Wedding Loan Singapore
Keep your marriage plans on track.
Get up to 6× your salary
for deposits and vendor payments with
30-minute approval
and same-day cash.*
*Subject to eligibility, assessment and approval at QuickLoan.
Less Paperwork
Autofill your details with Singpass
Apply Online
Start around your work & wedding plans
Saturday Visits
Open Saturdays, 12–5 pm.
Your wedding budget
What Marriage Expenses Can a Personal Loan Cover?
A wedding loan, also called a marriage loan, is a personal loan used for wedding expenses. It can help cover a shortfall for deposits, vendor payments and other costs within your agreed budget.
Venue & Banquet
Booking deposits, catering and final venue or banquet payments.
Bridal Attire
Wedding gowns, suits, outfit rentals, makeup and hairstyling.
Photography & Video
Pre-wedding shoots and photography or videography on the day.
Rings & Jewellery
Wedding bands and jewellery chosen within your planned budget.
Ceremony & Gifts
Solemnisation arrangements, customary gifts and ceremonies you choose to include.
Entertainment
Emcees, live musicians and sound equipment for your celebration.
Honeymoon
Travel and accommodation included in your agreed honeymoon budget.
Finishing Touches
Flowers, invitations, wedding transport, guest favours and other planned extras.
Have a venue deposit or vendor balance to cover? Apply to QuickLoan for the amount you need. We’ll assess your application and explain any approved loan’s fees and repayments before you decide.
Plan your shortfall
Plan Wedding Payments Around Your Bills, Future Goals, and Savings
Venue deposits and vendor balances can fall due at different times. Map those payments alongside your savings, future home costs and existing commitments before deciding how much to borrow.
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Check Payment Dates
List each deposit and final balance, including when it must be paid. Confirm the schedule with your venue and vendors.
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Calculate the Gap
Subtract the savings and confirmed contributions available by each payment date. Keep your emergency savings separate.
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Check Repayment Room
Allow for everyday bills, existing loans and upcoming BTO, renovation or household expenses when reviewing repayments.
Wedding gifts are a bonus. Treat ang bao and other gifts as extra support, rather than money you depend on for repayment.
Before you apply
Minimum Criteria for a Wedding Loan
Check QuickLoan’s minimum age and salary requirements before starting your application.
Minimum Age
18 years old and above.
Minimum Monthly Salary
S$1,800 for Singapore Citizens, PRs and foreigners.
Meeting the minimum criteria does not guarantee approval.
Support for your next step
Why Choose QuickLoan for Your Wedding Loan?
Discuss your shortfall, understand the terms and decide whether the repayments fit your plans together.
Personal Guidance
Talk through your wedding payment shortfall and ask questions about the application and repayments before deciding.
Clear Loan Terms
Review the interest, fees and repayment schedule before signing, so you know what to budget for after the wedding.
Same-Day Cash
Keep upcoming wedding payments on track with prompt assessment and same-day cash, subject to eligibility and approval.
Borrowing limits
How Much Can You Borrow for Your Wedding?
Your borrowing limit depends on your annual income and residency status. Your approved amount also depends on your existing commitments and ability to repay.
| Monthly income | Singapore Citizens & PRs | Foreigners residing in Singapore |
|---|---|---|
| Below S$834 | Up to S$3,000 | Up to S$500 |
| S$834 to S$1,667 | Up to S$3,000 | Up to S$3,000 |
| S$1,667 and above | 6× monthly income | 6× monthly income |
Apply for what you need, even if your borrowing limit is higher. Existing unsecured loans with licensed moneylenders count towards this limit.
Applications are assessed individually. Meeting the basic requirements does not guarantee approval or the maximum amount.
Wedding Loan Interest, Fees & Repayments
Check the cash you’ll receive and the total you’ll repay. Explore repayments for your wedding shortfall alongside your household and future home expenses.
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4%per month, maximum
Interest is calculated on the outstanding principal, which reduces as you repay the principal.
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10%of principal, maximum
Administrative fee, charged once when the loan is granted. An upfront deduction reduces the cash you receive.
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4%per month, maximum
Late interest applies to the amount overdue, not amounts that are not yet due.
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S$60per month, maximum
Late fee may apply for each month a repayment is late.
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100%of principal, maximum
Total interest, late interest, administrative fees and late fees cannot exceed the original loan principal.
Match the cash received to your shortfall. Confirm the net disbursement after any administrative fee before committing to a venue or vendor payment.
These are regulatory maximums, not standard charges. Your applicable terms will be stated in your contract.
Estimate Your Wedding Loan Repayments
Adjust the amount, tenure and monthly interest rate to explore estimated repayments for your shortfall.
Estimated monthly repayment
S$0 / month
- Loan amount S$0
- Total interest S$0
- Total repayments* S$0
*Excludes the one-time administrative fee of up to 10%. Estimates assume equal monthly instalments and on-time repayments. Slider ranges are planning inputs, not an offer or eligibility limit. Approved amounts, rates and tenures depend on your assessment and applicable borrowing limits.
How to Apply
Start online, then review your options in person.
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Start Your Application
Apply online or retrieve your details with Myinfo using Singpass. Request the amount needed for your wedding shortfall.
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Visit for Assessment
Bring your supporting documents to our International Plaza office for identity verification and an assessment of your income and commitments.
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Review Before Signing
If approved, review the interest, fees, cash received and repayment schedule. Proceed when you understand and agree to the terms.
Submitting an application does not guarantee approval. The approved amount and terms depend on your individual assessment.
Documents Required for a Wedding Loan
One less thing on your wedding checklist. Select your residency below and prepare the documents for your application assessment.
Less paperwork with Myinfo Retrieve your details securely through Singpass to reduce manual entry when applying.
- NRIC For identity verification
- Singpass access To retrieve your Myinfo details
- Recent payslips Last three months, if available
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Renting your home? Prepare both
- Tenancy agreement
- Proof of address A recent phone or utility bill
- Passport For identity verification
- S Pass or Employment Pass At least six months of validity remaining
- Recent payslips Last three months, if available
- Employment documents Your employment contract and staff card
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To confirm your address, prepare both
- Tenancy agreement
- Phone or utility bill A recent bill showing your address
Additional documents may be requested during assessment. Never share your Singpass password or banking credentials.
Compare your options
Bank Loan vs Private Wedding Loan Lenders
A personal loan from a bank or licensed moneylender can be used for wedding expenses. Here, private wedding loan lenders refers to licensed moneylenders in Singapore. Compare the eligibility, payment timeline and total cost before deciding.
| What to Compare | Bank Personal Loan | Licensed Moneylender |
|---|---|---|
| Approval speed | Some banks offer instant approval for eligible applicants. Others require additional checks. | Prompt assessment is available. In-person identity verification at the approved office is required before a loan is granted. |
| Income requirement | Minimum income requirements depend on the bank, product and residency status. | Income and repayment ability are assessed. Regulatory borrowing limits vary by annual income and residency status. |
| Loan limit | Depends on the product, available credit limit and the bank’s assessment. | Up to 6× monthly income for annual income of S$20,000 or more, across all licensed moneylenders combined. Lower-income caps apply. |
| Foreigner eligibility | Some products accept foreigners, with specific income, account and residency requirements. | Foreigners residing in Singapore may apply, subject to the lender’s criteria, valid documents and assessment. |
| Credit history | Your credit and income profile can affect approval, the amount offered and pricing. | Existing borrowing and repayment ability are assessed. Approval is not guaranteed by applying to a moneylender. |
| Repayment tenure | Available tenures depend on the product and applicant’s eligibility. | The repayment schedule is agreed in the contract. Confirm the instalment amount and payment frequency. |
| Cost | Compare the effective interest rate, processing fees and total repayment in your personalised offer. | Interest is capped at 4% per month and the one-time administrative fee at 10% of principal. Check the actual terms offered. |
FAQs About Wedding Loans
Can I get a marriage loan in Singapore?
Yes. A marriage loan, also called a wedding loan, is a personal loan used for wedding expenses. You can apply to a bank or licensed moneylender, subject to its eligibility requirements and assessment.
To get started with QuickLoan, apply online or visit our International Plaza office.
Can I get a wedding loan with bad credit?
You can submit an application for assessment, but approval is not guaranteed. QuickLoan considers your income, existing financial commitments, borrowing history and ability to repay. A poor credit history may affect the outcome and amount offered.
Prepare your identification and income documents, and provide accurate details of your existing loans. Your application will be assessed individually.
Does a wedding loan without a guarantor mean automatic approval?
No. QuickLoan’s wedding loan does not require a guarantor, but you must still meet its eligibility requirements and complete the document, identity and repayment ability checks.
Applying without a guarantor does not guarantee approval or the maximum borrowing amount. Any offer depends on your individual assessment.
How much cash can I get through a wedding loan?
Your approved amount depends on your income, existing borrowing and ability to repay. For annual income of S$20,000 or more, the maximum total unsecured borrowing across all licensed moneylenders is six times your monthly income. Lower-income limits apply.
Any administrative fee deducted upfront reduces the cash you receive. Confirm the net disbursement and request only what you need for your shortfall.
How much money should I have in savings before getting married?
There is no single savings amount that suits every couple. Base your wedding budget on your priorities, payment dates and available funds, while allowing for emergency savings and upcoming home expenses.
Agree on the budget together and avoid relying on ang bao or other wedding gifts to cover vendor payments or loan repayments.
What criteria must I meet to be eligible for a wedding loan?
QuickLoan’s existing wedding loan requirements specify a minimum age of 18 and monthly income of S$1,800. Singapore Citizens, PRs and foreign applicants can submit an application for assessment.
Prepare identification, income records and any required address documents. Foreign applicants should also prepare their passport, valid Employment Pass or S Pass, employment contract and staff card.
Confirm the current requirements with our team. Meeting them does not guarantee approval.
Personal loan vs wedding loan—what’s the difference when it comes to covering my wedding expenses?
A wedding loan is a personal loan used for wedding-related costs, such as venue deposits, catering, attire and photography.
Compare the interest, fees, cash received and repayment schedule rather than choosing by the loan’s name. You can also explore our personal loan options.
Can both the bride and groom apply for a joint wedding loan?
Joint applications depend on the lender and product. Please confirm with QuickLoan whether a joint wedding loan application is available.
Do not assume that both incomes can be combined to increase the borrowing limit. Before applying, clarify who will be named on the contract and responsible for repayment.
How long does it take to get approved for a wedding loan?
QuickLoan typically assesses applications within 30 minutes, with same-day cash available following approval and completion of the required process.
Timing depends on your documents and assessment. An office visit is required for in-person identity verification before a loan is granted.
Can I pay off my wedding loan early without penalties?
QuickLoan offers early full settlement without an early repayment penalty. Contact our team to request the settlement amount before making payment.
The settlement amount may include outstanding principal and applicable charges up to the settlement date. Check your contract for the terms.
What happens if I miss my repayment for my wedding loan?
Contact QuickLoan as soon as possible if you expect to miss a payment. Late interest and late fees may apply under your contract, and missed payments may affect future borrowing assessments.
Speak with our team about your circumstances rather than waiting for further payments to become overdue.
Do I need to provide collateral or a guarantor for a wedding loan in Singapore?
QuickLoan’s wedding loan does not require collateral or a guarantor. Your application is still subject to income, document and repayment ability checks.
Visit QuickLoan at International Plaza
Bring your documents and discuss your wedding loan application with our team in person.
Our Tanjong Pagar Office
QuickLoan Pte Ltd10 Anson Road, #01-15
International Plaza
Singapore 079903
- By MRT
- Take Exit C at Tanjong Pagar MRT and walk to International Plaza.
- Opening hours
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Monday–Friday: 11 am–8 pm
Saturday: 12 pm–5 pm
Closed Sundays and public holidays