Funeral loans NZ – compassionate finance for funeral expenses
When a loved one passes, the last thing you want to stress about is how to pay for everything. Real Finance offers fast, flexible funeral loans so you can focus on celebrating a life, not juggling invoices.
Why choose a funeral loan with Real Finance?
60-minute conditional approval
Complete our 5-minute form and we’ll respond within the hour.
Tailored to your financial situation
Borrow only what you need, with weekly, fortnightly or monthly repayments that fit your budget.
Fixed interest for certainty
Annual rates 9.95% – 39.95% p.a.; know every repayment in advance.
100% online
E-Sign on your phone, tablet or laptop; no need to leave the family gathering.
Dedicated, caring team
Real people who understand this sensitive time and keep the credit-check process respectful.
What can a funeral loan cover?
- Funeral director fees & burial or cremation costs
- Caskets, urns, flowers, venue hire & catering
- Headstones, memorial plaques & service sheets
- Travel costs for wh?nau returning home
- Urgent household bills while insurance payouts clear
A funeral expenses loan lets you protect savings or insurance proceeds, then repay gradually once life settles.
Eligibility & required documents
- NZ driver licence or passport
- Three months’ bank statements (PDF/CSV)
- Proof of income – payslips, benefit statement or GST returns
- Invoice or quote from funeral director (if already received)
These documents help us confirm affordability and complete the credit check quickly.
How much will it cost?
Use our funeral-loan calculator to enter the amount and term. It updates instantly, showing principal, interest and fees up-front. You can repay extra or clear the balance early at any time; there’s no hefty penalty, just a flat $12 closure fee on full settlement.
Available loan amount
From $1,000 to $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Funeral loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“When our mum died, my family didn’t have access to enough funds to provide the type of funeral we wanted for her. We approached our previous lender, Real Finance, and with compassion and understanding, they provided a lending solution that allowed for us to do so, without adding more stress to an already awful time.”
Frequently asked questions
How fast are funds released?
Once approved and documents are in, money can be in your account the same day – often within two hours.
Can I get a loan if insurance will pay later?
Yes. A funeral loan bridges the gap until insurance or estate funds clear, then you can repay early with minimal cost.
Is collateral required?
Not for loans up to $20,000. Offering security can, however, unlock larger amounts or a lower rate.
What if my financial situation changes?
Contact us early. We can extend the term or arrange temporary interest-only payments to ease pressure.
Will applying hurt my credit score?
We run a standard credit check. A single enquiry has minimal impact; multiple recent applications elsewhere may lower your score.
We’re here to help
Have more questions about covering funeral costs, payout timing, or compassionate-payment plans? Contact our team for personalised support.
Ready for caring, fast funeral finance?
Apply online now or phone 0800 21 21 21 – Real Finance is here to help you handle funeral costs with compassion and speed.
