Best Wedding Loans in 2025

Joint loans (or loans with two borrowers) can help make it easier to get approved. Plus, adding a co-borrower on an Achieve loan will get you a discount on your interest rate. You can also save by showing proof that you have a healthy retirement account, such as a 401(k) or Roth IRA.

Some lenders only charge origination fees if you have bad credit. Achieve charges them on every loan. Origination fees aren’t out of pocket. Instead, the lender deducts the fee from your loan before sending it to you.

Other than a credit score of at least 620, Achieve may ask you to provide the following documents and information:

• Proof of income
• Social Security number
• Government-issued ID
• Employment status

It will also review other aspects of your credit profile, such as your payment history and debt-to-income (DTI) ratio. Your DTI ratio measures how much you owe compared to how much you earn.

Discover offers online personal loans with low rates and unique perks. If you get laid off or have health issues or another hardship, Discover has three assistance options to get you on track. You could delay your past due balance, temporarily reduce your monthly payments or permanently extend your loan term.

However, Discover can be hard to qualify for. It requires strong credit (720) and has a relatively high annual income requirement ($40,000).

Read our full Discover personal loan review.

You’ll need to meet these eligibility criteria to get a Discover loan:

• Age: Be at least 18
• Citizenship: Have a Social Security number
• Administrative: Have a physical address, email address and internet access
• Income: Minimum income of $40,000 (individually or as a household)
• Credit score: 720

Even if you pay late, LightStream won’t charge you a fee (although missed payments affect your credit score). And if you get a better offer from a competitor, LightStream may beat it by 0.10 percentage points through its Rate Beat program.

Unlike many lenders, LightStream doesn’t let you prequalify for a personal loan. In other words, you must go through the full application process and agree to a hard credit inquiry to see if you’re eligible.

Read our full LightStream personal loan review.

LightStream doesn’t specify its exact credit score requirements, but you must have good to excellent credit to qualify. Most of the applicants that LightStream approves have the following in common:

• At least five years of on-time payments under a variety of accounts (credit cards, auto loans, etc.)
• Stable income and the ability to handle paying their current debt obligations
• Savings, whether in a bank account, an investment account or a retirement account

You must also have a valid Visa or Mastercard credit card to accept your loan, but only for verification purposes. LightStream will not charge your card.

If you’re having a hard time getting a wedding loan, give Prosper a try. Prosper is a peer-to-peer lender. That means individual investors fund your loan instead of a bank. Generally, peer-to-peer loans have easier eligibility requirements than traditional personal loans.

There is a downside to peer-to-peer lending, and that’s time. You’ll have to wait for the investors to fund your loan (think GoFundMe). Although it usually only takes one to five days, you’ll have up to 14 days to get at least 70% of your loan funded. Otherwise, Prosper will cancel your loan and you’ll have to start again.

To get a loan with Prosper, you must meet the following requirements:

• Age: Be 18 or older
• Administrative: Have a U.S. bank account and Social Security number
• Residency: Not live in Iowa or West Virginia
• Credit score: 560+

SoFi offers big loans with big benefits to match. One of these is its free financial planning. Now that you’re combining incomes with your future spouse, this could be the perfect time to look at your budget and goals.

SoFi loans don’t have any required fees, but you can pay an origination fee in exchange for a lower rate. Compare offers that both do and don’t include an origination fee to see which direction makes the most sense for you.

You must meet the requirements below in order to get a loan from SoFi:

• Age: Be the age of majority in your state (typically 18)
• Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
• Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
• Credit score: 680+

Upstart is a loan marketplace that connects borrowers to lenders. It considers factors like your education and employment alongside your credit score. This helps it approve people who other lenders deny.

But if you qualify for a bad credit loan with Upstart, don’t expect it to be cheap. Not only does it charge some borrowers a high origination fee, but you also could pay an annual percentage rate (APR) as high as 35.99%. You also can’t add a co-borrower (a common strategy to get a lower rate).

Upstart has transparent eligibility requirements, including:

• Age: Be 18 or older
• Administrative: Have a U.S. address, personal banking account, email address and Social Security number
• Employment: Have a job or job offer that starts within six months, or have regular income
• Credit-related factors: DTI ratio no higher than 50% (45% in Connecticut, Maryland, New York and Vermont), no bankruptcies within the last year, fewer than six inquiries on your credit report in the last six months and no current delinquencies
• Credit score: 300+ (unless you’re an eligible college student or graduate, in which case Upstart could approve you with no credit)