A wedding loan is a personal loan designed to help cover your wedding expenses. Most wedding loans are unsecured, meaning they don’t require any property or collateral. However, Upstart may offer the option to secure your loan using your vehicle, which would involve placing a lien on the vehicle.

When you apply through Upstart and are approved, you’ll receive your loan funds as a single lump sum. You can then use that money for any wedding-related costs—such as the engagement ring, venue, catering, travel, or other important details that make your celebration unforgettable.

If you don’t have enough saved—or want to preserve your savings—a wedding loan can be a practical way to cover costs without financial strain.

Your wedding budget exceeds what you’ve saved

A vendor requires a deposit before you have the funds available

You’d rather not rely on high-interest credit cards

You want predictable monthly payments and a fixed repayment schedule

You qualify for a competitive interest rate and can confidently manage the payments

Once your loan is funded, you’ll receive the full amount in a lump sum, giving you the freedom to cover a wide range of wedding-related expenses, such as:

Engagement and wedding rings

Wedding attire for the couple and wedding party

Venue deposits and vendor payments

Travel and accommodation for guests or the honeymoon

You can borrow anywhere from $1,000 to $50,000 to help finance your wedding.³ Whether you’re planning an intimate ceremony or a large celebration, there’s flexibility to match your budget and needs. You’ll also have the option to choose a repayment term—typically 3 or 5 years—making it easier to manage your monthly payments at a pace that works for you.⁵

When you explore wedding loan options, we start with a soft credit check—this lets us show you personalized rates without impacting your credit score.

If you decide to accept a loan offer, we’ll then perform a hard credit check to confirm your details. This type of inquiry may cause a slight, temporary effect on your credit score.

We understand that you’re more than just a credit score—and your wedding loan rate should reflect your full potential. That’s why we use a smarter approach to lending.

Instead of focusing only on your credit history, our model also considers additional factors like your education⁴, work experience, and more. This helps us match you with a rate that’s fair and tailored to your unique background.
Check your rate quickly and easily—with no impact on your credit score.