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Tribute Loans

Tribute Loans is a third-party lending program that allows funeral homes to offer families the option to apply for a personal loan to help cover funeral expenses.

The Tribute Loans program is available to those using a Tribute site with a Tribute Pay merchant account enrolled.

  • Applications can be completed online through your funeral home’s website.

  • The initial screening does not require a credit check.

  • Multiple lending partners review the application and may provide different loan offers.

  • If the applicant chooses an offer, they’ll complete the final loan application directly with the lender.

How Tribute Loans Works

  • Funds are paid directly to the applicant. Because these are personal loans, the lender disburses the approved loan amount to the applicant, not the funeral home.

  • Applicants are prompted to initiate an ACH transfer to the funeral home from their loan proceeds.

  • When a loan amount is paid to the funeral home via ACH transfer, a 4% admin fee is paid to Tribute.

Viewing Loan Status

Once an application is submitted, you can view a summary of the request and its status in TCO > Tribute Pay > Tribute Loans.

Because these are personal loans between the applicant and the lender, only high-level status information is available. If the applicant has questions, they should contact the lending partner directly.

Frequently Asked Questions

Can the loan be paid directly to the funeral home?
No. Because Tribute Loans are personal loans, lenders disburse funds directly to the applicant. The applicant then is prompted to transfer funds to the funeral home.

What interest rates and terms are offered?
Rates and terms vary by lender, financial standing, and requested amount. Each lender’s offer clearly outlines its terms and rates which are emailed directly to the applicant.

Where is Tribute Loans available?
Families can apply for Tribute Loans in all U.S. states except Connecticut. (This does not guarantee offers; no offers will be extended to Connecticut residents.)

What does it cost to use Tribute Loans?

  • For applicants: There is no cost to apply (other than the lender’s rates, which are disclosed in the offer).

  • For funeral homes: A 4% fee is paid to Tribute upon ACH transfer of loan funds from the applicant to the funeral home.

Does every application receive an offer?
No. Applications are reviewed by multiple lenders, and offers are made based on the applicant’s information and each lender’s assessment criteria.