Getting married is one of life’s most joyful moments, but the costs can add up fast. Have the wedding of your dreams with a wedding loan in Singapore—we make “happily ever after” come true for you and your beloved with our fuss-free marriage loans.
A wedding loan in Singapore, also called a marriage loan, is a type of personal loan that can be used to help you pay for the cost of getting married. Loans for weddings are unsecured, so you do not need to pledge collateral in order to obtain one.
With a marriage loan in Singapore from Cash Direct, you have the freedom to decide the type of wedding you want: small and intimate, large and grand, or something in between. And no matter what kind of wedding and size of budget you have in mind, we can tailor a loan for your wedding that fits your financial circumstances.
A wedding is more than a banquet. Your bridal package, wedding photography, venue, and honeymoon can quickly add up to more than you have saved.
That’s why you might need a wedding loan in Singapore from a licensed money lender like Cash Direct to help make up the shortfall in your savings, or stretch your budget to pay for everything you’ve planned. Some couples also take out a personal loan for wedding expenses so they can pay vendors on time and spread the cost over manageable monthly repayments.
Applying for a marriage loan in Singapore has never been easier with our online application portal. Apply securely online in minutes via Singpass Myinfo or our simple form.
Our wedding loans in Singapore come with repayment plans tailored to you, from bespoke loan packages to flexible loan tenures.
Once approved, you will receive your wedding loan in a single lump-sum payout, so you can pay your wedding vendors on your own schedule.
Our wedding loans in Singapore come with competitive interest rates at 2% to 4% monthly, within the legal cap for licensed money lenders.Â
We process wedding loans quickly, so you get the funds you need for deposits and vendor payments without a long wait.
To apply for a wedding loan, you will need to be:
Loans for weddings can be used to pay for all sorts of wedding-related expenses, such as the down payment for your wedding banquet, solemnisation ceremony fees, wedding photography and videography services, floral arrangements, and even your honeymoon.
The total cost of your wedding depends on the choices you make, but most couples can expect to spend around S$20,000 to S$50,000 or more. Here’s a breakdown of the typical expenses in a wedding.
| Expense | Typical Cost | What It Covers |
| Wedding banquet | S$15,000 to S$30,000 | Depends on the venue, menu and number of guests. Hotels cost the most, while restaurants are generally more affordable. |
| Engagement or wedding rings | S$3,000 to S$8,000 | Priced by diamond size, cut, colour and clarity. Lab-grown diamonds usually cost less than natural ones. |
| Solemnisation ceremony | S$1,000 to S$5,000 | Covers the venue, reception and a token sum for the authorised solemniser who officiates your ROM. |
| Bride and groom package | S$2,000 to S$5,000 | Rental of the bridal gown, dresses and tuxedo. Some packages include wedding favours or corsages. |
| Photography and videography | S$3,000 to S$5,000 | Covers the photo shoot and filming of your wedding day from start to end. Includes editing and production. |
| Wedding dowry | S$800 to S$3,000 | A token sum with traditional auspicious gifts, usually agreed between both families beforehand. |
| Bridal hair and makeup | S$500 to S$2,000 | A bridal stylist for the day. The cost goes up if bridesmaids and mothers are included. |
| Bouquet and floral decorations | S$300 to S$2,500 | Covers the bridal bouquet, car decorations and floral decor at the venue. |
| Rental car | S$500 onwards | Costs more for luxury models or if you rent more than one car. |
| Honeymoon | S$5,000 to S$10,000 or more | Depends on the destination, accommodation and length of your trip. |
Singaporeans
Foreigners
Please note that you will be required to submit supporting documents to verify the above.
How much you can borrow for your marriage loan in Singapore depends on your annual income and residency status. Under the Moneylenders Act, the maximum unsecured loan you can take is as follows:
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| Annual Income | Singapore Citizens and PRs | Foreigners Living in Singapore |
| Below S$10,000 | S$3,000 | S$500 |
| S$10,000 to below S$20,000 | S$3,000 | S$3,000 |
| S$20,000 and above | 6 times your monthly income | 6 times your monthly income |
Note that this limit applies to your total borrowing across all licensed money lenders, regardless of whether you’re taking a marriage loan or other types of loans.
No, there is no minimum income requirement when applying for a wedding loan. However, your annual income determines how much you can borrow (see the table above).
Our marriage loans are competitively priced at between 2% and 4% per month.
Your wedding loan can be approved in 30 minutes or less. You will need to pay a visit to our Cash Direct office to sign the loan contract, after which your wedding loan will be disbursed to a bank account of your choice or in cash. All in all, it is possible to receive your loan within the same day of application.
Your wedding loan will be approved within 30 minutes or less. You will need to pay a visit to our Cash Direct office to sign the loan contract, after which your wedding loan will be disbursed to a bank account of your choice or in cash.
All in all, it is possible to receive your loan within the same day of application.
Yes, you can! You may still secure a marriage loan with us even without a good credit score, as we do not carry out stringent credit checks as banks do. Instead, we’ll check on your borrowing limits via your Loan Information Report.Â
Note, though, that as loans for weddings may involve high sums, applicants should ideally be in full-time employment to ensure their ability to manage loan repayments.
Essentially, yes! A marriage loan is a personal loan that you use to fund your big day. Both are unsecured loans that follow the same MinLaw fee caps and borrowing limits—“wedding loan” simply refers to what you’re using the money for. At Cash Direct, we’ll tailor your loan amount and repayment plan to suit your wedding budget.
Apply for your wedding loan online
Receive approval in as little as 30 minutes
Visit our office to sign your loan contract and receive your loan
