Planning a wedding is an exciting milestone, though it often involves significant financial decisions. You may wonder, “How much does a wedding cost in Singapore?”. Wedding costs can differ greatly based on your preferences, such as exquisite venues, personalised catering, or tailored outfits. Without a clear plan, costs can quickly add up, making it important to approach budgeting thoughtfully.
This guide dives into the typical wedding expenses you might encounter, offering practical tips to create a realistic budget. It also highlights how loans can be a helpful way to manage costs, giving you the freedom to focus on building beautiful memories rather than worrying about finances.
Whether you’re just beginning your wedding planning or need help balancing your budget, this article provides the insights to bring your dream wedding to life without overextending your finances.

Part 1: Understanding Wedding Costs
A wedding is a once-in-a-lifetime celebration, but wedding expenses can quickly add up without careful planning. Breaking down the key expense categories in wedding planning is essential in managing your budget effectively. This section looks at major wedding costs, offering practical insights, price ranges, and money-saving tips to help you stay on track.
Venue Costs
The venue sets the stage for your big day, creating the ambience and tone of the celebration. In Singapore, the choice of venue can significantly impact your wedding budget planning, with costs varying widely depending on your choice of location and package inclusions.
- Types of Wedding Venues
- Hotels: Known for their convenience, hotel venues often include catering, décor, and a coordinator in their packages. While seamless, these options can be pricey.
- Banquet Halls: Ideal for large guest lists, banquet halls offer layout flexibility and are often more budget-friendly.
- Outdoor Locations: Gardens, beaches, and parks provide a romantic, natural setting. However, they may require additional rentals, décor, and permits.
- Average Costs Associated with Venues
- Hotels: SGD 3,000–SGD 10,000, depending on prestige and package inclusions.
- Banquet Halls: SGD 2,500–SGD 8,000, with additional costs for services not included.
- Outdoor Locations: SGD 1,500–SGD 5,000, plus extra for rentals and logistics.
- Tips for Finding Affordable Venues
- Opt for off-peak seasons or weekdays to enjoy reduced rates.
- Look for venues offering comprehensive packages to streamline costs.
- Read contracts carefully to avoid hidden fees and negotiate where possible.
Attire and Accessories
Looking your best is a priority for any wedding, and attire often forms a significant portion of the budget during wedding planning. From gowns to accessories, costs can add up quickly.
- Wedding Dress and Groom’s Suit
- Wedding Dress: SGD 1,000–SGD 5,000, depending on designer and customisation.
- Groom’s Suit: SGD 500–SGD 2,000, with tailored suits offering better fit but higher costs.
- Accessories
- Veil: SGD 100–SGD 500
- Shoes: SGD 100–SGD 300
- Jewellery: SGD 200–SGD 3,000
- Custom-made vs. Off-the-Rack Options
- Custom-made: Unique and sentimental but at a premium price.
- Off-the-rack: More affordable and readily available, though alterations may be required.
Food and Beverage
Food and drinks are central to any wedding celebration, and catering options can significantly impact your overall wedding planning budget.
- Catering Options and Costs
- Buffet: Relaxed and versatile, costing SGD 50–SGD 150 per person.
- Sit-Down Dinner: Formal and refined, with multi-course meals priced at SGD 80–SGD 200 per person.
- Additional Costs
- Beverages: SGD 20–SGD 50 per person, depending on wine and cocktail selections.
- Special Meals: Dietary-specific options may come at an extra charge.
- Buffet vs. Sit-down Dinner
- Buffet: Offers variety and flexibility but lacks the polish of formal dining.
- Sit-Down Dinner: Adds sophistication but comes with higher costs.

1.1 Additional Wedding Expenses
Planning a wedding is not just about the venue, attire, and catering; it is about creating a day that reflects your personality and love story. Additional wedding expenses often add the finishing touches that make your celebration truly unique. However, thoughtful budgeting during the wedding planning stage is needed to avoid overspending.
Photography and Videography
Preserving the magic of your wedding day is something most couples would not compromise on. Professional photographers and videographers capture the emotions, laughter, and memorable moments, allowing you to relive the day for years to come.
- Average Costs for Professional Services
- Photography: Typically costs between SGD 2,000 and SGD 5,000, depending on the photographer’s expertise and package inclusions.
- Videography: Ranges from SGD 2,000 to SGD 4,000.
- Package Options and Extras
Many photographers and videographers offer packages that include a specific number of hours, professionally edited photos or videos, and even wedding albums. You could also add special touches like drone footage for stunning aerial shots or a photo booth for guest entertainment. While these extras can elevate the experience, it is essential to prioritise based on your budget.
Entertainment
The right entertainment creates an unforgettable atmosphere for your wedding. Whether you prefer the soulful charm of a live band, the energy of a DJ, or something unique like a magician, these elements set the tone for the day and keep your guests engaged. They are something that needs to be accommodated during wedding planning.
- Costs of Entertainment Options
- Live Bands: SGD 1,000 to SGD 5,000, based on the band’s reputation, size, and the duration of the performance.
- DJs: A more affordable option, usually costing between SGD 500 and SGD 1,500.
- Unique Performances: Acts like magicians or dancers range from SGD 500 to SGD 2,000.
- Interactive Activities for Guests
Interactive options such as photo booths (costing SGD 300 to SGD 800) or custom games can add a fun and personalised touch to your wedding, but they should be factored into your entertainment budget.
Decorations and Flowers
Decor and floral arrangements set the visual tone for your wedding. From bouquets to table centrepieces and thematic decorations, these elements bring your vision to life, which makes it an essential part of your wedding planning.
- Floral Arrangements and Decor Costs
Fresh floral arrangements can cost between SGD 500 and SGD 2,000, depending on the type of flowers and complexity of the designs. Additional decor elements, like thematic backdrops, ambient lighting, or personalised signage, may add SGD 300 to SGD 1,500 to your budget.
- Smart Ways to Save on Decor
- Opt for Seasonal Flowers: These are more affordable and add a fresh, natural touch to your decor.
- Repurpose Items: Reuse floral arrangements from the ceremony for your reception.
- DIY Projects: Creating your own centrepieces or decorative accents can save costs and bring a personal touch to your wedding theme.
1.2 Miscellaneous Costs
When planning your wedding, it is easy to focus on the big-ticket items like the venue, attire, and catering. However, smaller, miscellaneous expenses can quickly add up and are just as important to account for. These costs often cover the finer details that make your big day seamless, enjoyable, and memorable for everyone involved.
Transportation
Getting everyone to the right place at the right time is a crucial part of your wedding day logistics. Transportation plays a vital role in ensuring a smooth experience for both the bridal party and your guests.
- Costs for Hiring Transport for the Bridal Party and Guests
Renting a bridal car typically costs between SGD 500 and SGD 1,000, depending on the car model and duration of use. Luxury options, like classic cars or Rolls Royce, fall on the higher end, adding a touch of glamour for the couple.
Transportation is especially important for guests if the wedding is large or the ceremony and reception are at separate locations. Guest transport costs can range from SGD 500 to SGD 2,000, depending on the distance, the number of vehicles needed, and whether you opt for private cars or more economical shuttle services.
Wedding Favour and Gifts
Wedding favours are a lovely way to thank your guests for celebrating with you, while gifts can add a heartfelt touch for your bridal party or close family members. Though small, these items can add up quickly if not accounted for during wedding planning.
- Typical Costs for Wedding Favours and Gifts for Guests
Wedding favours usually range from SGD 5 to SGD 50 per guest, depending on how elaborate or personalised they are. For instance, simple items like chocolates or potted plants are on the affordable side, while customised or luxury gifts can increase costs significantly.
Gifts for your bridal party or close loved ones may cost SGD 5 to SGD 20 per person, often consisting of meaningful keepsakes like personalised keychains or mini photo albums.
- Ideas for Cost-effective Favours
Cost-effective options include DIY favours, such as hand-decorated cookies, jars of jam, or crafts. Practical items like eco-friendly products or plants can also leave a lasting impression while keeping expenses reasonable.
Wedding Planner
Hiring a wedding planner can make the entire process of planning your wedding less overwhelming, providing professional expertise to handle logistics, vendors, and timelines. However, this added convenience comes at a price.
- Costs of Hiring a Planner
Wedding planners in Singapore typically charge between SGD 2,000 and SGD 5,000, depending on their experience, the range of services offered, and the complexity of your event. Full-service packages that include everything from venue selection to on-the-day coordination are usually on the higher end.
- Planner vs. DIY Planning
A planner can save you time and stress, often helping you secure better deals through their vendor networks. They can ensure the day runs smoothly while allowing you to focus on enjoying the celebrations. However, planning your wedding on your own can save you the planner’s fee, though it requires significant time, effort, and meticulous organisation.
Legal and Administrative Fee
While not an exciting part of wedding planning, fulfilling the legal requirements is an essential step to formalise your marriage.
- Costs Associated with Marriage Registration and Other Legal Requirements
In Singapore, marriage registration fees range from SGD 42 to SGD 380, depending on whether you are a local or foreign couple. Additional costs may arise for officiants at religious ceremonies or specific administrative requirements.
While these fees are relatively minimal compared to other wedding expenses, they are crucial to ensure your marriage is legally recognised. Preparing these documents early can help avoid any last-minute stress.

Part 2: Utilising Financial Solutions
Wedding planning often brings unforeseen expenses, and even the best budgeting might not stretch far enough. Wedding loans can be a practical solution, bridging the gap between your savings and the celebration you envision. Let’s dive into these loans, how they differ from general personal loans, the types of marriage financing options available in Singapore, and what you’ll need to qualify.
2.1 What Are Matrimonial Loans?
In Singapore, a marriage loan is a tailored form of personal financing designed to ease the financial strain of wedding expenses. They provide a lump sum upfront, which is repaid in fixed monthly instalments over a set period. This flexibility means you can cover wedding costs without waiting to save the full amount, allowing you to focus on creating memories rather than managing money.
Think of it as a financial cushion that offers breathing space when your wedding planning budget runs higher than expected or when you prefer spreading payments over time.
How Are Nuptial Loans Different from Personal Loans?
Both wedding financing and personal loans provide financial support, but they serve different purposes and come with varying terms:
- Personal Loans:
- General-purpose financing for expenses like home renovations or debt consolidation.
- Terms and interest rates depend on your income, credit score, and financial history.
- Flexible but not explicitly tailored for weddings.
- Wedding-Specific Loans:
- Specifically designed for wedding-related costs.
- It may come with higher borrowing limits or extended repayment periods.
- It is ideal for couples who need additional financial support for their big day.
Types of Bridal Financing Available in Singapore
In Singapore, wedding financial solutions typically fall into two categories:
- Secured Loans
- They are backed by collateral, such as property or savings.
- Lower interest rates and higher borrowing limits.
- It is riskier for borrowers since defaulting could mean losing the collateral.
- Unsecured Loans
- No collateral is required.
- Approval depends on your creditworthiness (income and credit score).
- It is easier to access but usually comes with higher interest rates.
Loan Amounts and Typical Terms:
Loan amounts range from SGD 1,000 to SGD 50,000, depending on your financial profile and the lender’s policies. Repayment terms typically span 1 to 5 years. Shorter terms mean higher monthly payments but less total interest, while longer terms reduce monthly costs but increase interest over time.
Eligibility Requirements
To apply for a bridal loan in Singapore, you’ll need to meet the basic criteria:
- Identification: NRIC or passport for identity verification.
- Proof of Income: Salary slips, tax returns, or an employment letter to confirm steady earnings.
- Employment Status: A stable job with a consistent income.
- Age: Typically, lenders require applicants to be a minimum of 21 years old.
The Role of Credit Scores and Income
A strong credit score can unlock better loan terms, such as lower interest rates. It shows lenders that you have a reliable history of managing debt. Conversely, a lower score may result in higher interest rates or limited loan options.
Income also plays a critical role. Lenders assess whether your earnings can comfortably cover the loan repayments alongside existing financial commitments. A higher income generally improves your chances of approval and access to more favourable terms.
By understanding how marriage loans work and selecting the right option, you can enjoy a stress-free financial approach to planning your special day.
2.2 How to Apply for a Matrimonial Loan
Applying for nuptial financing may feel overwhelming, but a bit of preparation can make the process much smoother. Here’s a straightforward guide to help you, from gathering documents to selecting the right lender.
Getting Ready to Apply
Being organised is key to a seamless application process. Before you start, ensure you have all the necessary documents and details at hand.
What You’ll Need
- Identification Documents: A valid NRIC or passport to confirm your identity.
- Proof of Income: Recent payslips, tax returns, or bank statements to show you have a steady income.
- Bank Statements: These give lenders an overview of your financial situation, including savings and expenses.
- Details of Existing Debts: Lenders will assess your current financial commitments, so be ready to share information about loans or credit card balances.
How to Check and Improve Your Credit Score
Your credit score plays a significant role in determining your loan approval and terms. You can check your credit report through agencies like Credit Bureau Singapore or free online tools.
If your score needs improvement, consider:
- Paying off outstanding debts.
- Ensuring all bills are paid on time.
- Correcting any errors on your credit report.
Even minor improvements can help you qualify for better interest rates or loan terms.
Choosing the Right Lender
With your documents ready and credit score checked, the next step is to find a lender that matches your needs.
What to Look For:
- Interest Rates: Compare rates from multiple lenders to minimise costs.
- Loan Terms: Shorter terms mean higher monthly payments but less interest overall, while longer terms offer lower payments with higher total interest.
- Repayment Flexibility: Check if the lender allows adjustments or early repayments without penalties.
- Fees: Be mindful of extra costs, such as processing fees or late payment charges.
Online comparison tools simplify this process, while customer reviews offer helpful insights into the quality and reliability of services.
Applying for the Loan
After selecting a lender, you can proceed with the application process.
Step-by-Step Guide:
1. Collect your documents: Ensure everything is complete and current.
2. Select Your Lender: Pick the one offering the best rates, terms, and flexibility for your needs.
3. Fill Out the Application: Ensure all details are accurate, whether online or in person.
4. Submit the Application: Include all required documents to avoid delays.
5. Await Approval: Lenders typically take a few days to review your application.
6. Review the Loan Agreement: After approval, carefully review the terms before signing.
Tips for a Smooth Application
- Be Thorough: Double-check all forms and documents for accuracy.
- Stay Responsive: Reply promptly to any requests from the lender for additional information.
- Communicate Clearly: Reach out if you have questions—keeping communication open can help resolve issues quickly.
With proper preparation and the right approach, applying for wedding credit can be stress-free, bringing you one step closer to your dream day.

2.3 Managing Your Loan
Securing a matrimonial loan is an important step in the wedding planning process, but managing it wisely is equally essential to ensure that it doesn’t add unnecessary financial strain. Here are some practical tips to help you stay on top of your loan repayments, avoid common pitfalls, and maintain financial stability as you plan your dream day.
Budgeting for Loan Repayments
Budgeting effectively for repayments is crucial to staying on track with your borrowings and avoiding financial headaches.
How to Integrate Loan Repayments into Your Budget
1. Create a Budget: Start by including your loan repayments as a regular part of your monthly expenses. Treat it like rent, utilities, or any other fixed cost, ensuring it’s accounted for in your monthly budget.
2. Allocate Funds: Set aside a portion of your income specifically for loan repayments. Consider automating this process by arranging for a fixed amount to be transferred directly to your loan account each month, making it easier to stick to your plan and avoid temptation.
3. Track Spending: Monitoring your expenses will help you stay on top of your finances and ensure you’re not overspending. Consider using budgeting apps or tools that can track your income and expenses so you can quickly see where you stand in relation to your loan repayments.
Strategies for Managing Monthly Payments
Staying on top of your monthly payments is crucial for avoiding late fees and penalties and keeping your finances balanced.
- Automatic Payments
Setting up automatic payments is one of the easiest ways to ensure that your loan repayments are made on time every month. This way, you don’t have to worry about missing a payment or incurring late fees, as the amount is deducted automatically from your account.
- Contingency Fund
Life can be unpredictable, so it’s wise to build a contingency fund for those unexpected costs. Having this financial cushion will give you peace of mind, knowing that you can cover emergency expenses without affecting your loan repayments.
- Adjustments
Life circumstances can change, so it’s important to review your budget regularly. If your income or monthly expenses shift, adjust your budget accordingly, ensuring that your loan repayments remain manageable.
Alternative Financing Options
If a bridal loan isn’t the right fit for you, there are several other options to consider when financing your big day.
- Savings
Using your personal savings can be a straightforward way to fund your wedding. This option allows you to avoid borrowing money and paying interest, so if you’ve saved enough, it might be the most cost-effective choice.
- Family Contributions
If possible, consider asking family members for financial assistance. Whether it’s a wedding gift or a loan from relatives, this can significantly reduce the amount you need to borrow. Just be sure to set clear terms and expectations with family members to avoid any misunderstandings down the line.
- Other Sources of Funding
If you don’t want to take out traditional wedding financing, there are other ways to gather funds. Some people opt for credit cards with low interest rates or use personal lines of credit, which may offer more flexibility than a standard loan. Crowdfunding platforms can also provide a more personalised and community-driven way to fund your wedding, allowing friends and family to contribute to the costs.
By carefully managing your loan and exploring alternative funding options, you can ensure that you stay financially comfortable while planning the wedding of your dreams.

Questions You Might Have
Here are some answers to common questions about matrimonial financing that could help you as you plan your big day.
1. What are the benefits of taking out a marriage loan?
Taking out a loan offers several advantages that can ease the financial stress of planning a wedding. One key benefit is that it gives you the flexibility to cover expenses like venues, vendors, and attire without upfront payments. It allows you to tailor the loan amount to your needs, and many come with manageable repayment terms and low interest rates. However, interest charges will increase the total cost, and taking on debt can affect your financial stability or credit score if not managed well. Also, eligibility criteria can make borrowing more challenging.
2. What should I do if my wedding budget exceeds my loan?
If your budget exceeds the loan, reassess your expenses and cut back on non-essentials from the wedding planning. Consider other funding options like personal savings, credit cards, or family contributions. You can also negotiate with vendors for discounts or flexible payment terms and look into DIY solutions for decorations and invitations to save money.
3. Are there any hidden costs associated with these loans?
Yes, hidden costs can include processing fees, late payment fees, and prepayment penalties. Some lenders may also charge administrative fees for managing the loan. To avoid surprises, review the loan agreement carefully to understand any additional charges.

Planning a wedding in Singapore can feel overwhelming, especially when it comes to managing costs. With so many things to organise—from the venue to the dress and everything in between—expenses can add up quickly. However, understanding the main cost areas and using practical financial tools can bring your dream wedding to life without stretching your budget.
The first step in cost management for weddings is creating a clear budget. Break down the expenses into categories and allocate funds to each one accordingly. Additionally, exploring financing options, like wedding credit, can give you the flexibility to cover all aspects of your big day. A well-planned loan allows you to spread out payments, easing the financial pressure and letting you focus on enjoying the wedding planning process without the stress of upfront costs.
If you’re looking for a reliable and affordable solution, Shenton Credit is here to help. Shenton Credit is here to support you. Our personalised loan options are tailored to your unique needs, offering competitive interest rates and flexible repayment terms. We understand that every wedding is different, so we work with you to find the best financial solution, helping you enjoy your big day without the financial stress.
Don’t let financial worries take away from the joy of your wedding planning. Visit our website today to explore our tailored loan options and take the first step towards your perfect celebration!