A wedding is a large expense, with no tangible returns. Even if you have sufficient savings, it is not advisable to use it all up in one shot. A personal loan for wedding allows you to distribute the cost over time and ensures that your savings do not dip dangerously low. Also, unlike credit cards, a personal loan gives you more flexibility by depositing cash into your account, which you can utilise for any wedding-related expense. While the interest rates on personal loans may be slightly higher than that of credit cards, it does give you the flexibility to repay the amount within 5 years.