Banquets, photography, the ring — wedding costs add up fast. A wedding loan lets you spread the cost over a repayment plan that fits your budget instead of paying it all upfront.
What you get
- Loan amounts sized to your wedding budget
- Repayment plans that fit around the big day
- Fast processing so vendor deposits aren't delayed
What you’ll need
- Singapore Citizen, PR, or eligible pass holder
- 21 years old and above
- Proof of income
These are starting requirements. Our team will confirm the documents needed for your individual assessment.
Keep wedding costs and repayments in one plan
List the costs you still need to pay, such as venue deposits, photography and other arrangements, alongside their payment dates. This gives you a clearer amount to discuss with our team without treating your full wedding budget as the amount you need to borrow.
Consider the monthly repayment alongside your household commitments after the wedding. Our calculator lets you explore different amounts and repayment periods; your assessment will determine the actual terms available.
Before you decide
Our team will explain the rate, fees and repayment schedule before you sign. Verification and completion take place at our Sim Lim Square office. Sending an enquiry does not guarantee approval.
Read the borrowing FAQWedding Loan questions
What wedding expenses can I discuss with the team?
You can explain the wedding expenses you need help planning for, including deposits and outstanding vendor payments. Tell us the amount and timing when you enquire so the assessment reflects your circumstances.
Should I confirm a vendor payment before loan approval?
An enquiry or calculator estimate is not an approved loan offer. Do not treat it as confirmation that funds will be available for a vendor deadline.
How do I compare repayment options?
Use the loan calculator to estimate payments for different amounts and tenures. Before signing, ask our team to explain the actual rate, fees, repayment dates and total amount payable.
Speak with us at Sim Lim Square
Visit HMS Credit at #01-08, 1 Rochor Canal Road, Singapore 188504. We are open Monday–Saturday, 11am–7pm; Sundays by appointment, closed on public holidays.
Contact details and directionsLearn more about HMS Credit, or start your application with Myinfo or the manual form.