Apply 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.

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.

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.

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.

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.