How it Works


Check how much you're eligible for online, with your funeral arranger or by phone on 0330 002 0875


1: Check how much your are eligible to borrow

Find out instantly if you are approved to apply and your estimated credit limit. Our eligibility checker does not affect your credit score.


2: Complete your application

Complete the simple application form to get a quick decision and get your tailored finance offer and documents.


3: Funeral costs covered

Funeral Safe make the payment directly to your Funeral home on your behalf. You will pay a fixed affordable monthly amount until your finance is paid back.





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 contact us via email at or call us on 0330 002 0875

I have not received my email confirmation key.

If you have not yet received this email from us, it is likely that the message in your spam/junk/bulk mailbox - please check in there for our email.

If you cannot see it in your spam mailbox, 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?

Unlike other lenders, we do not transfer or sell your personal information to 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 or anyone else you may be worried about. We do however 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 to understand exactly how your data may be used. 

Do you post any letters to my house?

We will send you a letter if your loan repayment has been missed, if you loan has entered arrears, if your loan has entered default and for your annual statement if you have chosen paper billing.

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. If you aren't happy with our service, please tell us.

You can contact us about your concern by phone – 0330 002 0875 or by writing to us at:

Funeral Safe Limited
Unit 3
Alton Business Centre
Valley Lane

Or by emailing us at

Our Complaints policy is available to view on this website.

When will my loan be paid?

Once a loan is approved, the money is transferred directly to your funeral director five days after the funeral has taken place. 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 text message. 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 will try to charge the debit card that you gave us when you applied for your Funeral Safe loan.

If this card has expired or has 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 may have 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 login 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 finances as part of the application process. This is to make sure that our customers can afford our loans. These involve credit checks, identity checks and verification of your income.

Still got a question?

You can email us directly at Please be sure to include a subject in your email. 

Covid - 19 Information

If you have been affected by the Coronavirus Pandemic / Covid - 19 and this affects your ability to pay your priority bills and subsequently your loan agreement with us you can contact us on 0330 002 0875 or and we will explain the options available to you in order to relieve financial stress at this time.