Wedding financing in one loan instead of several cards.
Venue, catering, and the parts of the day that do not come back around — funded with one fixed-rate loan instead of three credit cards and a line you will still be paying next year.
Fixed rates from
9.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- Venue, catering, and the reception
- Photography, film, florals, and music
- Attire, rings, and the rehearsal dinner
- A honeymoon booked alongside the wedding
Why a Lightstream loan.
Consolidate the whole day
A wedding is a dozen deposits to a dozen vendors. One loan funded to your account pays all of them, instead of scattering the cost across high-rate cards.
A rate far below a card
Carrying wedding costs on credit cards is expensive. A fixed-rate loan is typically a fraction of card interest, and the payment never changes.
Approved on your own income
No need to ask either family to co-sign or cover a deposit. Approval is based on your credit and income, and you know the payment before you book.
No penalty to pay it off
Gift money or a strong year can retire the balance early with no prepayment penalty — a clean way to close the books on the celebration.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 9.49%–20.49% | $320.28/mo |
| 4 years | 10.29%–21.29% | $255.02/mo |
| 5 years | 11.19%–22.19% | $218.37/mo |
| 6 years | 11.19%–22.19% | $191.32/mo |
| 7 years | 12.29%–23.29% | $178.08/mo |
| 10 years | 12.29%–23.29% | $145.15/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Almost always. Credit cards carry high variable rates and compound monthly, so a balance carried past the wedding grows quickly. A fixed-rate loan sets one rate and one payment for the full term — the calculator shows the total interest so you can compare it directly against carrying cards.
Yes. Because funds are deposited to your account, a single loan can pay the venue, caterer, photographer, and every other vendor deposit on their own schedules — no need to open store or vendor financing for each.
You can. Many couples size one loan to cover the wedding, the rings, and the honeymoon so the entire celebration is one predictable payment. Include those amounts in your request if you want them covered.
Applying a few months out, once you have vendor estimates, lets you borrow an accurate amount and start paying deposits as they come due. Funds land in your account quickly for qualified applicants, so you are not waiting on financing to secure a date.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.