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I don't think a wedding is worth starting out married life in debt. You will want to be saving for a home right now, dealing with student loans or whatever.......I think a wedding is important but to me it wouldn't be worth debt....but as an adult you have to weigh that decision for yourself

I don't know anything about Bridal Loan. Are you sure you want to start our your marriage in debt? I would recommend finding ways to lower your budget or save money before you wedding. You have almost a year to save.

listen to Laura K. she is smart.

I don't think that it is a good idea to start your married life in debt... I think you should try to cut where you can, but try to save $$, I agree with MEG, you have a yr to save. Good luck!

It's one day!! Mind you, It's a VERY important day and one you will remember the rest of your life but I wouldn't jump into a loan for it. I agree with the previous input, you don't want to start your married life in debt, however, if you don't have other debt, then it may be that important to you! I would weigh your options heavily and if you do proceed with the loan, please be careful reading the fine print and any extra fees, interest rate fluctuation, etc. Good luck with whatever you decide!

I understand your concern. If you decide to go this route, besure to check out the interest rate and and reviews of this outfit. I might be better for you to review your options with your own bank. They may give you a better interest rate.

We have set a strick budget based on our current income. However, my job is in flux right now and with the Michigan economy at 15%, it is VERY possible I will be totally out of work soon. What we decided is to set a deadline of 3 months before the wedding. If my job is ok, then we proceed. If not, we go to plan B. Forfiet the deposits and go to a simple ceremony, family only and no recepetion and honeymoon. Maybe a big party after we recover finacially on a future anniversaery date. We picked 3 months because that is when the invitations go out.

We are going to be getting a loan from where ever we can find one. There just isn't a way around it for us. I only work part-time and his checks aren't enough to cover what we need. Yes, we know that it sucks that we will already be in debt but we see it as we are only going to get married once and we want it to be the way we envision it. Living in Michigan has given us no other choice because I was trying to find a second job and that just isn't happening..So onward forth with the loan process.

Try Citi-financial if you guys must get loans. Their percent is kinda high because it's an unsecured loan but, it might be the only option. I had to use them before for consolidating my debt a few years back. It's fast to get approved too if your approved.

http://weddingpaymentplan.com/brides_grooms_family.html

That is a wedding loan site that I just found. They offer lower rates and sound pretty legit. I may even look into them even further for our loan needs.

I would look into trying to save up for your wedding, even if you put back a few dollars a week you could probablly save enough money to have a beautiful wedding, good luck. It is up to you though if you decide to do the loan, I would maybe look at your bank too if you decide to go that route, good luck:)

Honestly, I am a collector for Chase. And I wouldn't advise you to that. Theese credit companies are doing whatever it takes to get their money back. And a wedding isn't worth it. Remember a application for creit or a loan is a legal binding contract. are you going to be able to pay it back? that is something that you have to know. You will be giving yourselves another bill. Please don't do it.

The way I see it is that taking out a loan is a lot better than racking up debt on a credit card...As long as you can get a lower rate on the loan then on a credit card.

I don't agree with much credit card debt either.....why not put the money aside into a savings that you would be putting towards a loan payment and when the savings account gets up to the loan amount THEN get married?.....that's how I do things....but I know I am down right un-American with how I don't like to live beyond my means and go into debt putting things on credit...I'd rather save a couple dollars a week for YEARS than pay interest on scary debt...I've never even financed a car, I save until I can afford it outright. That's how I put myself through college, etc...3-4 jobs at a time when need be....there's a reason the country is falling apart with people who can't afford all the debt they've built up...it's sad

I was just giving my opion. honestly it's up to her what she decides to do. It doesn't matter if it's a credit card or a loan. You still have to pay it back. And make sure that you are going to be able to handle the monthly payments.
***If you have to get a loan to have a wedding, to me that means that you can't afford the kind of wedding your having***
I would try to save up money and try and cut the cost as much as I can.
The economy is bad and it isnt getting any better.

Some people don't have the means to have any kind of wedding and that is why they have to take out loans and all that great stuff. Just because we can't afford it doesn't mean that we don't deserve it. Sorry if I sound offended but my whole life I haven't been able to afford crap and for once on my day I deserve to get what I want. We can afford the payments on the loan we just can't afford that kind of money right off the bat like it is required. I don't know about the person who posted this and what her financial situation is I just know what ours is and for us that is the best option.

but what doesn't make sense JJ is that if you can afford loan payments you can afford to put that money into a savings account until you do have enough to pay for what you want, right? I'm not trying to offend you or upset you in anyway...I just don't understand the point you're making and I'm asking for clarification....seems to me that if someone is scraping by why would they want to pay interest on a loan which will end up costing you MORE than if you just put that same money into savings? what is wrong in that logic?

actually in an ING account you'd be MAKING 4% interest on the money instead of paying 19% interest for the loan....no one said you don't DESERVE it....hell I wish I could have afforded all the things I DESERVE LOL

Or even if you are ready to get married why not to a simple JOP ceremony and then have a renewal of your vows/reception for your 1yr? That maybe a better route. That way you can still save $$ but enjoy being married. Just my opinion, but again its up to you.

I know you aren't trying to be offensive, it's just a really touchy subject right now for me. We can't afford to save enough money for the venue in enough time for our date. We are only taking out half of what it costs so that moeny wise we do half in cash and half in loan. We have figured it all out and we can afford to pay off the loan in about 2 1/2 years at a very low monthly payment. We are paying off our credit cards right now and will be cutting them up in about 3 months (i'm very excited for that :-) ) and then the money that goes for those payments will also be going toward our wedding fund. I don't really want to post what our budget and everything is but I would be willing to PM you for a better run down if this post doesn't clear it up.

oh good lord no JJ you don't need to send me your personal budget info! LOL this is YOUR personal business of course! However it works for you two as a couple is up to you. My point is just that PERSONALLY I would rather put the wedding off those 2 1/2 years until I have it saved up (actually since there's no interest it'd probably be under 2 years) than get into more debt. But that's just me, like I said I'm very uncomfortable with debt and I don't understand the American obsession with it. I'm sorry it's such a touchy subject for you. I've struggled for ever penny since I was 15 so I get why it's hard. That's why I guess I am different with my money than most people and I don't buy things I can't afford