FCAAuthorised & Regulated · No. 943426 · Lending in the United Kingdom and internationally since 2016
Home/ Personal Loans/ Wedding & Life Events

For the moments that matter most.

Weddings, family milestones, anniversaries, celebrations of life — fund what matters without compromising on what counts. £5,000 to £2.5 million, at our flat 1.5% APR.

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What life event loans can fund

Life events are deeply personal. Some — weddings, milestone birthdays, family reunions — are planned for years. Others — funerals, urgent travel home, an unexpected family circumstance — find you suddenly. We are here for both.

Our life event loans are deliberately flexible: short or longer terms, lump sum or staged, and an underwriting approach that recognises the emotional and practical complexity of these moments.

Who this loan is for

  • Couples planning a wedding without compromising the day or starting marriage in debt
  • Families travelling for milestone events — weddings, births, anniversaries, funerals
  • Individuals supporting an extended family event such as a major reunion or celebration
  • Anyone facing an unexpected event requiring immediate but structured financial support
  • Couples or individuals planning a significant honeymoon, sabbatical, or commemorative travel
  • Families covering the cost of a funeral, repatriation, or commemorative ceremony
We didn't want to start our marriage worrying about how to pay for the wedding we'd dreamed about. ASAF made it possible at a rate that meant we'd actually clear the loan, not service it forever. — James & Olivia W. · wedding loan, £45,000 · Cardiff, UK

How we structure the loan around your event

Most wedding and life event loans are structured over 3 to 7 years — short enough to keep the total interest minimal, long enough to keep the monthly repayment comfortable. The flat 1.5% APR means a £30,000 wedding loan over five years costs you just £2,250 in total interest — roughly £600 less than a typical UK credit card would charge in a single year.

For weddings being planned 12+ months ahead, we can issue an indicative facility now and draw down nearer the date — useful for venue deposits and supplier bookings without paying interest months in advance.

For unexpected events (funerals, urgent family travel, repatriation), our team can prioritise the application. Where possible, we issue same-day decisions for time-sensitive cases.

Plan ahead, draw later

Approved facility now, drawdown when you need it. Useful for events being planned 12+ months out.

Urgent-event priority

Funerals, repatriation, time-sensitive family events — we triage these for same-day decisions where possible.

Manager you can talk to

These are emotionally complex moments. Your relationship manager understands that and treats your file accordingly.

The process

From application to funded,
in four steps.

Each step has a defined timeline and a real person attached to your file. No black-box scoring, no run-around.

1
Apply

~3 minutes online

2
Review

Manager calls within 24 hours

3
Decision

Up to 5 working days

4
Funded

Same day on completion

Frequently asked

The honest answers,
before you ask.

Yes. We frequently issue indicative loan facilities up to 18 months in advance of the event. You only begin paying interest on funds you have actually drawn down, which makes long-lead weddings substantially cheaper.
If your application is for an urgent matter — a funeral, urgent travel home, family medical event abroad — let your relationship manager know in your initial conversation. We can typically issue a decision within hours rather than days, and arrange same-day funds transfer.
Not at all. Most couples apply once they have a working budget and have chosen their venue. The decision in principle takes up to 5 working days, after which you can confidently book suppliers knowing the funds are committed.
Yes — the minimum is £5,000. For smaller event funding (sub-£5,000), we recommend our debt consolidation product if you are looking to spread cost across an existing card, or simply discussing options with your bank.
Yes. We support both single and joint applications. For couples, joint applications are reviewed across the household income and circumstances, which often improves the maximum amount available to you.

Begin your life event loan

For the celebrations you have been planning, and for those that find you suddenly. Three minutes to apply.

Begin your application → Speak to our team