Client Financing for Pre-Need Funeral Plans: Secure Future Services Today
Last updated 08/12/2025 by
Ante MazalinEdited by
Andrew LathamSummary:
Pre-need funeral plans allow families to arrange and pay for services in advance, locking in today’s prices and reducing emotional stress later. By offering point-of-sale (POS) financing through SuperMoney, funeral homes can help clients secure these plans affordably, while receiving full payment upfront.
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Offer your clients flexible financing. No fees or discount rates.
Why Pre-Need Funeral Plans Benefit from Financing Options
Pre-need arrangements are designed to relieve loved ones of both decision-making and financial burdens at the time of passing. However, the cost of a complete pre-need plan — which may include burial, cremation, memorial services, and merchandise — can still reach $8,000–$12,000. Offering financing makes it easier for clients to commit now, ensuring they lock in current pricing before costs rise.
Benefits of POS Financing for Pre-Need Plans
- Immediate payment to your funeral home: Receive the full plan value in 1–2 business days.
- No repayment risk: The lender manages all collections and credit risk.
- Affordability for clients: Monthly payments fit more budgets, encouraging plan adoption.
- Price lock advantage: Clients can secure today’s rates even if services are years away.
POS Financing vs In-House Payment Plans
| Feature | In-House Payment Plan | POS Financing with SuperMoney |
|---|---|---|
| Upfront Payment to Funeral Home | No | Yes |
| Risk of Non-Payment | High | None |
| Administrative Burden | Ongoing billing and tracking | Handled entirely by financing provider |
| Client Accessibility | Restricted by your terms | Loans up to $100k, all credit types considered |
Example: Financing a Pre-Need Plan
A client chooses a $9,000 pre-need funeral package including:
- Traditional funeral service with visitation
- Casket and burial plot
- Memorial program and floral arrangements
| Plan Term | Estimated Monthly Payment* |
|---|---|
| 12 months | $750 |
| 24 months | $375 |
| 36 months | $250 |
*Actual terms vary based on lender and client credit profile.
Industry Insight: Pre-Need Growth Trends
According to NFDA data, interest in pre-need plans is increasing as consumers become more cost-conscious and proactive about end-of-life planning. Financing options remove barriers to entry, enabling funeral homes to close more pre-need sales.
SuperMoney’s Advantages for Pre-Need Providers
- No-fee POS program for providers
- Fast onboarding — begin offering financing within 1–2 business days
- Loan amounts up to $100,000 to cover comprehensive plans
- Approvals for all credit tiers to serve more clients
- Seamless digital application for quick approvals
How to Offer POS Financing
- Sign up: Join the SuperMoney POS program at supermoney.com/point-of-sale-financing.
- Integrate: Add financing options to your marketing materials and consultation scripts.
- Introduce early: Present payment options at the start of every pre-need discussion.
- Launch quickly: Begin offering financing as soon as your account is active — typically in 1–2 business days.
See also How to Offer Financing as a Funeral Service Provider for a full setup guide.
Ready to grow your pre-need plan sales?
With SuperMoney’s Funeral Service Financing Solutions, your funeral home gets paid in full, while clients secure meaningful arrangements without financial strain.
Explore More Funeral Service Financing Insights
- POS Financing for Burial Services – Help families afford traditional funerals without financial compromise.
- Client Financing Solutions for Funeral Services – See how flexible payments grow your business.
- POS Financing for Cremation Services – Make cremation more affordable for clients without delaying arrangements.
Key Takeaways
- Pre-need plans lock in today’s rates and relieve future emotional and financial stress.
- POS financing pays providers upfront and removes repayment risk.
- Financing makes higher-value plans more accessible to clients.
- Offering payment flexibility increases close rates for pre-need sales.
FAQs
Do clients often finance pre-need plans?
Yes. Many prefer affordable monthly payments rather than a large lump sum, especially when planning years in advance.
How quickly will we be paid?
With SuperMoney POS financing, providers typically receive full payment in 1–2 business days.
Can clients with low credit scores be approved?
Yes. SuperMoney’s lending partners work with all credit tiers to maximize approvals.
Can all pre-need expenses be financed?
Yes. Caskets, memorial services, cemetery fees, and merchandise can all be included in the financed amount.
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