Funeral Finance is Here to Help with Funeral Costs

Thinking about getting a loan to help with funeral costs? We offer a range of helpful options.
Quick and easy to apply
Simple monthly payments
Pay just 10% now

Why use Beyond’s finance options to help pay for a funeral?

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.

Our funeral finance options

We’ve got multiple payment options, including interest-free and interest-bearing, providing flexibility to suit your needs.

Representative terms

 0% finance over 12 months9.9% finance over 24 months14.9% finance over 60 months
Total funeral cost£3,500£3,500£3,500
10% deposit£350£350£350
Length12 months24 months60 months (also avail. from 36 months)
Representative APR0%9.9%14.9%
Interest charged£0£320.35£1,244.75
Monthly payments12 monthly payments of £262.5024 monthly payments of £144.6060 monthly payments of £73.25
Total amount payable£3,500£3,820.35£4,744.75
0% finance over 12 months
Total funeral cost
£3,500
10% deposit
£350
Length
12 months
Representative APR
0%
Interest charged
£0
Monthly payments
12 monthly payments of £262.50
Total amount payable
£3,500
9.9% finance over 24 months
Total funeral cost
£3,500
10% deposit
£350
Length
24 months
Representative APR
9.9%
Interest charged
£320.35
Monthly payments
24 monthly payments of £144.60
Total amount payable
£3,820.35
14.9% finance over 60 months
Total funeral cost
£3,500
10% deposit
£350
Length
60 months (also avail. from 36 months)
Representative APR
14.9%
Interest charged
£1,244.75
Monthly payments
60 monthly payments of £73.25
Total amount payable
£4,744.75

Your FAQs on funeral finance

Who’s eligible for funeral finance?

You will only be considered for finance if you:

  • Are at least 18 years old.
  • Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance).
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits.
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
  • Provide an email address so your documentation can be emailed to you.

How are finance decisions made?

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.

How do I repay my funeral loan?

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.

How to I cancel my funeral loan?

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.

I have other questions. Who can I contact?

Call Beyond on 020 8629 1600 and ask about funeral finance. Our lines are open between 9am and 6pm.
Who’s eligible for funeral finance?
How are finance decisions made?
How do I repay my funeral loan?
How to I cancel my funeral loan?
I have other questions. Who can I contact?

Need more help? Take a look at our funeral finance guides

Not quite what you're looking for? Go to our Help Centre for simple, clear guides to everything after life, or call us on 020 8629 1600. We're here to help.
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