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Most applicants receive a decision the same day they apply. Our streamlined process and soft credit check allow us to provide quick approvals when families need support most.

No, we only perform a soft credit check that will not impact your credit score. We believe in maintaining your financial dignity during this sensitive time.

We charge a simple service fee with no interest charges: 4% for 3-month plans, 8% for 6-month plans. This transparent pricing structure means no compounding interest or hidden fees—just clear, predictable payments.

Yes, Lilypay works with funeral homes nationwide. We send payments directly to your chosen funeral home, making the process seamless for both you and the funeral director.