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Why do over 6.9 million members love SoFi?
The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.
Received a mailer from us?
Savvy wedding financing starts here.
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No fees required
With SoFi, there are no origination fees required, no prepayment fees and no late fees.
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Fixed payment schedule
Pay back wedding expenses with manageable monthly payments by choosing a fixed rate from 8.99% APR to 29.49% APR (with all discounts)57.
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Save money on interest
With low interest rates, a personal wedding loan from SoFi could save you thousands of dollars compared to high-rate credit cards.
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Fast funding
Get your funds as quickly as the same day your loan is approved.*
Fall in love with a SoFi Wedding Loan.
SoFi Personal Loans include wedding and honeymoon financing because we believe in helping you achieve major milestones while getting your money right.
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No origination fees required.
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No pre-payment fees.
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No late fees.
You could save thousands
with a low fixed-rate SoFi Wedding Loan.
There’s a better way to pay for your wedding than using high-interest credit cards. A SoFi Wedding Loan allows you to borrow from $5K to $100K with fixed interest rates starting at8.99% APR (with all discounts)57. Before picking up the plastic, see how much you could save with our personal wedding loans.
Example chart shows calculations based on a 5 year SoFi Personal Loan with a fixed rate of 14.84% APR, which is the rounded average median funded APR for SoFi Personal Loan borrowers who took out a loan with a 5 year term" from April 1 2022- April 1 2023. Lowest rates are reserved for the most qualified borrowers. The ‘High-Interest Rate Credit-Card’ APR shown is the average credit card APR reported by Wallethub for Q1 2023 under their Good Credit category. The savings estimate also assumes that the borrower doesn’t take out any additional credit card debt during the same period. Both calculations assume 60 total monthly payments and no pre-payment amounts.
Applying for a wedding loan is as easy as 1-2-3.
We’ve made it quick and simple to apply for a personal wedding loan—we’re talking a matter of 60 seconds. Just follow the steps below to get started.
View your wedding loan rate.
It only takes a minute to explore your options, and it won’t affect your credit score.†
Select your wedding loan terms.
Find the term and monthly payment that work best for you—and see just how much you could save with SoFi.
Finish your wedding loan application.
Complete your loan documents and enjoy same-day funding* wired directly to your account.
Checking your rate will not affect your credit score.✝︎
How can you use a
wedding loan?
Engagement rings and wedding bands
Personal wedding loans are a great way to finance engagement rings and wedding bands. With fixed interest rates and monthly payments, you’ll know exactly how much you owe and when your loan will be paid in full.
Wedding reception
The average cost of a wedding ceremony and reception in 2019 was $28,000. Start off your marriage on the right foot by avoiding the accumulation of high-interest credit card debt. Our personal wedding loans range from $5K-$100K, offering fixed interest rates, steady payments, and no fees required.
Honeymoon
Wedding loans are a type of personal loan we offer to help couples finance their dream honeymoons. The average honeymoon costs $5,000, but there’s no need to pull out the plastic. You could avoid accumulating high-interest credit card debt and save thousands with a fixed rate personal wedding loan from SoFi.
Food and venues
The average wedding catering bill comes to $4,000 and the venue an additional $6,000. Finance your wedding expenses with a low-rate personal loan from $5K-$100K. Fixed rates range from 8.99% APR to 29.49% APR (with all discounts)57.
Photographer
How can you create lasting memories of your big day if no one’s there to capture it? Wedding photographer fees can cost $2,400, and you can expect to pay an additional $1,800 for a videographer. Apply for a SoFi Wedding Loan and enjoy same-day funding* wired directly to your account after your loan docs are signed, sealed, and delivered.
Wedding planning tips and financial resources
FAQs
Explore personalized wedding loan offers
in seconds.
Your time matters. View wedding loan rates in sixty seconds.
(without impacting your credit score)†
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 03/03/23. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
Fixed rates from 8.99% APR to 29.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive. 5 Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. 7 Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan. ** Terms and conditions apply. Offer good for new personal loan customers with credit cards in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. Offer good for new customers only. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your credit card lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card fees.‡ Same-Day Personal Loan Funding: 82% of typical SoFi Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2022 to December 31, 2022 that were signed before 7pm ET on a business day were funded the same day.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org)
✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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