The average American wedding costs over $30,000. An Upstart personal loan can help you cover the gap between your savings and your dream wedding — with a fixed rate, predictable payments, and no collateral required.
Average Wedding Costs (2026)
| Expense | Average Cost |
|---|
| Venue | $6,000 – $12,000 |
| Catering (per person) | $75 – $150 |
| Photography | $2,500 – $5,000 |
| Flowers & Décor | $2,000 – $5,000 |
| Music / DJ | $1,000 – $3,000 |
| Wedding Dress | $1,500 – $4,000 |
| National Average Total | ~$30,000 |
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Frequently Asked Questions
Can I use an Upstart loan for a wedding? +
Yes. Wedding expenses are an approved use for Upstart personal loans. You can borrow from $1,000 to $75,000 to cover any wedding-related costs.
How much should I borrow for a wedding loan? +
Borrow only what you need and can comfortably repay. The average American wedding costs around $30,000, but your actual needs will depend on your guest count, venue, and preferences.
What is the best loan term for a wedding loan? +
Upstart offers 3 or 5 year terms. A 3-year term has higher monthly payments but lower total interest. A 5-year term has lower monthly payments but higher total interest. Choose based on your monthly budget.
Is it a good idea to take out a loan for a wedding? +
It depends on your financial situation. If you have good credit and can get a low rate, a personal loan can be a reasonable way to finance a wedding. However, starting a marriage in significant debt can create financial stress. Consider scaling back the wedding or saving longer if possible.
What credit score do I need for a wedding loan from Upstart? +
Upstart has no minimum credit score requirement. Their AI-based underwriting considers your education and employment history.
WiseIQ may earn a referral fee from some lenders on this page. This does not influence our editorial ratings or recommendations. Our reviews are independently researched and editorially independent. Updated April 08, 2026.
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