Want a competitive wedding loan or special occasion loan?
Make celebrating your big day a little easier with our personalised wedding loans and celebration finance.
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Flexible
$300-$10,000 for any big occasion.
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Fast
Apply online in 6 minutes.
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Affordable
Personalised to minimise costs.
Wedding loans and special occasion loans that make life easy.
At Fair Go, we’re here for life – to make securing the finance you need to get on with life easier. And that includes providing personalised, competitive wedding loans and special occasion loans so you can spread and minimise the cost of those big life milestones and celebrations.
From wedding rings to honeymoons and everything in between. From baby showers to 90th birthday bashes. As one of Australia’s largest non-bank personal loan lenders, we’re here for you every step of the way, using our finance and tech smarts to make applying for wedding finance and celebration loans as quick, easy and secure as can be.
What’s more, we’re a responsible lender. That means we’ll always be upfront with you about the cost of your wedding or special occasion loan. It means we’re looking out for your best interests, so you can rely on us to personalise our rates and terms to minimise your borrowing costs.
Loan Calculator
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE Amount Loans | |
|---|---|---|---|
| Loan Amounts | $300 – $2,000 | $2,050 – $5,000 | $5,050 – $10,000 |
| Average Term | 1 – 12 months | 6 – 24 months | 9 – 36 months |
| Typical Establishment Fee | $0 – $400 | $394 – $771 | $536 – $662 |
| Monthly Fee | $0 – $80 | $9 | $10 |
| Interest Rate Per Annum (APR) * | N/A | 17.20% – 29.90% | 15.92% – 19.90% |
| Comparison Rate ** | 40.08% – 73.06% | 39.61% – 64.52% | 21.65% – 26.55% |
*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
| EXAMPLES | $1550 | $3,900 | $6,750 |
|---|---|---|---|
| Average Term | 8 months | 13 months | 17 months |
| Repayment Per Week | $68 | $81 | $102 |
| Establishment Fee | $292 | $569 | $579 |
| Monthly Fee | $56 | $9 | $9 |
| Interest Rate Per Annum (APR) | N/A | 25.31% | 19.19% |
| Comparison Rate | 73.06% 1 | 54.71% 2 | 25.09% 3 |
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 36 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
Once approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds within 1 min, so you can start using it sooner!
Personalised Support
If you need a little help with anything, simply talk to our support team.
Why choose Fair Go Finance?
We’ve been giving our customers a Fair Go since 2008.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 15 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Rewarded on return!
Save up to $115 on small loan
Save up to $357 on medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Get more & pay less!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
How can we help you?
Below you’ll find answers to the most frequently asked Wedding loan questions
Our wedding loans (also known as special occasion loans) are simply personal loans that you can use to cover or spread the cost of your big day. You can apply for a wedding loan of $500-$10,000 and use the money however you like, from buying wedding rings to booking your honeymoon.
Organising your wedding finance upfront helps relieve some of the pressure and anxiety that can build up when you’re getting married and organising a wedding. So, we’ve used all our finance and tech smarts to make it as quick and easy as possible to apply for a wedding loan.
Got a bad credit rating and need wedding finance? Find out more about our bad credit loans or talk to our team on 1300 324 746 or via live chat. If we can help you get the wedding loan you need and help repair your bad credit history in the process, we will.
Anything. You can apply for a wedding or special occasion loan of $500-$10,000 online in minutes. Then, assuming you’re formally approved for your wedding finance, we’ll transfer your money to your account. The whole process takes 24-48 hours and the cash is yours to spend as you wish.
You can use your wedding loan to finance any or all your wedding expenses, including your:
- Wedding reception and venue
- Wedding rings and outfits
- Wedding entertainment
- Wedding photographer
- Wedding cars and transport
- Flowers and decorations
- Honeymoon
In short, you can use your wedding loan to cover any of your wedding expenses. And it couldn’t be easier to apply – you can apply for your wedding finance and get a conditional decision in minutes.
Not at all. In fact, it’s better to think of our wedding loans as special occasion loans. It’s simply a loan to help you cover or spread the cost of any of those big occasions you want to celebrate with your nearest and dearest, such as:
- A big wedding anniversary
- A milestone birthday
- A baby shower
- A family reunion
- A housewarming party
So, whether you need a wedding loan to pay for your wedding rings or honeymoon or anything in between, or you need extra cash to mark another special occasion, we’re here to help you move forward and celebrate all those big life milestones.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
Yes, although it depends on your credit rating. We believe everyone deserves a fair go, and if you have a bad credit history we’ll do whatever we can to help you get the loan you need and get your credit score back in the black.
If you’re worried that you have a bad credit rating, we suggest requesting a free copy of your credit report from Equifax – check out our video on how to find out your credit score for more information.
Once you know your credit score and the reasons behind your bad credit rating, we can advise you on whether or not you should apply for wedding finance or a special occasion loan. If you’re in doubt, call us on 1300 324 746 or contact us via live chat and ask us about our bad credit loans.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
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Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 6 months
- I am willing to provide my Bank Statements online
- My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.