Finance Your
Dream Wedding
Don't let budget hold you back from the wedding you've always imagined. Pay over time with flexible financing options through Affirm.
0% APR available for qualified buyers.* Check eligibility in minutes.
*All rates, terms, and amounts are determined by Affirm and subject to eligibility. See disclosures below.
How Wedding Financing Works
From dream to done in four simple steps. Our partnership with Affirm makes financing your wedding venue straightforward and transparent.
Calculate Your Budget
Use our wedding cost calculator to estimate your total venue and vendor costs. Get a clear picture of what you need to finance.
Check Eligibility
Submit your information and see your financing options in minutes. Soft credit check won't affect your score.
Choose Your Terms
Select a payment plan that fits your budget. Choose from 3 to 36 months with rates as low as 0% APR.
Book Your Dream Venue
Lock in your perfect wedding venue and start planning. Make manageable monthly payments instead of one large deposit.
No commitment required. See your options in minutes.
Why Finance Your Wedding Venue?
Smart couples are choosing flexible payment plans to create the wedding of their dreams without financial stress. Here's why wedding financing makes sense.
0% APR Available
Qualified buyers may be eligible for 0% APR financing on select terms. Pay the same amount you would have paid upfront, just spread over time.
No Hidden Fees
What you see is what you pay. No origination fees, no prepayment penalties, and no surprises. Total transparency in every payment.
Flexible Terms
Choose from 3 to 36 month payment plans. Find the monthly payment that fits your budget without stretching your finances.
Protect Your Savings
Keep your savings intact for unexpected wedding expenses or your honeymoon. Spread venue costs over manageable monthly payments.
Book Your Dream Venue
Don't settle for less. Finance allows you to book the venue you truly want instead of compromising due to upfront payment requirements.
Premium Properties
Access our exclusive network of wedding estates with overnight accommodations. Finance the entire wedding weekend experience.
Ready to explore financing-eligible venues?
Payment Options Through Affirm
WedStay accepts Affirm as a payment option. Below are typical Affirm offerings—your actual rates and terms depend on Affirm's approval.*
Pay in 4
Split your booking into 4 interest-free payments over 8 weeks.
Ideal for: Smaller deposits or down payments
$5,000 = 4 payments of $1,250
- Zero interest*
- Bi-weekly payments
- No credit impact to check rates
- Instant approval decision
Monthly Payments
Spread costs over 6-12 months with competitive rates. 0% APR may be available for qualified buyers.*
Ideal for: Mid-range bookings $5,000-$20,000
$15,000 = ~$1,250-$2,500/mo*
- 0% APR for qualified buyers*
- Fixed monthly payments
- No prepayment penalties
- Build payment history
Extended Terms
Lower monthly payments with extended terms for larger wedding budgets.
Ideal for: Full wedding financing $20,000-$30,000
$30,000 = ~$833-$2,500/mo*
- Lowest monthly payments
- Finance full wedding weekend
- Predictable fixed payments
- Up to $30,000 available*
How APR is Determined by Affirm
Your APR is determined by Affirm based on your credit profile, purchase amount, and selected payment term. Affirm performs a soft credit check to show your options—this won't affect your credit score. A hard credit check is only performed when you accept a financing offer. WedStay has no control over Affirm's credit decisions or rate offerings.
*All rates, terms, loan amounts, and eligibility are subject to Affirm's approval and may vary. Payment options are provided by Affirm and its lending partners. See affirm.com/how-it-works for details. Affirm loans are made by Cross River Bank, Member FDIC.
Calculate Your Wedding Costs
Use our interactive calculator to estimate your total wedding venue costs. Then see how affordable monthly payments could make your dream wedding a reality.
Explore and Customize the Cost of Your Dream Wedding Experience
Includes minimum 2 nights accommodations for your guests, exclusive access to the property amenities and gathering spaces, taxes, and fees.
Wedding Budget Calculator
*For estimation purposes only. Final costs will vary based on dates, group details, and final selections.
Estimates are based on average WedStay property pricing. Actual costs vary by property, location, and season. View detailed regional pricing
See Your Monthly Payment
Enter your wedding budget to see estimated monthly payments at different terms. Find the payment that fits your financial plan.
Ready to see your personalized rates? Check eligibility in minutes.
*Estimated payments shown are for illustrative purposes only. Actual rates, terms, and maximum loan amounts are determined by Affirm and subject to eligibility. Maximum financing through WedStay is $30,000. Rates from 0-36% APR. All terms subject to Affirm approval.
WedStay Financing vs. Traditional Options
See how Affirm financing through WedStay compares to traditional wedding financing options like personal loans and credit cards.
Upfront Payment Required
Interest Rate
Credit Check Impact
Approval Speed
Hidden Fees
Prepayment Penalty
Fixed Payments
Max Financing Amount
Wedding Financing Options Compared
A no-BS guide to paying for your wedding. We break down every option with real numbers, actual costs, and honest advice—not just what lenders want you to hear.
| Option | APR Range | Terms | Risk |
|---|---|---|---|
Affirm (Buy Now, Pay Later)* | 0% - 36%* | 3 - 36 months* | Low Risk |
Credit Cards | 18% - 29%+ | Revolving (no fixed payoff) | High Risk |
Personal Loan | 6% - 36% | 2 - 7 years | Medium Risk |
Home Equity Loan / HELOC | 7% - 12% | 5 - 30 years | High Risk |
401(k) Loan | Prime rate + 1-2% (currently ~9-10%) | 5 years max | High Risk |
Family Loan | 0% - Applicable Federal Rate | Negotiable | Medium Risk |
Advantages
- 0% APR available for qualified borrowers*
- No hidden fees or prepayment penalties
- Soft credit check to see rates (no impact on score)
- Fixed monthly payments - you know exactly when you're done
- Fast approval - often within minutes
- No collateral required
Disadvantages
- Higher APR (up to 36%) if credit isn't excellent
- Maximum $30,000 through WedStay
- Shorter terms mean higher monthly payments
- Late payments can affect credit score
Requirements
- U.S. resident, 18+ years old
- Social Security Number
- Phone number that can receive SMS
- No minimum credit score (but affects rate)
Real Cost Example
Our Take
Best option if you qualify for 0% APR. Even at 15% APR, the fixed payments and no-fee structure make it competitive with personal loans. Max $30K through WedStay.
The Bottom Line: How to Choose
If you have excellent credit (720+):
Shop for a personal loan with rates under 10%, or try Affirm for potential 0% APR on shorter terms. Compare at least 3 lenders—rates vary dramatically.
If you have good credit (670-719):
Affirm or a personal loan are your best bets. Expect 10-18% APR. Avoid credit cards unless you can get a 0% intro offer AND pay it off before the promo ends.
If you have fair credit (580-669):
Options are limited but not impossible. Affirm may still approve you (expect higher APR). Consider a smaller wedding budget, longer engagement to save, or family help.
General advice:
- Never borrow more than you can comfortably repay in 3 years. Your first years of marriage shouldn't be spent stressed about wedding debt.
- Calculate the TOTAL cost, not just the monthly payment. A lower payment over more time often costs way more.
- Don't touch your 401(k) or risk your home. Those are for your future—your wedding is one day.
- A smaller, debt-free wedding beats a bigger wedding with years of payments. Your guests won't remember the price tag.
Important Disclosures
*Affirm Financing: Payment options through Affirm are subject to an eligibility check and are provided by Affirm's lending partners: affirm.com/lenders. Rates from 0–36% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. CA residents: Affirm Loan Services, LLC is licensed by the DFPI under license 60DBO-111681. Affirm loans are made by Cross River Bank, Member FDIC.
General Disclaimer: The information provided in this comparison guide is for educational and informational purposes only and should not be construed as financial advice. APR ranges, terms, and requirements shown are typical industry ranges and may vary significantly based on your credit profile, lender, loan amount, and other factors. Always review actual terms from lenders before making financial decisions.
Example Calculations: All cost examples shown are illustrative only using hypothetical rates and terms. Your actual rates, payments, and total costs will depend on your creditworthiness, the lender you choose, and current market conditions. Use these examples for comparison purposes only—not as guarantees of actual financing terms.
WedStay's Role: WedStay LLC is not a bank, lender, broker, or financial advisor. WedStay does not make credit decisions, offer financial advice, or guarantee financing approval. WedStay accepts Affirm as a payment option for venue bookings—all financing is provided directly by Affirm and its lending partners.
Frequently Asked Questions
Everything you need to know about financing your wedding venue through WedStay and Affirm.
WedStay partners with Affirm to offer flexible payment plans for wedding venue bookings. Instead of paying the full venue cost upfront, you can spread payments over 3 to 36 months with competitive rates starting as low as 0% APR for qualified buyers. This makes dream wedding venues more accessible without depleting your savings.
Have more questions about WedStay or wedding planning?
View All FAQsImportant Financing Disclosures
Affirm Financing Terms
Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, may vary by merchant, and may not be available in all states.
Rates and Approval
Rates from 0–36% APR. Payment options are subject to an eligibility check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.
Credit Reporting
Your rate will be based on your credit profile, and is subject to an eligibility check. Checking your eligibility does not affect your credit score (soft inquiry). When you apply for and accept an Affirm financing offer, a hard credit inquiry will be performed. Your payment activity may be reported to credit bureaus.
About WedStay
WedStay LLC is not a bank, lender, or financial institution. WedStay does not make credit decisions or guarantee financing approval. All financing is provided by Affirm, Inc. and its lending partners. WedStay is not affiliated with Affirm, Inc. except as a merchant partner offering Affirm as a payment option. Your financing agreement is between you and Affirm, not WedStay.
California Residents
Affirm Loan Services, LLC is licensed by the California Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
New York Residents
Affirm loans in New York are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. Affirm, Inc., NMLS ID 1883087. www.nmlsconsumeraccess.org
Additional Information
For Affirm's complete terms, conditions, and privacy practices, visit affirm.com/disclosures. Sample payment amounts shown on this page are for illustrative purposes only and may not reflect your actual payment terms. The availability of 0% APR financing depends on your creditworthiness and is not guaranteed.
© 2025 WedStay LLC. All rights reserved. WedStay and the WedStay logo are trademarks of WedStay LLC. Affirm, the Affirm logo, and "Pay over time" are trademarks of Affirm, Inc. All other trademarks and service marks are the property of their respective owners.