Flowers laid near a burial in a cemetery.

Funeral Loans

Funds to help you face a loss

If you're laying a loved one to rest, a personal loan could help you ease the burden in the toughest times. We offer funeral loans from $1,500 - $20,000.1

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This won’t affect your credit score.

What you get with every OneMain loan

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Loans that work for your budget

Fixed payments and clear, upfront terms.

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Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

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Support from start to finish

Real people in branches, on the phone and ready to help online.

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The money you need to honor a life lived

Coping with a loss is difficult enough without the added concern of funeral expenses. Whether you need help financing an end of life plan, memorial or sudden funeral costs, a personal loan could be the answer. Our loans can help you turn your attention away from financial worry during a difficult time.

See if you’re prequalified for a loan today.

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Checking won’t affect your credit score.

How does a funeral loan work?

A funeral loan is a personal loan, and can be used for almost any funeral-related expense. According to a recent study conducted by the National Funeral Directors Association, the average cost for a funeral is approximately $7,848.* Costs can vary depending on the services you select and the area where you live. Funeral loans can help you cover different aspects of funeral arrangements, such as funeral home services, transportation or travel costs, caskets, urns, gravesite plots and more.3

*“How much does a funeral cost in 2024?”,
USAToday.com. 24 Oct. 2023. Accessed 10 Apr. 2024.

Why should I choose OneMain?

Our dedicated personal loan specialists understand how difficult this time can be. That’s why we do our best to help you find a loan that fits your needs and budget in a timely manner. Plus, our loans feature a fixed interest rate and fixed monthly payments, making it easier for you to manage your budget.

And, we continue to stay by your side, giving you access to budget-building resources, free credit score tracking and savings tools.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

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Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

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Here are some more helpful resources on funeral loans:

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What Can I Do if I Can’t Afford a Funeral?

Read More
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How to Manage Funeral Costs

Read More
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Important Financial Steps After a Loved One Passes

Read More

Answers to common customer questions

A funeral loan can help cover expenses when funeral costs exceed savings, what life insurance will cover or what the family can pay upfront.

Our goal is to help relieve the burden of managing funeral costs, so we try to keep our loan requirements simple. Here are a few key things that can affect your eligibility:

  • Financial history
  • Credit history
  • Income and expenses
  • Loan purpose
  • Whether you have filed for bankruptcy
  • State of residence


You’ll need to be able to submit these documents before you close your loan (we may ask for more based on your unique situation):

  • A copy of a valid, government-issued ID (driver’s license or passport)
  • Proof of residence (driver’s license with current address, utility bill, or signed lease)
  • Proof of income (pay stubs or tax returns)


Still not sure about how to get a loan for funeral expenses? Call us at 844-859-5091.

If you’re concerned that less than perfect credit might affect your ability to get a funeral loan, you should know that we work with a wide range of customer credit scores and take your whole financial picture into account to help you find a loan that’s right for you. It’s important to note that other lenders may have different ways of evaluating applicants.

If you’re still unsure if you can get a personal loan for funeral expenses, you can start by seeing if you’re prequalified today. Checking for offers won’t affect your credit score.

Covering the costs of a funeral can sometimes trigger financial stress on top of emotional distress — but there are ways to cope with it. Here are some useful strategies on how to manage funeral costs, comparison shop and work with funeral homes to build an affordable plan that can help ensure finances won’t be on your mind during an emotional time.

More questions? Check out more FAQs.