Looking for Funeral Loans?

A Beforepay Personal Loan can help ease the financial stress of losing a loved one, so you can focus on the important things.

Illustration of funeral expenses with a dove and dollar icons.

Understanding Your Options for Funeral Costs

There are times when you may need access to money to cover an expense, whether it’s something unexpected or a cost that’s come up sooner than planned.

Funeral expenses often arise with little notice, and they can come at a time when you’re already dealing with a lot emotionally. Making arrangements quickly can make it harder to plan financially or compare different options.

Costs can include services, burial or cremation, and other related expenses. These can vary depending on the choices you make, but they’re often required within a short timeframe.

Some people choose simpler arrangements to manage costs, while others look into payment options or financial support that may be available. In some cases, there may also be assistance depending on your circumstances.

When decisions need to be made quickly, it can help to focus on what feels manageable both now and in the weeks ahead. Taking the time to understand the total cost and any commitments involved can help reduce additional stress during an already difficult time.

Choosing an option that fits within your situation, and allows you to manage expenses without added pressure, can make a challenging period a little more manageable.

ACTUAL REAL PEOPLE

Supporting You Through

Borrow up to $5000 with a Beforepay Personal Loan to cover anything from end-of-life care and funeral arrangements to solicitor fees, counselling services, and more.

Super-Fast Approvals

Once approved, funds are transferred to your bank account in minutes, ready to pay for whatever you need, whenever you need.

Transparent Fees

All fees and interest payments are shown upfront, before you accept the loan. There are absolutely zero hidden costs.

Clear Repayments

Know exactly when each payment is due and how much needs to be paid with simple repayment schedules, helping you stay on top of your finances.
PERSONAL LOANS

Plan bigger with confidence

Whether you’re covering a larger expense or planning ahead, Personal Loans give you clear repayments and flexible terms designed around your budget.

LONG TERM

Beforepay Personal Loan

Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.

Borrow $2,001–$5,000†
3-12 month terms§
Competitive interest rate‡
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No hidden fees ever
BEST FOR
Car repairs, medical bills, moving costs, travel, or any larger purchases you want to pay off over time.

How it works

A fast loan is only 3 steps away.

Create your account

Getting started is simple - sign up online or download the Beforepay app.

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Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

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Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000.  Eligibility criteria applies.

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Create your account

Getting started is simple - sign up online or download the Beforepay app.

Step 1 yellow graphic

Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

Step 2 yellow graphic

Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000.  Eligibility criteria applies.

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ACTUAL REAL PEOPLE

Common Questions

Transparent answers for confident borrowing.

Are funeral costs paid straight away?

Many funeral services require payment within a short period, depending on the provider.

Why are funeral costs difficult to plan for?

Funeral expenses often arise unexpectedly and need to be arranged within a short timeframe, making planning more challenging.

What options are available for covering funeral costs?

Some people look at simpler arrangements, payment options, or available support depending on their situation.

What should I consider when making arrangements?

It’s important to understand the total cost and choose something that fits within your financial situation.

How can I make decisions during a stressful time?

Focusing on what’s manageable and taking time to understand your options can help reduce additional pressure.

ACTUAL REAL PEOPLE

Chosen by Over 1.7M Aussies

Plan, track, compare, and save with Beforepay’s free finance tools.

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Very good

Very good, helps my financial shortage

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May 7, 2026
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Very easy app to use and the money…

Very easy app to use and the money transfers to you very quickly

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May 7, 2026
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Easy and useful when you need it

Easy and useful when you need it

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Amazing service

Amazing service

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May 6, 2026
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Quick and efficient

Quick and efficient, very helpful

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May 6, 2026
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It’s very easy and convenient for when…

It’s very easy and convenient for when you need extra funds before your pay.

ANNA J.
May 5, 2026
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Has always helped us out

I like how the give you a minimum payment and different options to is the money back

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May 5, 2026
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Helpful in time of need

Helpful in time of need Awesome

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May 4, 2026
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Very helpful and fast in transferring…

Very helpful and fast in transferring money into my account.

Carla
May 2, 2026
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Payments have been a lot of…

Payments have been a lot of help....easy and simple instuctions to follow, week to week repayments make it easy on the current high living costs.I have recommended to many family n friends whom all are thankfull for the small %interest incurred. Great job BeforePay team...thank you with 5 stars of happiness.

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May 1, 2026
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Good experience for more than 1 year

Good experience for more than 1 year

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April 30, 2026
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Easy and fast service

Doing well and fast

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April 30, 2026
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Excellent service

Excellent service

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April 30, 2026
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Easy quick no hassles and low fees.

Easy quick no hassles and low fees.

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April 30, 2026
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Great support financially.

Great support financially.

Narelle
April 30, 2026
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They seem to help out when I need most…

They seem to help out when I need most it's not much I get from them but it's something I guess it's be better if he had places like this but they let you borrow up to $5000

Kyal
April 30, 2026
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Very helpful quick responses

Very helpful quick responses

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April 29, 2026
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Before pay I can't they are shit wouldn't listen to me when someone took my phone and made the last transaction on my account and why being mentally ill

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April 29, 2026
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Very fast and helpful

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April 29, 2026
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April 28, 2026
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Great service & help when needed.

Great service & help when needed.

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April 28, 2026
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Very helpful

Very helpful

Filomena
April 28, 2026
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Very seamless

Very seamless. I downloaded the app, logged in and in under 5min, the money was in my account. Thank you!

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April 28, 2026
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Service was good

Service was good

LEO'S GRADER HIRE PTY LTD
April 28, 2026
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Fast deposit

Fast deposit

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April 27, 2026
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Very handy when your struggling financially

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April 27, 2026
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Fantastic company!

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April 27, 2026
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Quick and easy financial solutions

Quick and easy financial solutions

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April 27, 2026
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Unbelievable helped out in a time of…

Unbelievable helped out in a time of need

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April 26, 2026
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April 26, 2026
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Eligibility

Borrowing that fits your life.

We check your income and expenses to make sure repayments fit your budget,  with clear terms and no surprises.

Learn more
Be an Australian resident aged 18 or older.
Have a current Australian driver’s licence, passport, or Medicare card.
Maintain employment and receive a regular wage.
Less than 51% of your income comes from Centrelink.
Have no other active Beforepay loans.
You pass our credit assessment.
Awards

Our Awards & Recognition

There’s a reason why we’re Australia’s leading ethical leader.

Best Online Customer Service Innovation 2024
Best Online Customer Service Innovation 2024
Finder Innovation Awards

Recognising the positive impact of AI-enhanced processes and automation on the quality and satisfaction of customer interactions.

Ethical Lender of the Year
Ethical Lender of the Year
FinTech Awards 2023

Recognised for our unwavering commitment to customer-focused, ethical lending that prioritises and supports financial wellbeing.

Most Innovative Ethical Lender of the Year 2024
Most Innovative Ethical Lender of the Year 2024
APAC Australian Enterprise Awards 2024

Recognised for the ethical product design principles and lending safeguards that form the foundation of Beforepay’s innovative credit assessment technology.

 Best Ethical-Lending FinTech 2024
Best Ethical-Lending FinTech 2024
APAC Australian Enterprise Awards 2024

Recognised for the seamless integration of ethical lending principles, technological innovation, and sustainable growth into our customer-focused lending process.

Best App-Based Lending Company 2023 - Australia
Best App-Based Lending Company 2023 - Australia
APAC Business Awards

Recognised for the simplicity and convenience of the Beforepay app and its beneficial impact for our customers.

Ethical Consumer Lender of the Year
Ethical Consumer Lender of the Year
Australian Enterprise Awards 2025

Recognised for our leading commitment to safe lending practices, fee transparency, and inclusive access to fair finance.

Tech Female Leader of the Year
Tech Female Leader of the Year
Tech Fast 50

Beforepay CTO, Rajini Carpenter, recognised for her commitment to building innovative systems, championing inclusion and diversity, and inspiring more women to enter the tech space.

Financial Services Category
Financial Services Category
Australian Growth Company Awards

Recognised for our success in providing inclusive access to safe, short-term finance to more working Australians, supporting them when they need it most.

AI Tech Innovation Award 2026
AI Tech Innovation Award 2026
Australian Enterprise Awards

Recognised for the application of advanced AI and machine learning technologies into a human-focused credit assessment process.

Best Ethical Lender 2026
Best Ethical Lender 2026
Australian Enterprise Awards

Recognised for our relentless dedication to data-driven, ethical lending practices and product development that puts our customers first.

Consumer Lending: Overall Digital Lending Product of the Year
Consumer Lending: Overall Digital Lending Product of the Year
FinTech Breakthrough Awards

Recognised for our proprietary advanced credit risk technology, commitment to transparency, and built-in lending safeguards.

Fintech - Ethical Lender of the Year Australia
Fintech - Ethical Lender of the Year Australia
Pan Finance Awards 2023

Recognised for our foundational ethical lending practices that prioritise the financial wellbeing of our customers.

Beforepay
PAY ADVANCE
Personal Loans
From smaller short-term costs to bigger planned expenses.
Help with bills, groceries or unexpected expenses before payday.
For larger expenses like car repairs, travel or home essentials.
Get Started
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Applications are typically approved in under 60 seconds, though some applications may require additional review.

† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

‡ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.