Comparing 10 offers. Updated July 21, 2026.
SoFi is a leading online lender offering personal loans up to $100,000 with no fees, fast funding, and member perks like unemployment protection.
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Marcus by Goldman Sachs offers no-fee personal loans with fixed rates, on-time payment rewards, and the backing of one of Wall Street's most trusted names.
Discover offers fixed-rate personal loans with no origination fees, 30-day money-back guarantee, and direct payment to creditors for debt consolidation.
Upgrade offers personal loans from $1,000 to $50,000 with flexible terms up to 7 years and accepts joint applicants and co-signers.
Best Egg specializes in fast, fixed-rate personal loans up to $50,000 with the option to use a vehicle as collateral for lower rates.
Prosper is America's first peer-to-peer lender, offering personal loans up to $50,000 funded by individual and institutional investors.
Happy Money (formerly Payoff) focuses exclusively on credit card debt consolidation with fixed-rate personal loans up to $40,000.
Rocket Loans, part of the Rocket Companies family, offers fast online personal loans up to $45,000 with same-day funding for qualified borrowers.
Wells Fargo offers unsecured personal loans up to $100,000 with no origination fees and rate discounts for existing customers with qualifying accounts.
A wedding loan is an unsecured personal loan used to cover wedding costs. The average US wedding now runs around $30,000, and most couples cover part of it with savings, family, and a loan to fill the gap.
A small loan to bridge timing makes sense. Borrowing the full cost can leave a young couple paying off the wedding for 5 to 7 years. Run the monthly payment through a calculator first. At 11 percent APR, a $20,000 loan over 5 years costs $435 per month and totals $26,100.
Look at SoFi and LightStream for the lowest APR with good to excellent credit, Marcus by Goldman Sachs for no fees, Upgrade for joint applicants, and Best Egg for fast funding. Loans typically range from $5,000 to $50,000 with terms of 2 to 7 years.
Pre-qualify with two or three lenders to compare actual offers, not just advertised rates. A pre-qualification uses a soft credit check and does not affect your credit score. Borrow only what you need and choose the shortest term you can comfortably afford.
Borrow only the gap between savings, family contributions, and total cost. A common guideline is to keep wedding debt under one year of combined household income and pay it off within 3 years. At 11 percent APR a $20,000 loan over 5 years costs around $435 per month.
Joint applications (Upgrade, LendingClub, Wells Fargo) can secure a lower APR if one partner has stronger credit. Both partners become legally responsible for the loan, so trust and communication about the debt are essential.
Yes, personal loans for weddings have no use restrictions and can cover the ceremony, reception, dress, rings, honeymoon, and any other costs. Some lenders such as LightStream offer dedicated "wedding loan" landing pages with personalized rates.
Consider a 0 percent APR credit card promotional offer (typically 12 to 18 months) if you can pay off the balance before the promo ends. Otherwise a personal loan at 8 to 12 percent APR is usually cheaper than carrying a credit card balance at 20+ percent.