Come one guys pls advise

1. you don't need a $15K wedding. I planned mine on $3000. I live in the Boston area and went outside of the city. Got a nice hall, dinner and food/champ for 50 people, and his tux/my dress for that w/ money left over. Surely you know someone with a camera, and someone who could play some music for you on an ipod. I'm a woman and IMO, anyone who spends more than $5K or so on a wedding needs to have their head examined. Anyone who takes a loan for or charges a wedding needs to just re-examine their priorities.

2. your credit sucks. I'm sure your future wife would rather you use the money you have to fix your credit and not blow it on a one day party. Do not take out a loan. If you do, you're going to get a horrible interest rate.

3. Your income isn't terrible, but if you need a huge loan to pay for a wedding than I suspect you have other debt. I postponed my wedding because I didn't feel that we were financially secure enough yet to have a good start to our life together. You and your fiance should sit down and really discuss finances, credit and make a budget and financial plan. Money is the #1 cause of divorce.

You asked for advice. Well, this is it. I'm sure some others have thought the same but didn't want to write it out.

It's absolutely insane to have a wedding that is a one day affair for 15-20k. If you have to borrow the money you can't afford it. I wouldn't suggest starting my life together with someone for more debt. Try saving the money and having a reasonable wedding. My wife was amazing. She rented an old mansion for $150.00. The reception golf course was $250. The food was the most expensive. Around $1500. Our photographer was a friend who did a good job for free. Our DJ was a friend who charged us $500. The wedding dress was around $500. Our total cost were around $3000 and no one would have noticed the difference from a 20k wedding. Don't do it.

nothing else to say after this, with that credit score its a no no for anything with a normal rate

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I think you need to forget about the loan plans if you have bad credit standing

very nice advices!!!