We know that paying for a funeral can be a costly and unexpected expense. Finding the necessary cash at short notice can be a strain, especially when there are so many other things to think about.
That’s where we come in to make your life easier. You can pay for a funeral now using our interest-free financing option - meaning we'll cover the full cost of the funeral up front, and you can pay it off gradually over 12 months.
Simply select the option when making an enquiry through Beyond.
You will only be considered for finance if you:
Your application will be assessed based on eligibility, credit history and affordability through our finance partner Deko, and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance, a hard credit check is made, which is recorded on your credit file.
Once approved, Deko will let you know who the lender is and provide with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Your first direct debit payment will be taken about a month after we’ve confirmed the funeral director is providing their services. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify both Beyond and the lender.
Withdrawing from the credit agreement does not mean you have cancelled your funeral arrangements. Please see our terms & conditions for our cancellation policy.
Beyond is authorised and regulated by the Financial Conduct Authority, register number 778428. Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.
Deko is a trading name of Pay4Later Ltd who act as a credit intermediary. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to https://www.dekopay.com/faq or visit https://www.dekopay.com.