Funeral directors often need part payment to cover third party costs, called disbursements, before the funeral can go ahead.
Some require full payment, while others are more flexible, particularly if you are waiting for a government funeral payment.
If there is a shortfall it may be necessary to enter into an arrangement with the funeral director. You can aim to pay the outstanding amount on a monthly basis or look at affordable loans and credit to pay the balance.
Did you know?
- When negotiating a repayment agreement with a funeral director it is important to make sure you can realistically afford the regular repayment amount.
- If you already have a plan and are struggling to make repayments contact Step Change for advice. Step Change can also advise you about any other debts you have, such as payday loans, catalogues and banks.
- If you need to take out a loan to pay for all or part of the funeral costs consider the following:
Government Budgeting Loans or a Budgeting Advance may be available if you are in receipt of an eligible benefit. The application process in Northern Ireland is slightly different Budgeting Loans (Northern Ireland) and Budgeting Advance (Northern Ireland).
- Credit unions can offer lower interest rates. Contact your local credit union for further information.
- When borrowing money from high street banks or loan companies get written confirmation of the total cost of the loan over the repayment lifetime, and the amount of your regular repayments.
Hints and tips
It may be worth entering into a payment plan whilst you are awaiting the result of an application to a charity, particularly if you are feeling under pressure from the funeral director.
Do you have 2 minutes to help us improve this service? Please take this very short survey.