Shots Photography

Getting A Wedding Loan

Wedding loans are unsecured

Although it might be possible to get a secured wedding loan, most wedding loans are personal unsecured loans. This type of loan does not require you to put up something of value as collateral, meaning you do not need to put your home at risk. Also, a lot of people who are just getting married do not own property, and if they do will have a mortgage already and will not want to take out more money against their home. As long as you have reasonably good credit, you will be able to get some sort of unsecured wedding loan. Unsecured loans are also quicker to get hold of, because you do not have to go through the house valuation process.

How much debt do you want?

One thing you need to consider before taking out a wedding loan is the amount of debt that you are your partner are willing to carry into marriage. You will need to decide whether or not you apply for the loan separately or jointly, and take into consideration other debts you might have such as credit cards or mortgage payments. Only borrow what you can really afford to pay back. Although your wedding day is important, it is not worth getting into serious financial trouble over.

Greater ability to budget

Once you have worked out how much you want to borrow and applied to see what the amount you are eligible for, you can budget your wedding. If you have an amount already secured, then it is much easier to work out a budget for your wedding. You know how much money you have to work with, and so can plan the details within this budget.

Save yourself money

Wedding loans can also help to save you money on your wedding. Even if you have money set aside for your wedding, some of the costs might end up being paid for on a credit card, which carries a much higher interest rate than a loan. Also, if you are pre-approved for a wedding loan, you have the finance in place and can negotiate with suppliers for your wedding. If you can pay people like caterers and entertainers up-front, then they may be willing to give you a discount. This will help you to save money on your wedding and also ensure that everything runs smoothly.

Shop around and read the contract

As with any loan, it is important to shop around for the best rate. Also, make sure that you read the contract in detail before signing it. Your wedding is important, but so is the loan you use to pay for it. Long after your wedding day has finished you will be paying back the loan, so you need to make sure that it is right for you.

Peter Kenny is a writer for creditcards-gb.co.uk Please visit us at Unsecured Loans and Secured Loans Visit http://www.thriftyscot.co.uk/

MORE ARTICLES:

When to Run Screaming From a Wedding Vendor
If a bride doesn?t have the money for a wedding coordinator, she will have to fend for herself in the vendor world. She can search online and make phone calls, but she will still be racked with anxiety that the vendors she hires will not show up on the big day or worse ? they?ll show up with an embarrassing product or service.

Wedding Gift Guidelines To Consider
A wedding is a special event, not just for the bride and groom, but also for the people attending the wedding. An invitation to a wedding can be a symbol that the bride and groom consider you to be close friends of the family. There are important rules of etiquette that apply to the wedding, from ways to respond to the invitation to guidelines for purchasing wedding gifts.

Online Wedding Website Takes Stress Out of Planning That Big Day
Innovative and fully functional wedding website, WeddingWindow.com allows couples to access a step-by-step website building tool to assist them in setting up their website pages and features. Even those with no web experience at all can build a professional looking wedding website with all of the designs and features that WeddingWindow.com offers.

A Closer Look At Your Digital Photography
What does digital photography mean? Digital photography means different things depending on how the people interpret it. Some people perceive digital photography as something which converts a traditional photo into digital format by simply using a scanner. Others interpret it as something that is done by means of a traditional picture taken from film and digitize it through the computer. While others see it as something captured digitally by means of a digital camera.

Tips In Digital Photography That You Can Use
Perhaps one of the greatest invention in the 20st century is the digital camera. With its many outstanding features, novices in photography can produce great photos at less the effort. Not only does the digital camera provide convenience to photographers or those that are interested in the art but also savings to ordinary consumers.

Affordable Canvas Portraiture Now Offered by Ryan Shapiro Photography
Gallery wrapped canvas portraits are a terrific value and have become increasingly popular.

Save Money on Your Wedding Dress
Your wedding is quite possibly the most important day of your life and you've probably been dreaming about it since you were about 12 years old. The dress you choose is ultimately going to be what people look at and remember about your wedding.

Wedding Reception Made for You
No matter how well you plan all the aspects of the wedding, one deciding factor on how well it goes is based upon the wedding reception-site. All kidding aside, having it "rain on your special day" is certainly not the ideal wedding reception environment for most people.

Calphalon Cookware: A Great Bridal Shower And Wedding Gift Idea
Calphalon is a brand name registered to the Newell Rubbermaid Corporation. Newell Rubbermaid is a global, publicly traded company listed on the New York Stock Exchange. Product lines include items for offices, cleaning and organization, tools and home. Calphalon is part of the home and family line.

The 9 Essential Wedding Toast Tips
Having done three unprepared wedding speeches before, I know all about the stress involved in getting up in front of a

A Look at Maui Wedding Cakes
Since Maui and Hawaii in general have been blessed with the most wonderful fruits and flowers, the best cakes on the island tend to take advantage of them. There are companies on the islands that have been creating designs and recipes for wedding cakes for over 50 years.

Take You Russian Fiance to an American Wedding Before You Get Married
When I saw my friends later on, they would say to us, ?what a beautiful wedding.? By American standards, it was pretty good.

Home Run Baseball Photography Tips
Strike one! Strike two! Strike three!Baseball! America's Pastime, and a sport growing in popularity throughout the world, where the Boys of Summer slug it out. A baseball game is the perfect way to spend a lazy summer afternoon, plus it provides opportunities to take photos that last a lifetime.

To Choose a Wedding Planner or Not to Choose a Wedding Planner
When I was the owner of a major wedding facility, I was able to observe the results of more than 300 weddings. I've seen exceptional events that will last forever in the memories of the participants.