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Funeral Loans with Nifty – What you need to know

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, one option is applying for a funeral loan.

One 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 learn more.

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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 a result of emergency occurrences, oftentimes, we see the need to seek 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

Taking a loan may help you ensure you don’t overspend your budget. In addition, contrary to when you have your mind wrapped on a potential financing option, you can 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 for Nifty loans is that we care about the little things. If you apply for funeral financing, we know times are tough, and 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 through Nifty?

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 from Nifty?

After applying for the needed funeral loan, all you have left to do is sit back and wait. 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. If you have an NPP enabled bank account, you can also receive your funds instantly after signing your contract.

What are the requirements before applying?

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.

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 too worried about this either. Not everyone has a clean, perfect 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 come in various different shapes and forms. Generally, they will include a different amount that can be used on different items. At Nifty, we keep things simple and just offer our three main loan products: Small amount loan, medium amount loans and large loans.

Are there any other options?

Before taking out a loan, it is always good to consider all your options. In regards to funerals, you can also explore the option to pay for the expenses using the deceased estate. There are various laws regarding how this must work, so one of the best people to speak to about this is the funeral home. They can advise you how this would work for them and what the process would be. Before making any decision, it always a good idea to seek independent legal and financial advice.

Decided that Nifty is still right for you?

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

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!


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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
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Loan amounts:
18 months, (78 weekly repayments)
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Medium Loan Example

$2,001 - $4,600

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$2,001 - $4,600
9 - 24 months
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Monthly Fee:
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Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
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Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
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Monthly Fee:
N / A *
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Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
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* 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.