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100% online

7-minute quote

Interest rates

from 7.95% p.a.*

Borrow from

$2K - $50K

Direct lender

100% kiwi

How much do you need for your wedding?

$2,000
$50,000

per

Over

Total Payable: $27,363
Repayments as low as
$105.24
Get a personalised estimate
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Won’t affect your credit score.

*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances. A $230 establishment fee and $1.75 admin fee per repayment applies. Calculator results are a guide based on an 11.95% interest rate and include the above fees.

Get your personalised loan quote as soon as possible*

  • 01

    Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • 02

    Choose a loan option

    Select the amount and payment option that suits you.

  • 03

    Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

Check your rate
*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances, and is subject to responsible lending checks, credit criteria and terms and conditions. A $230 establishment fee and $1.75 admin fee per repayment applies.

Up front rates with no hidden fees

  • Loan sizes

    $2,000 - $50,000

  • Establishment fee

    $230. $1.75 admin fee per repayment

  • Interest rates

    7.95% - 29.95% p.a. fixed

  • Loan terms

    6 months - 5 years

Loan Features

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • You can make repayments weekly, fortnightly or monthly depending on your pay cycle
Find out more about Nectar's interest rates and fees

Eligibility Criteria

  • You must be 18 or over
  • You must have an income of $350 per week (after tax) or more
  • You must be a permanent resident or citizen of New Zealand
  • You must not have any serious bad debts or payment defaults
  • You must have a New Zealand driver's licence or New Zealand passport

Wedding finance made easy

1. What is a wedding loan?

A wedding loan is a fixed-term personal loan used to cover wedding-related costs like venue deposits, catering, photography, attire, and décor. You repay it in regular instalments with a fixed interest rate, so your repayments stay the same.

See more: Guide to Smart Wedding Loans in NZ

2. How much can I borrow and for how long?

You can apply to borrow $2,000–$50,000 on terms from 6 months to 5 years, subject to lending criteria and affordability checks. Choose weekly, fortnightly or monthly repayments to match your pay cycle.

3. What interest rates and fees will I pay?

Personalised fixed interest rates currently range from 9.95% p.a. to 29.95% p.a. Standard fees include a $240 establishment fee and a $1.75 administration fee per repayment. There are no early repayment penalties.

See the full breakdown on the Rates & Terms page.

4. How fast can we get the money?

Complete the online application (about 7 minutes) to receive an instant quote with your rate, eligible amount and repayment options. If approved and your digital contract is signed, we aim to pay funds the same day (during processing hours).

5. What can we use a wedding loan for?

Anything wedding-related: venue and catering deposits, photographer/videographer, entertainment, attire, flowers, transport, and even contingency for last-minute changes.

Helpful read: Five Ways to Finance Your Dream Wedding

6. How do we keep to our budget without cutting the magic?

Prioritise the moments that matter, get multiple quotes, trim guest numbers, and lock in off-peak dates if possible. DIY selectively (stationery, favours) and track spend weekly.

Tips: Where to Splurge and Save on Your Wedding

7. Can a wedding loan cover the honeymoon too?

Yes—many couples include a modest honeymoon budget in the same loan for simplicity. Build in flights, accommodation and travel insurance, and keep a buffer for exchange-rate shifts.

Read next: Planning your dream honeymoon (a loan can make it possible)

8. Is using a loan smarter than putting it on a credit card?

For larger, planned expenses, a fixed-rate loan provides predictable repayments and a clear end date. Credit cards can be useful for small, short-term costs but unpaid balances often attract higher, variable rates.

Overview: Smart Wedding Loans in NZ

9. Can we make extra repayments or repay early?

Yes. You can make extra repayments or repay early at any time, and there are no early repayment penalties. Paying sooner reduces total interest.

10. What if our plans (or prices) change?

If costs come in lower, pay extra to finish earlier. If they rise, you may be eligible to apply for a top-up (subject to lending criteria). Keep receipts and update your budget as suppliers quote.

11. Do we qualify for a wedding loan?

As a guide, applicants should be 18+, a NZ citizen or permanent resident, have a regular NZ income and valid photo ID, and no serious bad debts or defaults. All applications are subject to responsible lending checks.

12. What do we need to apply?

Have your NZ driver licence or passport, internet banking access, and details about your income, expenses and living situation. Providing complete info helps us assess and fund faster.

Our latest resources

Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation.

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