Apply for funeral finance

Thinking about getting a loan to help with funeral costs? Our funeral finance options can help you spread payments out over 12 to 48 months.

Call us today on
0800 044 9455
Deposit
0%
No deposit required.
Payments
12 - 48 months
You can stretch payments out over 12 - 48 months.
Why use Beyond’s finance options to help pay for a funeral?

We know that 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 take care of.

That’s where we come in. For those who want to spread the cost of a funeral out over more time, there’s Beyond’s financing option: you can pay in instalments over 12 to 48 months, without even having to put down a deposit.

Simply give us a ring on 0800 044 9455 , or request a call at a convenient time using the form here.

Quick and easy to apply
Simple monthly payments
14.9% representative rate
No deposit required
No early repayment charges
Want us to give you a call?
Just let us know a convenient time for you

You’re in safe hands

Beyond is the UK’s most trusted companion for everything after life - but don’t just take our word for it...
Representative terms
Finance over 36 months
Total funeral cost
£3,500
Arrangement fee*
£100
Total loan amount
£3,600
Length
36 months (also avail. from 12-48 months)
Interest rate
14.9%
Interest charged
£744.77
Monthly payments
36 monthly payments of £110.69
Total amount payable
£4,344.77
APR
16.0%

Your FAQs on funeral finance

Who’s eligible for funeral finance?
What can I do instead of a funeral loan?
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?

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.

It’s worth adding that funeral finance is not for everyone. If you cannot repay the loan, there is a risk of going into debt, and it’s worth considering your options carefully before going ahead. If you need help, the guide here covers the government and charitable grants available.

What can I do instead of a funeral loan?

If you can’t cover the cost of a funeral, and you’re not able to take on a loan, you may be eligible for other forms of help:

  • The Funeral Expenses Payment from the government.
  • The Bereavement Support Payment from the government.
  • A Budgeting Loan from the government.
  • Charitable grants.
  • Crowdfunding.

You can find out more about these options on our dedicated page here.

How are finance decisions made?

Your application will be assessed based on eligibility, credit history and affordability through our finance partner Afford It Now, and Afford it Now 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, Afford it Now 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 four weeks after the start of the following month (for example, a loan taken out on the 15th January will have the first payment taken on the 1st March). 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, during which 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 and conditions for our cancellation policy.

I have other questions. Who can I contact?

Call Beyond on 0800 044 9455 and ask about funeral finance. Our lines are open between 8am and 8pm.

Always here to help

Not quite what you’re looking for? Go to our Advice Centre for simple, clear guides to everything after life.

Or contact our 24-hour helpline.

0800 044 9454Advice Centre

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