Simplify your finances - without the stress of upfront costs.

A wedding is one of life’s most memorable events. But the joy of your big day can easily be overshadowed by financial stress. At Simplify, we help couples across New Zealand take control of their wedding budget with personal loans designed to make planning easier - and more affordable.

Whether you’re envisioning an elegant garden ceremony, a destination celebration, or a simple backyard gathering with friends and whānau, a Simplify wedding loan can help bring your plans to life - on your terms.

What can a Wedding Loan cover?

A personal loan gives you freedom to finance any part of your wedding, including:
• Venue hire and catering
• Dress, suits, rings and styling
• Music, photography and videography
• Honeymoon or destination wedding travel
• Invites, décor, flowers, and more

You can also combine wedding costs with other life expenses (like consolidating debt or planning a honeymoon) under one easy-to-manage repayment.

Create a Wedding Budget

Weddings are special - but without a plan, the costs can get out of hand quickly. Creating a budget early helps you stay focused on what matters most, without the stress or surprise expenses. Here’s how to start: Focus on what matters most

You don’t need to spend big on everything. Sit down with your partner and pick the three areas that matter most to you both - like the venue, attire, or photography. Prioritise these, and be okay with cutting back in other areas.

Limit who has a say

Decide upfront who’s involved in key decisions. Is it just you and your fiancé, or will parents or friends have input? Fewer voices means fewer compromises - and a lower risk of overspending.

Book what you’ll remember

Decide upfront who’s involved in key decisions. Is it just you and your fiancé, or will parents or friends have input? Fewer voices means fewer compromises - and a lower risk of overspending.

Lock in your essentials early

From venues to celebrants to stylists, booking early means better prices and more choice. Waiting can force you into limited or expensive options, especially during peak wedding season.

To learn more about how to plan and budget for your wedding, and so you know what loan amount you’ll need, check out our partners at MoneyHub's guide on How to Plan a Wedding on a Budget in New Zealand.

Celebrate love, not financial stress

By prioritising what truly matters, smartly choosing your vendors, and keeping a close eye on spending, your New Zealand wedding can be beautiful and budget-friendly. And if you find yourself needing a bit of extra financial flexibility, a clear plan from Simplify - paired with our personalised, fixed-rate loan options - can help you enjoy your special day without stress.