Zero interest. Zero undue burden.

Peace of Mind Is Within Reach

Just 4 easy installments.

Compassionate Financing Made Simple

At Lilypay, we understand how overwhelming life’s toughest moments can be, and we’re here to make things a little easier with financing that works for you. Our fee structure is simple, predictable, and designed to be more affordable than credit cards or traditional loans—offering clear terms without hidden surprises.

We provide flexible payment options tailored to your needs, with modest service charges and competitive late fees. Our goal is to help you access the funds you need without adding unnecessary financial strain during an already difficult time.

With Lilypay, you can trust that you’re choosing a fair, reliable, and budget-friendly solution to manage funeral and cemetery expenses.

Use our payment calculator below to explore your personalized pricing and see how Lilypay can help.

Our step by step process

How It Works

Step 1

Quick Application

Complete our quick, minimal-info application for fast approval—one less thing to worry about

Step 2

Fast Approval

Get quick approval to move forward with arrangements right away

Step 3

No Stress Arrangements

Plan a meaningful tribute with Lilypay covering initial costs, so you can focus on what matters

Step 4

Flexible Payments

Make 4 easy payments over 3 or 6 months with hassle-free automatic payments

Competitive and Transparent Pricing

Our fees are minimal compared to traditional credit card charges and life insurance assignment funding, ensuring you receive maximum flexibility without the added cost.

Initial Fee Structure

A nominal fee is included in the first installment, due at the time of purchase, keeping the process straightforward from the start.

Zero Interest Installments

We offer a 0% interest rate on all installments, providing a financial breath of relief as you plan ahead.

Late Fee Policy

To maintain fairness and promptness, a late fee is applied only 24 hours after a missed installment, allowing a grace period for unforeseen delays.

Transparent, affordable, and built for families in need

Smarter Funeral Financing: Lilypay vs. Credit & Loans

Families deserve a fair, predictable way to finance funeral costs. Unlike credit cards and loans, Lilypay has a simple, flat service fee—no compounding interest, no surprises. With clear terms and reasonable fixed late fees, families stay in control. See why more funeral homes trust Lilypay.

Features
Lilypay
Flexible Funeral Payment Options
Credit Cards/Loans
Personal funeral loans
Credit Check
Soft pull, no impact on score
Hard pull, may lower score
Interest Rate
No interest, flat ~8% service charge
Variable APR, often 15–30%
Loan Limits
Unlimited (based on funeral cost)
Typically capped at set limits
Approval Speed
Same day decision
May take days to approve
Late Fees
Fixed and reasonable
High and variable late fees
Repayment Terms
Predictable, fixed installments
Revolving credit, minimum payments increase debt