Bereavement

Funeral costs loan

A funeral can cost £4,000–£9,000 and the bill typically arrives within days of the death. A Cash Train loan helps you give a dignified farewell without financial pressure.

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Unregulated lender • Apply online — decision in minutes

Typical costs

What does a funeral cost in the UK?

Basic funeral

£1,500–£3,500

Direct cremation or basic burial with no ceremony — the lowest-cost option.

Standard funeral

£3,500–£6,000

Full funeral director service, hearse, ceremony and either burial or cremation.

Full burial with headstone

£5,000–£9,000+

Grave plot, headstone, full service. Grave plots in some areas of London now exceed £10,000.

Wake & catering

£500–£2,500

Venue hire, catering and drinks. Often overlooked in initial planning.

Loan options

Choose the right amount

Whether you need to cover part of the bill or the majority of a standard service, we have a tier to fit.

Flex

£500–£2,000

3–12 months

Contribution to funeral costs, specific add-ons, or spreading a basic funeral bill.

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Plus

£2,000–£5,000

6–24 months

The majority of a standard funeral, or the full cost of a lower-budget service.

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The process

How it works

Apply online

Tell us how much you need and what it's for. No credit check at this stage — just your details.

Fast decision

Once we launch, we aim to give a decision quickly so you're not left waiting during an already difficult time.

Money to your account

Approved funds are sent directly to your bank account so you can pay the funeral director or other providers promptly.

Common questions

Funeral loan FAQs

Yes — the Funeral Expenses Payment from DWP covers a fixed contribution if you're on certain benefits. It won't cover everything but it helps. Check gov.uk before taking any loan.

Legally, whoever arranges the funeral is responsible for paying. If the deceased had savings or estate funds, these can be used — but the bank may freeze accounts until probate is granted.

If you're administering an estate, estate funds can be used to repay borrowing taken on behalf of the deceased. Speak to a solicitor about the right process.

Your local council has a duty to arrange a simple burial or cremation for those who cannot afford one. It's a last resort, but it exists. Citizens Advice can advise on the process.