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http://tripnewyork.nl/public_html/c1fab0a If you’re getting married soon, then you are probably feeling all these things. The traditional wedding route includes thinking about your family meeting your partner’s family, seating charts, venues, and if you need to have a vegetarian option as an entree (and you probably do).
Shimada All these things cost money and weddings seem to use their own currency when it comes to prices for services. The actual prices are in dollars but 3 bouquets of flowers that would be under $200 on a random Wednesday are now $2500 because they are for your June wedding instead.
Mandapeta How are you going to pay for all this?
Wedding Loan Lenders
There are lenders both bank and non-bank lenders that offer wedding loans as part of their personal loan offerings. Chase Bank and Wells Fargo are 2 banks that offer wedding loans to their existing bank customers.
But they are banks and you get everything that comes with borrowing from a bank.
- They are slow.
- It’s a hassle.
- They may force you to collateralize your loan with your home or other assets.
- Your credit must be excellent
There is a faster, easier option that works with a wider range of credit than a bank: Online Marketplace Lenders/Peer to Peer Lenders.
Peer lending platforms are my specialty on this site so you could say I’m partial to them. What you may not know is a couple platforms really seek to make a loan for your wedding. Some of the links below are affiliate links which mean if you click on them and take a loan with them I get a small fee at no extra cost to you.
Here are 3 good choices to check out.....
Lending Club also does wedding loans by they classify these loans as either Major Purchase or Other.
Why Use an Online Lender for Your Wedding Loan?
May and June are the most popular months to have a wedding but you need the money throughout your planning process since your vendors have these pesky requirements called Deposits. You’ll need deposits to lock down your caterer and that dream venue for the reception. These advance deposits mean you need a fast decision. In fact, a fast No is probably better than a long drawn out Yes on a loan decision. Here are some other advantages the online lenders offer:
- Speed. Your initial approval is often within 15 minutes of when you apply
- Doesn’t affect your credit. These 3 lenders do what is known in the industry as a ‘soft pull’ which mean they pull your credit report but it does not count as a credit inquiry. This is a good thing as too many inquiries drop your score and that’s not what you need when you are looking for credit to help pay for your wedding
- Credit driven. Rarely will you need to provide additional financial information for final approval. You will if the lender thinks it will help them decide on an approval. Your credit will generally be good enough.
- No other collateral required. It’s a personal loan
If you have good credit then any of these 3 platforms will get the job done. Lending Club and Prosper go down to a 640 FICO score and Upstart goes down to 620 giving you even more leeway for those credit blips that may have happened along the way.
Who is going to help me pay for my wedding? If this is a question you have been asking yourself now you have 3 excellent resources with Prosper, Lending Club and Upstart. Give one of them a try. Your credit will not be affected and you’ll know right away if you are approved.