Wedding loans

A personal loan could help to cover the costs of your wedding day. You can use it to pay for things like the venue hire and accommodation.

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

How our wedding loans work

  • Borrow between £1,000 and £50,000 and pick a term over 1-7 years. 
  • If approved, the money could be in your account the same day, 9am-8.30pm, or before 9am the next working day.
  • Manage your loan using Internet Banking or the Mobile Banking app, phone or pop into a branch.
  • Spread the cost of your wedding and pay it off in monthly instalments
  • Lending and rate are based on an assessment of your personal circumstances.

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.

Deciding how much to borrow - Will you be able to afford to pay the loan back if your circumstances change?

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.

Good to know

Repayment holidays – Once you've made the first monthly repayment on your loan, you’ll have the option to apply for a repayment holiday. You can apply for up to two non-consecutive repayment holidays of one month each, in a rolling 12-month period (subject to approval). 

Just be aware – even though you won’t need to make your usual repayment during your repayment holiday, we’ll still charge daily interest on your loan. This means you’ll pay more overall, and your loan’s end date will be extended by one month each time.

Make extra payments with no extra charges.

Pay off your loan early if you want. We may charge up to 58 days' interest for early settlement.

Getting your quote

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.
  • This won't affect your credit score.
  • If you go on to apply, you’ll get a 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.

    You can 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:

    • Gambling
    • Investments, such as stocks, shares and crypto currency
    • Business reasons
    • Land or property – buying, leasing or paying a deposit
    • Timeshare or Holiday clubs
    • Anything illegal

  • 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.

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