Do funeral directors do payment plans?

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Do funeral homes offer payment plans? Sometimes. It depends on the funeral director and when the funeral is taking place.

Generally speaking, it’s easier to find flexible payment options if you’re planning your own funeral in advance. It’s harder if you need to pay for a funeral for a person who has recently died.

In this article, we’ll cover the two main types of payment plans for funeral services. These are:

We’ll also look at a few ways you could get help paying for a funeral.

Paying for a funeral in instalments

Are you arranging a funeral for a person who has recently died? If you’d like to spread the cost, you’ll need to find a funeral director who’s willing to offer flexible payment terms.

While it’s not common, some funeral homes do have payment plans in place to help make funerals a little more affordable.

Your best bet is to shop around. You can use our free search tool to look for funeral homes that accept payment plans near you. Simply enter your postcode to get started.

How do I know if they accept payment plans?

Occasionally, a funeral director will mention that they do payment plans on their website. If they don’t, they might say so on their price list instead. You should be able to download this from their website – look for terms like ‘CMA price list’ or ‘standardised price list’ to find it.

Failing this, phone them up and ask ‘can I pay for a funeral in instalments?’. Even if they say no, they may be able to advise on other ways you can get help paying for the funeral.

Are there any downsides?

Yes, potentially.

If you spread the cost of a funeral, you may have to pay interest with each instalment. This means the total cost of the funeral will be higher than if you’d paid upfront.

This is normal. Paying for a funeral in instalments is much like taking out a loan or buying a car on finance. The funeral director is effectively lending you money for the funeral, so will charge interest for this service just as a bank or finance provider would.

Be sure to read any agreements carefully before you sign them and ask the funeral director if you’re unclear about anything. You could also consider taking out a funeral loan with a bank. They might offer lower interest rates than your funeral director.

What if I’ve already chosen a funeral director?

Don’t worry. You’re free to shop around and change funeral directors, even if you’ve already chosen one.

One thing to keep in mind: you’ll have to pay your current funeral director for anything they’ve done so far, such as looking after the body. For this reason, it’s best to choose a new funeral director as early as possible.

You can learn more in our article, ‘can you change funeral directors?’.

Pre-payment funeral plans

A pre-payment funeral plan is a way of paying for your own funeral in advance. This means your friends or family will have less to pay when you die. This kind of funeral payment plan is often simply called a ‘funeral plan’.

There are lots of funeral plan providers in the UK. Some are tied to a specific funeral director, while others let you choose from a list of different funeral homes.

How do they work?

Funeral plans work like savings accounts. You can either pay a lump sum to cover your funeral or pay in instalments. Depending on the payment plan you choose, these instalments could be paid over several months or years.

When you die, the money you’ve paid is used to cover some of your funeral costs.

You can learn more about pre-paid funeral plans and how they work here.

More ways to get help with funeral costs

As well as paying for a funeral in instalments, you might be able to get other funds to help pay for it.

Check if the person had a funeral plan

It’s possible that the person who has died took out a pre-payment funeral plan but didn’t tell you.

Unfortunately, there’s currently no easy way to find out. You could try asking around – they might have told a close friend or family member about the plan. You could also look for documents from a funeral plan provider or call up a few providers and ask.

Take out a funeral loan

Some people take out a loan to cover funeral costs, then pay back the loan over several months or years.

This might be a good option if you want to use a funeral director who doesn’t accept payment plans. Taking out a loan means you can pay the funeral director upfront but spread the cost with a bank or other lender.

Bear in mind that you’ll have to pay interest on the loan, so the funeral will cost more in the long run. However, your bank may be able to offer a better interest rate than your funeral director. If you have a poor credit rating, you’ll often have to pay more interest. Your loan application could even be refused.

Some lenders offer loans especially for funerals. You don’t have to use one of these loans to pay for a funeral. You can take out a standard personal loan with your bank and use this to cover funeral costs.

Get help from the government

Depending on your circumstances, you may be able to access government funds to help pay for the funeral. These include:

Make sure you check the details as some funds might affect your benefit payments.

Get help from a charity

There are quite a few UK charities that can help people with funeral costs. Some, like Quaker Social Action, offer advice to anyone who’s struggling to pay for a funeral. Others can provide financial help if the person who has died had a certain job or passed away from a particular illness.

Here’s a list of funeral charities that may be able to help you.

Other useful articles

 

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Funeral Director fees

The price quoted contains the Funeral Director fees for a simple funeral. This includes:

  • Funeral Director fees for meetings, paperwork and running the funeral
  • Collection of the deceased and care prior to funeral
  • Hearse or appropriate vehicle for transport to the funeral
  • Basic coffin

The Funeral Director fees quoted do not include third party costs (often called disbursements). The Funeral Director will guide you through your options. These costs are:

  • Cremation or burial fees
  • Medical certificate for cremation
  • Clergy or officiant fee for conducting the ceremony

In addition to the disbursements you may want to discuss optional costs with your Funeral Director - these could include:

  • Funeral flowers
  • Memorial (venue hire, catering etc)
  • Memorial headstone
  • Orders of service
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What is a Direct Cremation?

A Direct Cremation is an alternative to the traditional funeral. This involves the cremation of the deceased without a funeral service. A Direct Cremation is generally the most economic option because costs of the coffin, preparation of the body, funeral service and expensive transportation are not included. However, many people choose Direct Cremations for reasons other than expense, for example:

  • - Wanting to have a memorial at a different time to the cremation
  • - Expressed desire from the deceased to not have a ceremony
  • - Individuals with relatives who face big physical or geographical challenges in coming together for a ceremony

The prices quoted for Direct Cremations include:

  • All charges, meetings and paperwork for the cremation
  • Collection of deceased and care prior to cremation
  • A simple coffin and urn for the ashes
  • Cremation fees and delivery of ashes to the family
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Attended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees for an Attended Funeral, which is where family and friends have a ceremony or service for the deceased person at the same time as they attend their burial or cremation.

This price includes the following:

  • Taking care of all necessary legal and administrative arrangements
  • Collecting and transporting the deceased person from the place of death (normally within 15 miles of the funeral director’s premises) into the funeral director’s care
  • Care of the deceased person before the funeral in appropriate facilities.
  • Providing a suitable coffin
  • Optional viewing of the deceased person for family and friends, by appointment with the funeral director
  • At a date and time you agree with the funeral director, taking the deceased person direct to the agreed cemetery or crematorium (normally within 20 miles of the funeral director’s premises) in a hearse or other appropriate vehicle

In addition to the Funeral Director’s fee, there will be third party costs to consider (sometimes called disbursements) to cover the other aspects of a funeral (such as the crematorium or burial fees). Your chosen Funeral Director will be able to provide these for you.

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Unattended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees and the crematorium fee for an Unattended Funeral, which is where family and friends may choose to have a ceremony, event or service for the deceased person, but they do not attend the burial or cremation itself. This is also known as a Direct Cremation.

This price includes the following:

  • Funeral Director's fees
  • Crematorium fee (for an unattended funeral) as selected by the Funeral Director

In addition to this fee, there might be additional third party costs to consider (sometimes called disbursements). Your chosen Funeral Director will be able to explain these for you.

If you wish to attend the funeral, you should view the “Attended Funeral” price instead.

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Why is this price Estimated?

We work hard to ensure the Funeral Director Fees we display are accurate and up to date. However, unlike with our partners, we cannot guarantee this price is correct today.

Funeral Director fees

The price quoted contains the Funeral Director fees for a simple funeral. This includes:

  • Funeral Director fees for meetings, paperwork and running the funeral
  • Collection of the deceased and care prior to funeral
  • Hearse or appropriate vehicle for transport to the funeral
  • Basic coffin

The Funeral Director fees quoted do not include third party costs (often called disbursements). The Funeral Director will guide you through your options. These costs are:

  • Cremation or burial fees
  • Medical certificate for cremation
  • Clergy or officiant fee for conducting the ceremony

In addition to the disbursements you may want to discuss optional costs with your Funeral Director - these could include:

  • Funeral flowers
  • Memorial (venue hire, catering etc)
  • Memorial headstone
  • Orders of service
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Funeral Choice charity donation

To redeem the £20 charity donation all you have to do is select the charity from the dropdown list in the Make Contact form. Once you have confirmed arrangements with that funeral director send us an email to info@yourfuneralchoice.com confirming the service has been arranged. After we receive this email we will make the donation to the chosen charity and confirm back to you.

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