How it Works

3 simple steps

Apply online or in your nominated funeral directors

  1. You can apply for funeral finance directly on this website by using the calculator on the homepage and clicking the continue button to take you step by step through an application.
    (You will need to provide funeral details, date, time, funeral director etc.…)
  2. Upon a successful application you will receive a text message and email, this contains your loan agreement as well as other important documents. If you are happy with everything in the loan agreement you can accept it via this email.
  3. Once you have accepted the agreement your funeral director is notified and the funeral balance is paid directly to your funeral director.
    You will receive your personal login account details to manage your loan and we are available to offer any support you may need. Leaving you to concentrate on the important things.


How do I repay my loan?

We will automatically collect the amount you owe on the day you promised to repay, using the debit card details you give us when you apply.

If you know that the funds are going to be unavailable on the repayment date, you must either extend your loan or contact us via email at

I have not received my email confirmation key.

If you have not yet received this email from us it is likely that it is in your spam/junk/bulk mail box. Please check in there for our email.
If you cannot see it there, it is possible that our email was blocked altogether. Try adding to your contacts list/address book.
Do not try to create a second account as this may cause you problems later on.  If the code still hasn't arrived, contact us at

Can I repay my loan using a credit card?

No –as a responsible lender we do not accept credit cards as a form of payment.

Are my personal details shared with any 3rd parties?

<p>Unlike other lenders, we do not transfer or sell your personal information any selected third parties other than in the normal course of business (see "Disclosure of Information" in our Privacy Policy). This means we do not pass your data to any lead generators, junk mail issuers, other loan providers, raving lunatics or anyone else you may be worried about. We do share data with credit reference agencies, fraud prevention agencies, and trusted suppliers in the course of operating our business. You can read our Privacy Policy (at the foot of our homepage) to understand exactly how your data may be used.</p>

Do you post any letters to my house?

<p>We will only ever send post to your house to try and contact you if we have been unsuccessful in contacting you through phone or email, and your loan is at least 10 days overdue. </p>

I've repaid my loan but it still appears as unpaid on my credit report!

It can take up to 40 days for changes to appear on your credit report.

What if I have a complaint?

We want you to be completely satisfied with our service. So if you aren't happy with our service, please tell us.
You can tell us about your concern by phone – 01394 617 595 or by writing to us at:

Funeral Safe Limited 

Unit 3, Alton Business Centre

Valley lane




When will my loan be paid?

Once a loan is approved, the money is transferred directly to your funeral director 5 days after the funeral has taken place. However your funeral director will be notified of pending payment and balance stand as cleared.

What happens if you cannot take the payment from my debit card?

  • If the transaction is declined by your bank when we attempt to collect your promised repayment, we will try to get in touch by email, phone and SMS.  As detailed in our Terms and Conditions we will then try to take payment for the full amount again the following day.
  • After this point you can only repay your loan by logging in and repaying in My Account.

My payment was declined but it should have gone through. What's going on?

We are trying to charge the debit card that you gave us when you applied for your Funeral Safe loan.

If this card has expired or been replaced you will need to upload the new details in My Account > My Info > Bank Details.

You should make sure there are sufficient funds in the account.

If the transaction is still not going through, the payment has been blocked by your bank because it does not match your usual spending habits.  Get in touch with your bank to unblock the card, then log in and repay the loan manually.

My circumstances have changed and now I can’t repay my loan back in full or as I agreed, what can I do?

You should repay as much of your balance as you can before or on your due date.  Failure to repay your loan will have an impact on your credit rating and you could incur further interest.  You should get in touch to make an alternative arrangement to repay the outstanding balance.

You can make a payment in full or in part at any time by logging into “My Account”, viewing the loan and following the instructions.

What checks do you make when I apply?

As a responsible lender, we make a number of checks on your financial health as part of the application process, in order to make sure that our customers can afford our loans.  These involve credit checks, identity check and verification of your income.

Still Got a Question?

You can email us direct at please be sure to include a subject in your email.