Take A Weight Off Your Shoulders With Nifty Funeral Loans

funeral loans

We know losing a loved one can be traumatic. However, the sudden realisation of the staggering funeral costs to come can add a burden to an already traumatic time.

Since funerals are often something we’re all unprepared for, financing them can be difficult. Hence, you may need assistance with funeral costs. To cover the costs without having to break the bank in the process, consider applying for a funeral loan.

A great place to turn to for a funeral loan is Nifty Personal Loans. We will tell you all you need to know about how to apply for them, the eligibility requirements and how to repay them. Read on to discover how to pay for funeral costs with no money on you.

All you need to know about funeral loans

You may ask yourself, “can I get help with funeral costs on the internet?” The answer is yes! Funeral loans are personal loans given by money lenders, like Nifty Loans.

From offsetting a medical bill to settling an emergency financial need, you can apply for a personal loan for a lot of reasons. Before you start to worry about having to deal with lenders and lengthy application forms on top of everything else, take a breath. We’ll walk you through the process of applying for one with Nifty Personal Loans, one of the best short-term lenders for Aussies.

Can I finance a funeral?

The short answer is yes. A breakdown of funeral costs might include headstone-making, cremation or burial, cost of using the funeral home and the actual funeral services. That can be a lot to cover.

As is with all personal loans, there are a number of ways you could look at getting a funeral loan. They are usually offered by credit unions, banks, and online lenders. However, apart from the latter, you can tell the process of getting one can be difficult.

Here at Nifty, we aim to make your lending experience as easy as possible, this is why our application is 100% online! Removing the need for long lines, endless paperwork and face-to-face appointments.

Why you may need help with funeral costs

Since most funerals are as a result of emergency occurrences, oftentimes, we see the need to seek for financial help to cover the costs. Here are a few reasons why you may see the need to seek for financial assistance before and during a funeral.

Minimize stress

It is understandable that you are at a point where you need to take things really easy so you do not add stress to grief. These two abstracts are great villains that shouldn’t go together. While coping with the loss of a loved one, the last thing you may want to think about is how you can finance the funeral. Nifty can take this weight off your shoulders with stress-free financing options.

Financial flexibility

Anyone who has to pay for a funeral has to be really buoyant financially. How about if you aren’t? According to ASIC’s MoneySmart site, the overall cost of a funeral can range from $4,000 to $15,000 depending on the type of service. Deciding to take a funeral loan can help you spread the funeral cost over a period of time. You don’t have to cough everything out at once.

Paying by instalments can help spread the cost and help you budget within your means so that you can be sure that you have enough funds.

Helps you spend within a budget

It’s a no-brainer that taking a loan helps you ensure you don’t overspend your budget.

In addition, contrary to when you have your mind wrapped on a potential financing option, you’re rest assured that there are enough funds to cover the costs of a funeral.

Why choose Nifty Personal Loans?

One of the best things about applying with Nifty loans is that we care about the little things. If you apply for funeral financing, we know times are tough, and we we want to give you a hassle-free finance experience. If you receive Centrelink, or have bad credit, don’t worry, you’re welcome to apply for the finance you need.

We want to make everything as easy as possible. So, you can complete an application in just a few minutes.

As earlier mentioned, our services are completely online and we have responsive customer support as well. This means you do not need to take a cab to a physical office before obtaining a loan.

You can apply for a loan from the comfort of your home with a coffee in hand. All you need is a device and an internet connection, and you can apply with the finance you need, without any hassle.

Shortly after applying, your application will undergo the review process and we’ll get back to you ASAP.

When can I apply for funeral loans?

At Nifty Personal Loans, it doesn’t really matter when. Whenever you see the need for either funeral home loans and other personal loans, all you’ll need is an internet-enabled computer system or smartphone. All this is achievable in the comfort of your sofa and that’s all!

As we are 100% online, you are welcome to submit an application whenever and wherever suits you. Just keep in mind that this application will only be reviewed during business hours.

How Long Does it Take to get a funeral Loan?

After applying for the needed funeral loan, all you have left to do is sit back and relax. Once your application has been submitted, our team will conduct a full income and expenditure assessment to determine whether the loan is suitable.

During business hours, we will aim to provide an outcome within 60 minutes. If approved, you’ll receive a loan contract electronically. Simply review, and if you’re happy with the offer, sign wherever applicable. The contract will be sent back automatically once it has been completed.

Access to funds is subject to inter-bank transfer times, most clients receive their money later inter the afternoon or over-night at the latest.

What are the requirements for approval?

Firstly, one of the basic requirements for getting approval with Nifty is that you must be 18 or above. Furthermore, you must be a citizen or a permanent resident of Australia.

In addition, if your demographics satisfy the above, then, during your application process, you’d need to supply the following:

  • Contact details (Mobile number and email;
  • Your reason for applying for the loan;
  • Internet bank login details;
  • MyGov login details (If applicable)

Do you have to pay for a funeral loan upfront?

Not at all! We will space out your repayments over a time period that will suit you. Loan specialists at Nifty can debit you automatically according to the pay cycle you’ve set up. Remember, Nifty will do a credit check as part of your loan assessment. We’ll look at this, as well as how you currently make and spend your money, to create a complete picture of your current finances. This is so that we can both meet regulatory requirements and ensure that we’re acting in your best interest. By that, we mean not issuing loans you can’t afford to pay back. Take a look at what your loan could cost, here.

Is it possible to get funeral loans even with bad credit?

Are you concerned about your seemingly unfavourable credit rating? You shouldn’t fuss over it, because, Nifty isn’t worried about this either.

Not everyone has a clean, non-solvent financial record. Most Aussies, at one point in time, have been in a similar position.

We do not base our assessment solely on a client’s credit score, we look at the overall picture, this is why you supply your bank statements. Each applicant has a fair chance of getting out of the red, irrespective of whether you have a clean bill of financial health or not.

How are funeral loans repaid?

With Nifty, repaying funeral loans couldn’t be easier. Simply put, you own the control key when it comes to paying back!

Before we issue a loan, we send each client a contract which outlines repayment terms so that they know what to pay – and when! You’ll be able to line up your repayments with your pay schedule and select a repayment cycle that debits your bank account weekly, fortnightly or monthly.

Once your loan repayments are automatically-set according to your pay cycle, all you will need do is keep enough cash in your bank account to cover repayments so that you avoid extra charges in form of default fees. After your repayment cycle is over, deductions stop automatically.

However, if you see you are financially incapable of making your next payment, make sure you contact us so that we can work together with a solution. We’re pretty “Nifty,” aren’t we?

Funeral loan packages and how they work

Funeral loan packages are of three subcategories at Nifty Personal Loans: Small Loans, Medium Loans, and Large Loans. Of course, the larger the loan, the longer the period of repayment. Head over to our Costs page for detailed information regarding our different loan types.

How to get a loan for a funeral

Personal loans may be used to cover unexpected expenses such as funeral costs. With Nifty, you have a really easy way to apply for a personal loan so you can cover the cost of a funeral stress-free!

To get started, simply click the ‘apply’ button. Provided you apply during regular working hours, you could have an outcome in just 60 minutes.

Remember, lending terms and conditions apply.

Like what Nifty offers? Apply for a loan with us now!

Let Nifty tell you a little more about how bank loans work.

Who can apply?

18 Years and Older Can Apply For Loans

You're at least 18 years old

Personal Loans Australia

You're an Australian Citizen or Permanent Resident.

Emergency Cash Loans When Earning an Income For More Than 3 Months

You've been receiving a regular income into a personal bank account for at least 3 months.

Our Money Lenders Will Be In Contact

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

Quick Small Loans - Borrow Money Now
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
APR:N / A *
Comparison Rate:138.37%**

Small Loan Example

Loan amount:$1,000
Terms:6 Months,
(24 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$60.00

Medium Loans

$2,001 - $4,600

Medium Loans In An Hour Once Approval Has Been Confirmed
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
Monthly Fee:$0
Comparison Rate:65.86%**

Medium Loan Example

Loan amount:$2,500
Terms:24 Months,
(104 weekly repayments)
Establishment fee:$400
Total other fees:$1,609.44 (reducing interest)
Total payable:$4,509.44
Weekly installments:$43.36

Large Loans


Get Fast Money Today - Small to Big Cash Loans
Loan amount:$5,000
Terms:13 - 24 months
Establishment fee:Variable
Monthly Fee:$0
Comparison Rate:48%**

Large Loan Example

Loan amounts:$5,000
Terms:18 months,
(78 weekly repayments)
Total Interest:$1,897.54
Total payable:$6,897.54
Weekly installments:$88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Who we've helped

Fast Cash Loans Australia With A Good Reputation
Nifty Peronal Loans Customer Reviews

Awesome Company

"Excellent and very professional. Very happy with the service. Great Company to deal with. Fast and very efficient too. Thank you."

- Vanessa Peach


Types of loans