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I Can't Afford To Pay For Funeral Expenses: Where Can I Get Emergency Cash To Pay For A Funeral?

By Edited Nov 13, 2013 0 0

Emergency Cash To Cover Funeral Expenses

Trying to raise emergency cash to pay for funeral expenses for a loved one is the last thing you will want to have to do.  If your loved one doesn't already have a life insurance policy that covers burial or a savings that is enough to cover funeral expenses, you do have some options in terms of raising the emergency cash you need for a decent burial or at least finding a good solution to make sure your loved one's body is properly taken care of. 

If you are reading this and no one has passed on, the best way to prepare for a funeral for a loved one is to either take out a guaranteed life insurance policy, enough to cover funeral expenses, or start a savings plan to cover funeral expenses.  According to the National Funeral Director's Association, as of 2012, the average cost of a funeral with a casket is is approximately $7,800.  This means you should have at least $8,000 to $9,000 saved just to cover funeral expenses with a casket.  Funeral expenses without a casket run about $4,500. You want to make sure your loved ones are burried in accordance with their personal or religious beliefs so cremation may not be an option in most cases.

If you are now in an emergent situation and a loved one has passed whether unexpectedly or the death was impending but you thought  the finances were there to cover but found that you are now short, there are a few things you can do.


Take Out An Emergency Cash Loan

Apply for an emergency cash loan or a guaranteed approval personal loan.  You may have to take out two guaranteed approval personal loans depending on how much the funeral costa are. However, payday loans and guaranteed approval personal loans are the fastest ways to get money without too much credit hassle.


Ask Friends And Family To Donate

You may have to get on the phone and call around to friends and family to let them know that you are in desperate need of financial help to bury your loved one.  Give them a list of costs and ask them how much they can donate to help you with the burial.  You can do this by phone or you can send a letter.  You can also go to your local bank to set up a trust in the name of the deceased or the person responsible for the funeral arrangements that friends and family can send their checks.


Talk With The Funeral Director/Printers/To Delay Billing So You Can Raise The Funds

Talk with everyone involved in the funeral and see if you can get a payment arrangement with all of them.  If you belong to a Church, Mosque or other religious establishment, talk to the minister to see if he can perform the service, help with the burial and set you up on a payment arrangement.  Many Churches and other religious organizations help with food and rent, you can ask if they may be able to assist you with a proper burial of your loved one.


Host A Charity Benefit For Friends And Family To Raise Money To Pay For The Funeral

Often, people don't like to just give away money, especially those who already find it hard to come by.  However, they may be more willing to give money to attend a charity benefit in that person's honor. Sell tickets ahead of time and also take up a collection at the benefit itself.  The benefit could include dinner, and personal stories about how this person has influenced your life.  It could be a benefit/tribute, however, it's a good way to raise money quickly to pay for funeral expenses.


As The Government For Help

If you just can't afford to have your loved one buried or cremated and you can't get anyone else to help you.  Then you have to contact the coroner's office in your county. In this case, you will have to sign a release form that states that you cannot afford to bury your family member. The county will then take on this burden. Each county has different requirements and different procedures so you will have to check with the local coroner's office in your county.


Prepare Now So You Will Have Money For Funeral Expenses

Again, it is imperative that you plan for funeral expenses.  If you are faced with planning an unexpected funeral now, you know from experience that you will need to be proactive and plan for other funeral expenses for yourself and your family members. No one likes to think about their own mortality or the mortality of their loved ones, but the plain fact is, death is a part of life and it is something you should plan for so that others are not left holding the financial burden.



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