Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk/en Compare our loans at AllTheLenders.org.uk

Wedding Loans for Bad Credit

Your wedding is usually one of the happiest and most important days of your life, so it's understandable that you want to try make sure it's perfect. When planning your special day, it can end up being very expensive, especially when all those wedding costs start adding up. You may spend more time worrying about how you're going to pay for it, rather than enjoying the day. That's where our wedding loans could help.

You may struggle getting a loan for a wedding from a high street lender, especially if you don't have a perfect credit score. However, at Dot Dot Loans we look at more than just that when considering your application.

We have short-term and long-term loans available, so you should be able to find a loan that suits your needs. Read on for more information about our wedding loans online and how we may be able to help you.

What is a wedding loan?

A wedding loan is a type of personal loan that can be used to help pay for your dream day, it could help ease the pressure by making sure things are covered for before you book anything or pay for an unexpected cost you may not have budgeted for. It works like any other loan, where you'll borrow a certain amount and repay it plus the interest over a time agreed upfront.

Our loans range from £100 to £5000, with fixed repayment periods of 3 to 48 months, depending on the amount you want to borrow. We like to make borrowing straightforward, that's why there's no hidden or extra charges on our loans.

What can wedding loans be used for?

Here are some of the things a wedding loan can be used towards paying for:

  • Wedding dress and bridesmaids' dresses
  • Church or registry office fee
  • Venue hire
  • Transport
  • Flowers
  • Entertainment
  • Evening reception

So, whether you're planning on a big wedding or even a small ceremony, wedding finance from Dot Dot can be used to help take care of some of the costs.

How do wedding loans work with Dot Dot

Our wedding loans online work the same as the rest of our loans. You apply online and if you're application is approved; we'll transfer the money to your bank account. You don't have to secure the money against your property or other assets as they are a type of unsecured loan. There are also no extra charges for missed or late repayments.

Short-term wedding loans

If you're considering a loan to help pay for your wedding costs, you're not alone. In the UK more people appear to be prioritising taking out a loan for their wedding over getting on the property ladder. And if you need a little bit extra our short-term wedding loans could help. They range from £100 to £1000, with a fixed repayment period of three, six or nine months, meaning you won't be tied into a long-term loan agreement.

Long-term wedding loans

When you're planning your wedding, you may have worked out the total cost for everything, only for this to change when you start booking things. This is often referred to as ‘wedding tax', where you'll be charged extra for a service once they find out it's for a wedding. Our long-term loans could help make up that difference. You could borrow between £1500 and £5000, with repayments over 18, 24, 36 or 48 months depending on the amount that you borrow.

How do I apply for a wedding loan?

Use our short-term or long-term loan calculators to see which loan suits you best. If you're happy with the costs, press ‘apply now' to go to our application form. Fill in your details and then press submit.

We will carry out a credit and affordability check to see make sure the loan is suitable for you. As part of this we'll look at your income and outgoings, not just your credit score, so don't worry if it's not perfect.

With our short-term wedding loans, we'll try to give you a decision on your application the same day. For our long-term wedding loans, we hope to give you a decision the next working day. We fund all approved loans every hour 24/7.

If you have any questions about our marriage loans, feel free to contact us or visit our FAQ section. We'll be happy to help.

Is a wedding loan right for me?

According to the FCA, the volume of people taking out loans has risen since 2016. You need to consider if this is the correct option for you though. Before you apply for any type of loan, you should ask yourself:

  • How much do you need to borrow?
  • Can you afford the repayments?
  • Are you aware of the terms and conditions, including the interest rates?

It's crucial to think carefully about your finances before applying for a loan. The MoneyHelper, StepChange and National Debtline offer free, impartial guidance for those who need it.

Am I eligible for a wedding loan?

Like all lenders, we have our own criteria which we use to decide whether we can approve your application. You can apply for one of our wedding loans today if:

  • You're over 18 years of age for a short-term loan, or over 21 for a long-term loan
  • You live in the UK and can give us address details
  • You're currently got a job
  • You've got a valid email address and phone number
  • You can provide us with bank account and debit card details

We don't expect you to have a perfect credit score and we will look at your income and outgoings too to make sure we lend responsibly.

What about wedding loans for bad credit?

We know that a poor credit score doesn't always tell the full story. That's why we make sure to look at more than this when considering your application. We factor in things like your income and outgoings, as well as your employment status to help make our decision.

Our wedding loans for bad credit are for people looking to borrow money that may not be able to borrow from other lenders. After all, we don't think a bad credit history should hold you back.

How much can I borrow?

That depends on whether you have chosen a short-term or long-term wedding loan.

  • Short-term wedding loans: £100 to £1,000 repayable over three, six or nine months
  • Long-term wedding loans: £1,500 to £5,000 repayable over 18, 24, 36 or 48 months

How do the repayments work?

Your monthly repayments will be based on the amount of money you borrow. For example, if you borrowed a £100 short-term wedding loan then the repayments will be paid over three months, but if you were to borrow a long-term wedding loan of £5000, the repayments will be over 48 months.

You can see what the monthly repayments are on our loans before you apply, by using our loan calculators.

We'll automatically collect repayments by direct debit – this is to save you the hassle of having to remember to make them each month. You can keep track of your repayments through the customer portal.

We understand that from time to time your circumstances may change. So, if you're worried that you may miss or fall behind with your repayments, please get in contact with us as soon as you can. Our friendly team will talk you through your options and try to put an alternative payment plan together.

Are there any fees I should be aware of?

Our marriage loans don't have any hidden fees or charges. You'll know all your loan costs before you agree to go ahead, and they'll never change.

Some lenders may punish you for late or missed payments, but we don't believe in doing that.

What's the interest rate?

The interest rate on your wedding loan will vary depending on the amount you borrow. However, all our interest rates are fixed up front. This means it will never change from the amount you agreed to when you took out your loan.

This way you can set a budget and stick to it.

Wedding loans with Dot Dot

A wedding can be one of life's biggest expenditures, and as we only plan on doing it once, we want to make sure we do it properly. With the average cost of a wedding cake being £500 alone - it's no surprise that many couples are taking out a loan for a wedding.

A UK wedding loan from Dot Dot Loans, could help you with the costs of getting married. Our loans are simple and straightforward. Plus, none of our loans require a guarantor to sign for the loan with you.

If you have any questions then you can always check out our FAQ section. Or just contact us. We're here to help you find the wedding loan that's right for you.

Apply now

Borrow £1500 to £5000 from Dot Dot Loans

Apply now
Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Loans from £100 to £1000

Apply now

Representative 824.7% APR

Loans from £1500 to £5000

Not available

Representative 79.4% APR


Short-term loans: 824.7% APR Representative