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Wedding Loans for Bad Credit

Secured Loans > Our Loans > Wedding Loan

Secured Wedding Loans for Bad Credit

If you’re short on savings, a wedding loan from Evolution Money could help you do your big day properly.

We offer loans for weddings from £5,000 to £100,000 with flexible repayment terms of 3 to 20 years, so you can borrow in a way that suits you. If you’re aged 21-70, living in the UK and are a homeowner with a mortgage, we could help you tie the knot.

We can offer wedding loans for bad credit in some cases and may even consider you if you’ve had CCJs, defaults or late payments in the past. Apply today and get a free, no-obligation quote to fund your special day.

You can also read reviews to see what people have said about borrowing money with us.

How much do you want to borrow? £5,000 to £100,000
For how long? 3 to 20 years.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

Do you offer wedding loans for bad credit?

At Evolution Money, we like to say “yes.” Or in this case, “I do.”

We assess far more than just your credit history when reviewing your loan application. Additionally, we’ll aim to create a loan with your unique circumstances in mind – even if you’ve had credit problems in the past or have a limited credit history. As long as we’re confident you can afford and sustain the repayments, we’ll help you plan for the big day with peace of mind.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements; a great way to invest back into your property
A wedding loan could turn your plans into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

What are wedding loans?

Getting married is the one celebration you don’t want to compromise on. And the grander your plans get, the more it might feel like your dream day is out of reach financially. A wedding day loan is one option worth considering if you’re short on savings.

A wedding loan is simply a loan you’d take out to fund your big day and everything that comes with it. It might cover all or part of costs like venue hire, catering, entertainment and outfits – as well as travel and accommodation if you’re getting hitched abroad.

We offer secured loans for weddings which are backed up by property in case you can’t make the repayments. Beyond offering your home as security, our loans work like regular instalment loans. You’ll borrow the money you need for your wedding upfront then repay it in monthly instalments with interest added on top.

What are the benefits of secured loans for weddings?

Wedding loans can provide the money you and your partner need to enjoy the event you truly want, whatever that might look like. With loan amounts from £5,000 to £100,000 and repayment terms of 1 to 20 years, you can cover some or all of your wedding costs to spread them out in a way that suits your budget.

Choosing a secured wedding loan specifically offers the following advantages:

  • Accessibility: Offering security shifts the focus away from your credit score and can increase your chances of getting approved, helping turn your dream into reality.
  • Better deals: Secured loans for weddings are less risky for lenders than unsecured loans, so you could access higher loan amounts at cheaper interest rates.

What should I consider before applying for a wedding day loan?

It’s important to think carefully before taking out a wedding loan. Assess your savings and think about how much money you actually need. Could you shop around and haggle for cheaper photography, dresses and rings for example, and borrow less as a result?

You should be confident about how you’ll pay your loan back too. With a secured wedding day loan, there’s the risk that your home will be repossessed if you can’t keep up with repayments. Missing payments can also damage your credit score and make it more difficult to borrow money in the future.

Do I qualify for a wedding loan in the UK?

You can apply for a wedding loan through our website if you meet our lending criteria:

  • You’re aged between 21 and 70 years old
  • You’re a homeowner
  • You live in the UK
  • You can afford the loan repayments based on your regular income

Do you offer wedding loans for bad credit?

At Evolution Money, we like to say “yes.” Or in this case, “I do.”

We assess far more than just your credit history when reviewing your loan application. Instead, we’ll aim to create a loan with your unique circumstances in mind – even if you’ve had credit problems in the past or have no credit history whatsoever. As long as we’re confident you can afford the repayments, we’ll help you plan for the big day with peace of mind.

How do I apply for a secured loan for my wedding?

Quick and easy to apply for one of our wedding day loans. You don’t need an in-person appointment – just complete our short online form or call us on 0161 814 9158 and we’ll give you a free, no-obligation quote.It will help both of us out if you have the following documents ready:

  • Proof of address (e.g. utility bills)
  • Proof of income (e.g. payslips from the past three months)
  • Proof of identity (e.g. passport or driving licence)
  • Bank statements from the past three months
  • Your mortgage account number and home insurance documents

What else can secured loans be used for?

Apply for a wedding loan


Questions you may have...

What size wedding day loans are available?

You could borrow between £5,000 and £100,000 with Evolution Money, subject to affordability.

What repayment terms are available for wedding loans?

We offer wedding loans with flexible repayment terms from 1 to 20 years to suit your circumstances. Longer terms can be ideal if you want to make smaller repayments, whereas shorter terms will help you pay less interest.

If you’re not sure what length of term is right for you, our qualified loan advisors can talk through your options to find something that suits your budget.

How quickly are secured loans for weddings paid out?

How soon are you getting married? We aim to fund all our secured wedding loans within a maximum of three weeks. The process is often much quicker, but please bear this timeframe in mind if you’re working to a deadline.

A great way to speed the process up is to provide any documents we ask for as quickly as possible. Read more about how our loan process works.

What will my wedding loan cost overall?

We’re honest about our costs upfront. Your total loan cost will include:

  • Your loan amount and agreed interest rate
  • A lending fee of £714.00
  • A Product Fee of 10% of your loan amount

We offer variable interest rate wedding loans, so the amount of interest you pay each month could change. All our loan offers are unique to the applicant – get a free, no-obligation quote for a more accurate idea of what yours will cost.

What if I’ve been rejected for a loan elsewhere?

We won’t automatically jilt you just because you’ve been rejected for a loan by another lender. Unlike some lenders, we look at things like your income and outgoings as well as your credit history. This means we can offer secured wedding loans for bad credit in some cases.

Bear in mind that making lots of loan applications in a short space of time can affect your credit score, however.

I have good credit, but my partner has bad credit. Should I apply for a wedding loan?

If you’re making a joint application, a low score could affect your chances together. But remember even if your credit history is imperfect, we’ll take the time to understand your wider financial situation and do all we can to find a secured loan that’s right for you.

We’ll ask for a joint application for a secured wedding loan if you own your property together.


Will my spouse’s credit score affect me once we’re married?

You’ll both continue to manage your own credit history and scores individually once married. However, if you make a joint application for a mortgage, loan or credit card, your credit histories for the joint accounts will become linked – which may affect any future credit applications you make separately or together.

Will I have to do a credit check for a wedding day loan?

We’re committed to responsible lending and carry out credit checks on all applicants to ensure all our customers get loans they can afford. Even so, your credit score won’t be the only factor we assess, so we could still offer you a wedding loan with bad credit.

Why choose Evolution Money’s loans for weddings?

  • We’ve provided loans to thousands of customers with flexible repayment terms to suit their budgets.
  • We’ll look at your financial situation as a whole, so you could still get a wedding loan with bad credit.
  • All our loan costs are clear upfront, and you won’t get hit by nasty hidden fees.
  • Over a thousand people have rated us positively on the independent review website Feefo.
  • We’re a responsible lender regulated by the Financial Conduct Authority. We’re also registered members of the Finance and Leasing Association.
  • We’re a direct lender, not a broker, so you’ll always know exactly who you’re dealing with.

Can I use a wedding loan for a honeymoon?

You could receive your wedding loan in plenty of time to pay for things like the ceremony and honeymoon bills. Evolution Money offer loans from £5,000 to £100,000 to help with all aspects of your big day – ask us for a free no-obligation quote today.

Your wedding is likely to be one of most memorable events of your life. Our wedding loans can make the planning stage easier and help you spread the cost of the final bill.

Want to know the approximate cost and timescales of your loan? Take a look at our handy loan calculator form to find out what your repayments might be.

Or, give us a quick call on 0161 814 9158 to talk through your needs and get a free, no-obligation quote from our qualified loan advisors. Remember, we look at more than credit reports, so you could still get a secured wedding loan with bad credit.

Apply for my Wedding Loan

Representative 28.96% APRC (Variable) - For a typical loan of £20,950 over 85 months with a variable interest rate of 23.00% per annum, your monthly repayments would be £537.44. Including a Product Fee of £2,095.00 (10% of the loan amount) and a Lending Fee of £714.00, the total amount repayable is £45,682.15. Annual Interest Rates ranging from 11.7% to 46.5% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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