A wedding dream to realize, without sacrificing their financial equilibrium
Julia and Marek, a young couple who had been living in Warsaw for a few years, had a simple but demanding dream : to celebrate their union with their loved ones in a setting worthy of their history. Like many modern couples, they wanted a wedding that was warm, elegant and true to their values. But it soon became clear that organizing a wedding is a costly affair, and one that is often underestimated.
Between venue hire, catering, decorations, music, wedding dress, suit, wedding rings, invitations, photography, entertainment and unforeseen events… their budget quickly exceeded €15,000. For Julia and Marek, who had just finished renovating their apartment, this one-off expense would have thrown their financial situation off balance.
So they made a conscious decision to take out a personal loan to finance their wedding, while keeping complete control of their budget. That’s how they discovered Garantia Credit.
The first step : a clear assessment of their needs
Far from rushing into anything, Julia and Marek first took the time to accurately estimate the cost of their wedding. Thanks to a tracking chart they built with the help of one of our team’s consultants, they were able to list every item of expenditure :
Reception venue : €5,000
Caterer for 80 people : €4,500
Outfits : €1,800
Photographer & videographer : €1,200
DJ & entertainment : €900
Decoration, flowers, invitations : €1,000
Contingencies : €600
Estimated total : €15,000
They chose to finance part of the project from their savings (€5,000) and apply for a €10,000 personal loan to cover the rest. This approach allowed them not to draw entirely on their security savings.
A simple, fast and tailor-made credit solution
After an initial online simulation, Julia and Marek were contacted by one of our financial advisors. Their objective ? Assess their situation, income and monthly expenses, and propose a responsible financing solution.
Our organization offered them a personal loan of €10,000 over 36 months, with an attractive fixed rate of 7.3% APR. This represented a monthly payment of around €300, perfectly compatible with their monthly budget.
The benefits of this solution :
Clear, fixed rate for the entire term
No collateral or mortgage required
Rapid disbursement within 48 hours of approval
Optional borrower’s insurance, tailored to their situation
Early repayment without penalty
Julia and Marek appreciated the clarity of the offer, the attentiveness of their advisor, and above all, the speed of the process, which enabled them to validate their providers without stress.
A successful wedding, without financial pressure
The wedding took place six months later at a beautiful estate in Warsaw. Everything went according to plan : an unforgettable moment, surrounded by family and friends, in a simple yet refined atmosphere. What they will always remember is that they were able to live the day to the full without worrying about their bank account.
After the wedding, they continued to pay off their loan every month, without any difficulty. This financing enabled them to smooth out the expense over three years, without impacting their other projects. And thanks to rigorous management of their finances, they were even able to plan a honeymoon trip six months later, which they financed in part with gifts received at the wedding.
Julia and Marek’s comments
Julia : “We didn’t want our wedding to become a burden. Thanks to this personal loan, we were able to do things properly, without stress. We knew exactly what we were borrowing, and for how long. And everything was handled very quickly, which was reassuring.”
Marek : “The most important thing for me was not to touch our precautionary savings. The loan enabled us to maintain a good balance. Today, I have no regrets : it was an efficient, flexible solution that suited our situation.”
What this case study teaches us
Julia and Marek’s story perfectly illustrates the purpose of a well-supervised personal loan : to enable you to carry out an important project, without upsetting your financial situation. Contrary to popular belief, taking out a loan is not a sign of weakness : it’s often a strategic decision, if taken with the right information and under the right conditions.
As a credit organization, our role is precisely to :
Listen without judgment to the needs of each individual
Propose clear solutions
Accompany you every step of the way, from quotation to repayment
Encourage responsible budgeting and debt management
Why choose Garantia Credit for a personal loan ?
We have helped hundreds of customers like Julia and Marek with their life projects : marriage, travel, renovations, studies, buying back credit… What makes us different ?
✅ Total transparency on rates and fees
✅ Fast, personalized response
✅ A human advisor who listens to you
✅ Flexible, adaptable terms and conditions
In conclusion
Julia and Marek’s wedding is a fine example of a life project intelligently financed. Thanks to a well-designed personal loan, they were able to live their big day to the full, without postponing their dream or sacrificing their financial security. A fine balance between emotion, organization… and foresight.
And you, what project would you like to realize without stress ? Let’s talk about it together. A free, no-obligation study is waiting for you.
