We're not doing a Disney Wedding (wish we were), just a Disney honeymoon.
However, we have taken out a loan. It's through MBNA....it's called a wedding loan. It's basically a line of credit that's good for 2 years...the interest rate is great (I don't remember what it is exactly), and with our loan of $10K, the highest our payments will get is like $165 or something.
Wish we didn't have to do this, but it was the best thing for us for a few reasons.
1. Wedding $$ don't flow out evenly. There are tons of deposits at the beginning, and tons of payments at the end. We can't budget to have $3000 in deposits go out one month, then nothing for a few, then $8000 at the end.
2. We don't have a huge savings base, but nor do we want to wait to get married until we do!! I understand the argument about not starting out in the red (and I've already heard it enough, so please don't flame me). I just know that at 25 and 21, we haven't had years and years to save. I just got out of college!!
3. We have great, steady income jobs that neither one of us is in danger of losing in the coming year till our wedding.
It's not for everyone. Yes, the ideal situation is to have it in cash. We couldn't. So this is what we chose instead.