Funeral Home Financing & Lending Options


Funeral Home Financing & Lending Options

Funeral homes and cemeteries can now offer better payment options for families at the time of need. Our funeral home financing solution gives families flexible low monthly payment options, while funeral homes are paid directly within a few days. We’re proud to offer the only financing solution for funeral homes exclusively endorsed by the National Funeral Directors Association (NFDA) and 12 state associations. Request a demo today to learn how we can help you serve more family clients.


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Benefits of Funeral Home Financing & Lending
with LendingUSA

Grow Your Business

Grow Your Business

With more ways to pay, your funeral home customers can better afford funeral necessities, allowing you to grow your business while offering the best services for your customers.

Get Paid Faster

Get Paid Faster

Receive your payment upfront and faster with direct funding to your business within a few days—we assume the risk of default.

Pre-Approvals in Seconds

Pre-Approvals in Seconds

With a 24/7 online interface, your clients can apply online anytime and receive a pre-approval decision within seconds.

How LendingUSA Works

How LendingUSA Works


There's no cost to get started. Sign up today and get access to your online financing portal, along with one-on-one onboarding and training with your dedicated account manager.



With LendingUSA, you have the power to offer financing to any of your clients with a process that takes only a few minutes.



Because we fund your business directly in a matter of days, you can turn your attention toward attracting new customers that may have not been willing or able to pay for services without a financing option.


At-Need Financing for Funeral Homes

Financing for Funeral Homes & Cemeteries

Funeral home loans, or funeral financing, is a wonderful way to provide families in need with the services they want while also boosting business at your funeral home. At need funeral financing allows families to pay for funeral services in manageable, monthly payments rather than out of pocket. By providing an alternative to upfront payment and credit cards, you can help more families properly honor their loved ones.

Do funeral homes offer financing?

Yes, many, but not all, funeral homes offer third-party financing through LendingUSA merchant services. Funerals and other associated costs can add up quickly, especially in cases of unexpected or sudden death. Managing these expenses can add stress to an already difficult time, often forcing families to weigh cost against their own preferences or their loved one’s last wishes. By offering a financing option to your families, you can communicate that you’re sensitive to their needs and set yourself apart from your competition.

How can I offer financing at my funeral home?

Although it may seem like an overwhelming process, offering funeral financing through LendingUSA merchant services is actually fairly simple! It’s free to enroll, and once you do, you can offer financing to every family who comes through your door. Your business is funded within just a few days of your customer signing their loan agreement, and your customer repays the loan in manageable monthly installments.

What is point-of-sale financing for funeral homes?

Funeral home lending is a way to give families an additional option for paying for their preferred services beyond paying in full and up front with cash or using a credit card. Point-of-sale financing works like an unsecured auto loan or any other type of consumer loan. Your business is funded directly by our lender, so your bottom line won’t be negatively affected. In fact, it’s likely that you’ll see your profits expand as your families feel more empowered to make the purchases they want.

How can I qualify customers for funeral home financing?

Qualifying your families for funeral financing is fairly straightforward. There’s no need to put your employees through intensive financial training. However, it is helpful to train them on the basic features of the loan so that they can answer any simple questions that a family may have. As for credit approval, a favorable credit history may keep their interest fees low, but poor credit is not an automatic disqualification for funeral financing. A family interested in securing financing must fill out an application through the LendingUSA merchant or online portal. If pre-approved, they may receive multiple loan offers so they can choose the one that works best for them.

What are the benefits of point-of-sale financing for my funeral home?

There are an array of benefits to choosing LendingUSA for your funeral home financing. We offer point-of-sale promotional options, like no interest if the principal balance on a loan is fully paid within six months. Our advanced technology also offers each applicant with an on-the-spot prequalification decision that doesn’t affect their credit scores. Best of all, your funeral home can receive funding within just a few days of your customer signing their contract.

Why offer payment plans for funerals?

As you know, funeral services can add up quickly, especially in the case of an unanticipated or sudden loss. Many people simply don’t have the thousands of dollars in disposable income available to spend on funeral services. At need funeral financing through LendingUSA offers a simple, straightforward, and safe alternative to full cash payments or credit card payments. Once your families discover point-of-sale funeral financing, they won’t need to sacrifice their wishes or the wishes of their loved one by settling for services they don’t really want.

Grow your funeral home with LendingUSA.
Let us show you how financing can help your funeral home.
Try a free demo today and find out how it works.

Related Industries We Serve

We provide point-of-sale financing for a variety of niche industries:

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