On average, funerals in the UK cost around £4,500. That’s a lot of money to pay up front, especially if you weren’t expecting it. So, is there such a thing as pay monthly funeral plans? Can you pay for a funeral in instalments?

The good news is yes, you can. Just click the link below that best describes your situation, and we’ll point you in the right direction:

  • I want to pay for my own funeral ahead of time
  • I am paying for someone else’s funeral

 

Can you pay for funerals monthly in advance?

Looking for a way to pay for your own funeral in monthly instalments, before you die? The answer is a funeral plan.

A funeral plan saves your family the stress of planning and paying for your funeral by sorting it all out ahead of time. It can also save money: you pay today’s prices for services that may cost more at a later date. You will have the option to pay up-front or monthly over the course of a few years.

Most monthly payment funeral plans cost £3,000-6,000 on average, and cover any funeral costs that are within the provider’s control. Such as:

  • The funeral director’s fees for collecting the person who’s died, transporting them to the funeral, organising the service, filling in forms, and making sure the person who’s died is taken care of
  • The coffin
  • The hearse, and additional transport for the family
  • A pot of funds for extra expenses, such as flowers and burial urns
  • Administration fees

There may also be cancellation fees, if you decide to withdraw from your plan later.

Because funeral plan providers can’t control all the costs involved in a funeral, your family may have to pay a little extra on top when the time comes. But the plan should cover all or most of the services they’ll need.

So, how do you find suitable pay monthly funeral plans? If you value flexibility, we recommend the Beyond Open Funeral Plan. With this customisable plan, you can choose which local funeral director will arrange the funeral and pay only for the services you need or want.

 

Can I pay for a funeral in instalments after someone has died?

It’s not easy to find thousands of pounds at short notice. If you know you can pay for a funeral, but you need a bit of time to get the money together, you could consider funeral finance. This a kind of funeral-specific loan. The provider pays for the funeral up-front right away, while you pay it back in monthly instalments.

Funeral finance is a great option if you’re waiting for funding from other sources, such as probate or the DWP. You will need to be over 18, permanently residing in the UK, and pass a credit check.

Beyond offers a flexible funeral finance plan where you can create a flexible repayment schedule over the course of 12-48 months, with interest charged at 14.9% APR.

 

Have a question about pay monthly funeral plans and funeral finance?

Call us! If you need some advice or information about paying for a funeral in instalments, call us on 0800 054 9898 to find out more.

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Compare pre-paid funeral plans

Save £779 on average with the Beyond Open Funeral Plan Service.

or

call us today on 0800 054 9895 (free phone).