monthly payments and APR.

Find out your personalised rate by logging on to Internet Banking.

Get a quote in minutes

Log on to Internet Banking to get a personalised quote.

  • Tell us how much you want to borrow and over how long to get a quote in minutes.
  • This won't affect your credit score.
  • If you go on to apply, you’ll get an instant loan decision online.

Log on to get a quote

Frequently asked questions

  • Using a loan to pay for your wedding depends on your individual circumstances.  Weddings can be very expensive and a loan can help you spread the cost over time. , With a loan, you'll end up paying more overall because of the interest charged. For some people, paying the loan back monthly may be worth the higher cost, but that is a decision you’ll need to make.

    Use our loan calculator to get an idea of what your monthly repayments may look like. You can also get a personalised quote by logging on to Internet Banking.

    Saving up and paying for as much as you can afford before your wedding is always a good idea. This can reduce the amount you may need to borrow – you might not need to borrow at all. Our budgeting tips may help you save for your wedding.

    If you do want to borrow money to help pay for your wedding, there are other options available. It is important to select the one that suits your needs. View our borrowing options or learn more about the ways you can pay for a wedding.

  • A wedding loan is a personal loan. Once the money is in your account, you then have the flexibility in how you want to use the loan towards the cost of your wedding.

    There are some things you can't use a personal loan for. 

    We can't issue loans for:

    - Any illegal activity.

    - Speculative purchases such as, gambling, investments and share purchases.

    - Business-related purposes.

    - The purchase or lease of land or property, either in full or in part. This includes deposits.

    - Timeshares/holiday clubs.

    These limits apply whether you want to borrow money for yourself, or to support someone else. For example, you can't take out a loan and give it to someone as a deposit for a house.

  • Getting a personalised quote with us does not use a credit check or affect your credit score.

    When you apply for a wedding loan, we will perform a credit check. This is to help us understand how likely you are to pay the loan back. Learn more about how credit checks work.

  • We look at lots of things when calculating the interest rate you are offered. When you apply, we will give you a personalised quote based on many factors, such as:

    - Credit history.

    - Past account history.

    - How much you want to borrow.

    - How long you want to repay the loan over.

    - Other personal details we hold.

  • You'll start to repay the loan the month after you take it out - you can specify which date each month the repayment comes out. 

    You can change this date in the future if you need to. The repayments will be taken each month by Direct Debit.

    The repayments are fixed so they won't change until the loan is paid off.

    If you miss a repayment (such as there is not enough money in your account), we will try once more to take it by Direct Debit within 7 days. If we still can't take your repayment, you'll be charged a £25 fee. Full details will be provided when you apply.

    You can make extra payments with no charge. If you pay the loan off early, we may charge you up to 58 days’ interest – but you are still likely to save on interest payments.

Other ways to apply

Apply in branch – our local branch will be happy to help you apply for a loan.

Find your nearest branch 

Apply over the phone – if you have a:  

  • Lloyds Bank Current Account, call us on 0330 123 3890.
  • Credit card, mortgage or existing loan with us, call us on 0330 123 4715. 

Speak to an adviser 8am-10pm, every day.

More about loans

Further support

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

How much we lend and the rate available are subject to our assessment of your circumstances. You must be 18 years of age or over and a UK resident. You must have had a Lloyds Bank current account for at least one month.