How Our Funeral Loans Work

Paying for a funeral can feel overwhelming. Lilypay makes it easier with fast, affordable funeral loans. We help families cover funeral costs—without the stress.

Apply Now

Same Day

Decision Process

4-8%

Transparent Service Fee

No Impact

On Credit Score

3-6 Mo's

Flexible Terms

Your Journey with Lilypay

Follow the simple steps below to get the support you need

Apply Online

Complete our quick, secure application in under 3 minutes. We only ask for essential information to get you approved fast.

✓ Soft credit check only
✓ No impact on credit score
✓ Secure encryption

Get Approved

Receive your decision within hours, not days. Our streamlined approval process means you can move forward quickly.

✓ Same-day decisions
✓ High approval rates
✓ Instant notifications

Fund Your Service

We send payment directly to your funeral home or service provider. Focus on your family while we handle the finances.

✓ Direct payment to funeral home
✓ Payment process handled for you
✓ Service proceeds immediately

Easy Repayment

Choose your payment plan and let automatic payments handle the rest. 4 predictable, manageable payments.

✓ 4 total payments (1 immediate + 3 over your term)
✓ Automatic payments
✓ No early payment penalties

Calculate Your Payments

See exactly what your monthly payments would look like

Loan Details

Funeral Cost

Payment Plan

3 Months

Lower payments, faster payoff

6 Months

Higher payments, extended terms

Payment Breakdown

Funeral Cost: $8,000

Service Fee (4%): $640

Total Amount: $8,640

Monthly Payment

$2,880

3 payments of $2,880 each

Apply with These Terms

Transparent Pricing

No hidden fees, no surprises. Here's exactly what you'll pay.

Service Fee

4% or 8%

3-month / 6-month plans, no interest ever

✓ No compound interest
✓ No hidden charges
✓ Clear, predictable payments

Late Fees

$25

Fixed fee, 24-hour grace period

✓ 24-hour grace period
✓ Fixed, reasonable amount
✓ No escalating penalties

View Complete Installment Agreement →

Why Choose Lilypay?

See how we compare to traditional financing options

Feature	Lilypay	Credit Cards	Personal Loans
Interest Rate	✓ 0% Interest	✗ 15-30% APR	✗ 6-36% APR
Credit Check	✓ Soft Check Only	✗ Hard Inquiry	✗ Hard Inquiry
Approval Time	✓ Same Day	✗ Instant-Few Days	✗ 1-7 Days
Payment Terms	✓ 3-6 Months Fixed	✗ Revolving Credit	✗ 2-7 Years

Lilypay

Best Choice

Interest Rate ✓ 0% Interest

Credit Check ✓ Soft Check Only

Approval Time ✓ Same Day

Payment Terms ✓ 3-6 Months Fixed

Credit Cards

Interest Rate ✗ 15-30% APR

Credit Check ✗ Hard Inquiry

Approval Time ✗ Instant-Few Days

Payment Terms ✗ Revolving Credit

Personal Loans

Interest Rate ✗ 6-36% APR

Credit Check ✗ Hard Inquiry

Approval Time ✗ 1-7 Days

Payment Terms ✗ 2-7 Years

Ready to Get Started?

Apply now and get the compassionate support your family deserves during this difficult time.

Start Your Application

Most decisions made the same day • No impact on credit score