Home > Wedding Loan
Licensed wedding and marriage loans in Singapore, with transparent terms and structured repayment options to support your wedding plans.
Maximum loan amount:
Up to 6 times of you and your spouse’s monthly income*
Repayment period:
Up to 2 years*
Interest rate:
As low as 12% p.a.*
*Actual rate offered to you may differ. Subject to eligibility assessment.*
A wedding loan is a financing option that helps couples manage major wedding-related expenses before their celebration takes place, especially when they need a personal loan for wedding planning and upfront costs. It can be used for payments such as venue deposit, banquet deposit, bridal attire, and photography services.
Instead of paying everything at once, couples can repay the loan through structured monthly instalments based on their approved amount and repayment period. A marriage loan may also be considered by couples who wish to finance honeymoon expenses after the wedding.
118 Credit’s wedding loans can be used to cover any legitimate wedding-related expense, including:
A venue deposit loan can help couples secure their preferred hotel ballroom, restaurant, void deck, or private event space before the booking deadline. For larger receptions, a wedding banquet loan may also support banquet deposits, table reservations, and venue-related payments.
A bridal package loan can be used for wedding gowns, suits, alterations, make-up, hairstyling, and other attire-related packages. This helps couples manage essential outfit arrangements while keeping their repayment plan structured.
A wedding photography loan can support full-day photography packages, pre-wedding shoots, video montage production, and videography services. These costs can be planned alongside other wedding expenses under a single repayment schedule.
A wedding ring loan can help cover the cost of engagement rings, wedding bands, and jewellery sets for the bride. Couples can use the approved loan amount to manage these meaningful purchases without disrupting other wedding payments.
A honeymoon loan in Singapore can cover overseas honeymoon packages, flight bookings, hotel stays, and travel insurance. This allows couples to plan their post-wedding trip while keeping repayment commitments clear.
Wedding décor, table centrepieces, floral arrangements, wedding favours, emcee services, and live band arrangements can also be included. These additional items may seem small individually, but they can add up quickly when planning a full wedding celebration.
Individuals who are legally residing and earning an income in Singapore may apply for a wedding loan, subject to standard lending requirements set by licensed moneylenders.
Applicants should prepare valid identification documents for verification. This may include NRIC for Singapore Citizens and Permanent Residents, or a valid Work Permit, S Pass, Employment Pass, or passport for foreigners. Additional proof of residential address may be required, depending on the applicant’s profile.
Applicants should provide proof of income so that 118 Credit can assess affordability responsibly. Supporting documents may include CPF statements, payslips, bank statements, IRAS records, or other income documents based on your employment profile. Singpass access may also help speed up the application process, where applicable.
Get An Instant In-Principle Approval And Collect Your Money On The Spot!
Applying for a wedding loan is simple, fast, and structured to ensure borrowers fully understand their loan terms before acceptance.
Complete the application using Singpass MyInfo for faster processing. Borrow responsibly by applying only for the amount you genuinely need.
Based on your employment and income profile, you may need to provide:
- Identification documents
- Proof of income (e.g., payslips)
- Billing or address proof, if required
Our team will guide you clearly to ensure your submission is complete and avoid delays.
Once assessed, you will receive a full breakdown of:
- Approved loan amount
- Interest structure
- Repayment schedule
- Total repayment amount
This ensures transparency before you make any commitment.
Visit our office near Rochor MRT for final verification. Loan officers will explain all terms before you sign. Upon acceptance, funds are disbursed via:
- Cash collection
- Bank transfer
118 Credit is a licensed money lender in Singapore and operates under the regulations set by the Registry of Moneylenders. This gives couples assurance that loan terms, interest, and permitted charges are explained clearly before acceptance.
Couples can start their application online using Singpass MyInfo for faster and more convenient processing. This helps reduce manual form-filling and allows the team to review your application more efficiently.
118 Credit provides transparent loan terms with no hidden borrowing fees. All approved amounts, repayment schedules, interest, and applicable charges will be explained before you decide whether to proceed.
Wedding payments often come with tight booking deadlines, especially for venues, bridal packages, and banquet reservations. 118 Credit supports fast application assessment, enabling couples to make timely decisions before important deposit dates.
Every couple has different income levels, wedding plans, and financial commitments. 118 Credit helps structure repayment options around your approved loan amount and budget, so your wedding loan lenders comparison is based on clarity, suitability, and repayment comfort.
Here are some of our Frequently Asked Questions that we get from most of our clients. Do take some time browsing through and we hope you may find the answers you are looking for!
In Singapore, a wedding typically costs between S$30,000 and S$50,000. Major expenses often include:
These figures vary by preference and scale, but they highlight why many couples turn to a wedding loan in Singapore to manage marriage expenses.
To qualify for a wedding loan in Singapore, applicants should generally be at least 18 years old, legally residing in Singapore, and earning a stable income. You will need to provide valid identification and income documents so that your application can be assessed responsibly.
Before applying, you may also use the instalment calculator to estimate your monthly repayment based on your preferred loan amount, interest rate, and repayment period.
The maximum loan amount depends on your income. If your annual income is S$20,000 or more, you may borrow up to 6 times your monthly salary. If your annual income is below S$20,000, the cap is S$3,000. For couples, some lenders may consider a combined household income check with 118 Credit directly for your eligibility.
Licensed moneylenders in Singapore are regulated by the Ministry of Law, which caps interest rates at a maximum of 4% per month. At 118 Credit, wedding loan interest starts from 12% per annum (equivalent to 1% per month). The exact rate offered depends on your loan amount, tenure, and affordability assessment.
A marriage loan in Singapore can be used for legitimate wedding-related costs such as banquet deposits, venue hire, bridal packages, wedding rings, photography, videography, décor, florals, and honeymoon travel. The exact amount you should borrow depends on your wedding budget, income, and repayment ability.
If you are planning other major post-wedding expenses, such as your future home setup, you may also explore an HDB home renovation loan for renovation-related costs.
Approval can be fast for eligible applicants, especially when the required documents are complete and submitted accurately. After online application and assessment, you may be invited to visit 118 Credit’s office for final verification and loan explanation before acceptance.
As a licensed moneylender in Bugis, 118 Credit is located near Rochor MRT, making it convenient for applicants who need in-person verification before collecting their approved funds.
