Low rate wedding loans

Borrow up to $45,000 to ensure nothing is missed on your wedding day

RateSetter awards 2017

Wedding bells not wedding bills

A low rate RateSetter loan can help you to manage the costs of your special day

RateSetter awards 2017

Start here

Takes 1 minute and won't affect your credit score

A smarter way to borrow for your wedding

Whether you’re looking for a little extra to pay for rings or want to cover the entire ceremony, a RateSetter personal loan can help you manage wedding costs and make your special day a truly memorable one.

  • Fast online application

    Get your personalised rate in 1 minute, then complete an application in minutes

  • Low interest rates

    We reward good borrowers with low interest to fund important wedding items like the rings

  • Flexible loan options

    Secured and unsecured personal loans from $2,001 to $45,000, from 6 months to 5 years

  • Simply smarter

    No exit fees, no early repayment penalties, and easy online loan management

Wedding loans in 48 hours

Save time before applying by making sure:

  • You are aged 21 or over
  • You are an Australian citizen or permanent resident
  • You have a regular source of income
  • You have a good credit history

Get a RateEstimate now
  1. 1

    Apply online 5 minutes

    Find your personalised rate with our 1 minute RateEstimate (it won't affect your credit score), then complete our easy online application in minutes
  2. 2

    Hear from us 2 hours

  3. 3

    Get a decision 24 hours

  4. 4

    Receive your funds 48 hours

Helping Australians to finance their dream wedding


Value of loans funded

15,000+ delighted borrowers

Avoid a credit card hangover

RateSetter is the smarter way to pay for your wedding

By not reaching for the credit card, you could save thousands. Cover the bulk of the cost of your wedding with a RateSetter personal loan. See the table below to see how much you could save by not going with a 'big 4' personal loan or putting everything onto your credit card

Wedding expensesAverage cost
Food, alcohol & venue$18,683 
Wedding clothes & accessories$4,271 
Average Wedding Costs$36,200 
Save thousands on
your wedding
personal loan
Big 4
Personal Loans
credit card
Comparison rate10.90%17.16%19.75%
Monthly payments$1,144$1,251$1,296
Interest paid over 3 years$6,191$10,023$11,666
Savings with RateSetterUp to $5,175

*Comparison rate based on rates available for a 3 year, $10,000 unsecured personal loan for a borrower with a good credit history as at 22 August 2016. Your personalised rate may be different to the example. ‡Credit card rate stated is RBA F5 average ‘standard' credit card interest rate as at July 2016 and excludes any annual or monthly fees. †Average ‘big 4’ personal loan comparison rate is the average 3 year, $10,000 unsecured personal loan comparison rate based on rates published by ANZ, Westpac, NAB and CBA as at 22 August 2016. Comparison calculation assumes repayment of $35,000 balance over 3 years. Calculations assume 36 equal monthly payments and no prepayment amounts. Average wedding cost data. Average wedding cost data.

Say 'I do' to Australia's top rated personal loans

RateSetter personal loans are rated 4.8 / 5 by actual borrowers, on the independent review website ProductReview.com.au. RateSetter has the highest rated personal loan in Australia.

RateSetter wins Canstar and Mozo awards

"Helpful, polite and very kind that was every person I spoke to throughout the process. They made it easy to understand, offered assistance with each step and even rang me just to see was there anything they could do to assist further."

Catherine Adelaide

"The application process was easy, rates were good and terms flexible. The staff were professional, informed and efficient and funds cleared into our account within 24 hours! What more can you want! Thank you."

Jane D Sydney
Jane D

"One of the most straightforward & efficient loan applications ever. RateSetter did everything they said they would & on time. Very simple process, great interaction with staff, no stress just a professional approach & service."

Sara O Perth
Sara O
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Circle the wedding date and start preparing

Apply for a wedding loan

RateSetter personal loan repayment terms range from 6 months to 5 years. Interest rates range from 3.7% (comparison rate 10.01%) to 9.6% (comparison rate 11.45%), subject to change depending on the rates offered by lenders in our Lending Markets. 

* Representative example: For a 36 month, $10,000 loan for a borrower with a good credit history at a comparison rate of 10.2% p.a., the estimated total amount payable including fees is $11,650 (interest payable is $1,412). 

Rates stated as at 9:00 AM, 18 January 2017 and are subject to change. RateSetter credit criteria and terms and conditions apply. 

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