Funeral Financing Assistance
Flexible Payment Options for Families
At Arrangements By Celestina LLC, we understand that funeral and memorial expenses can place an unexpected financial burden on families. Our goal is to help families explore available options while making informed decisions with dignity, compassion, and transparency.
Third-Party Funeral Financing Available Through LilyPay
Qualified families may have access to third-party funeral financing through LilyPay.
Arrangements By Celestina LLC is not a lender and does not make credit decisions, approve financing, or guarantee approval. Financing applications, eligibility, terms, interest rates, payment schedules, and approvals are determined directly by LilyPay and its participating financial partners.
Our role is to assist families with understanding available funeral service options and, when appropriate, provide access to third-party financing resources.
How It Works
1. Schedule a consultation with Arrangements By Celestina LLC.
2. Discuss your funeral, cremation, memorial, or related service needs.
3. Receive information about available third-party financing options.
4. Complete the LilyPay financing application directly through the approved platform.
5. If approved, financing may be used toward eligible funeral-related expenses according to LilyPay's terms and participating provider requirements.
Important Disclosure
Arrangements By Celestina LLC provides funeral consulting, planning assistance, family support, and coordination services.
Arrangements By Celestina LLC is not a bank, lender, creditor, or financing company. We do not determine creditworthiness, financing approval, loan amounts, interest rates, or repayment terms.
Any financing offered through LilyPay is subject to separate application, approval, terms, conditions, and eligibility requirements established by LilyPay and/or its financial partners.
Financing is not guaranteed.
Services Financing May Help Cover
Depending on approval, provider participation, and financing terms, funds may potentially assist with eligible expenses such as:
Funeral or cremation services, burial-related expenses, memorial services, obituary preparation and printing, floral services, transportation, clergy or church-related services, cemetery expenses, and other approved funeral-related costs.
Not all services or vendors may qualify. Final eligibility is determined by the financing provider.
Need Help Getting Started?
If funeral expenses are creating financial concerns, you do not have to navigate the process alone.
Contact Arrangements By Celestina LLC to schedule a consultation and learn more about funeral planning options and available third-party financing resources.
LilyPay vs. Traditional Financing Options
1
A Fair, Predictable Way to Manage Funeral Expenses
Families deserve clear information when considering how to manage funeral expenses. Through LilyPay, qualified families may have access to a financing option designed around predictable costs and straightforward repayment. Unlike financing products that may use compounding interest, LilyPay uses a one-time flat service fee (finance charge). The fee is established at the beginning of the financing agreement and does not continue to grow over time.
FeatureLilyPayTypical Credit Cards / Personal Loans
* Credit Check to View Options Soft inquiry — does not affect your credit score
* Cost Structure One flat service fee — 4% or 8% of the amount financed — disclosed as an APR before signing
* Compounding interest; balances may grow over time
* Decision Speed - Most decisions are made the same day - Varies by lender
* Late Fee Fixed $25.00 - Varies by issuer
* Prepayment - No prepayment penalty; pay early at any time - Varies by issuer
What Makes LilyPay Different?
* Fixed & Predictable Costs
* Families know the financing cost before accepting the agreement.
* No Compounding
* The service fee does not continue accumulating over the life of the financing agreement.
* Fast Decisions
* Most applicants receive a decision the same day.
* No Penalty for Paying Early
* Approved borrowers may pay their balance early without a prepayment penalty.
Important: LilyPay does not claim that its APR is lower than the APR offered by typical credit cards or personal loans on an annualized basis. Financing terms, eligibility, fees, amounts, and approvals are established by LilyPay and are subject to change. Applicants should review their individual financing agreement carefully before accepting financing.
Third-Party Financing Disclosure
LilyPay is an independent third-party financing provider. Arrangements By Celestina LLC is not a lender, bank, creditor, loan broker, or financial institution.
Arrangements By Celestina LLC may provide families with information about available third-party financing resources; however, all applications, credit decisions, approvals, financing amounts, fees, APR disclosures, repayment terms, and other financing conditions are determined by LilyPay and/or its participating financial partners.
Financing is subject to eligibility and approval and is not guaranteed.
LilyPay financing terms, fees, programs, and eligibility requirements may change. Families should review the current disclosures and financing agreement provided directly by LilyPay before accepting financing.
2
Community Gardens
When Financing Alone Isn't Enough, Community Can Help
Funeral expenses can sometimes exceed what a family can comfortably manage. LilyPay's Community Gardens program provides another way for families to receive support by connecting them with relatives, friends, and compassionate members of the community who want to contribute toward funeral expenses.
How Community Gardens Helps
✓ Direct Financial Support
Donations are applied directly toward eligible LilyPay balances, helping reduce the family's remaining financial obligation.
✓ Personalized Memorial Pages
Families can create and share a personalized memorial page honoring the life and legacy of their loved one.
✓ Transparent & Secure Processing
Contributions are processed through LilyPay's platform, providing families and supporters with a centralized way to contribute.
✓ Community Support During Difficult Times
Family members, friends, coworkers, organizations, and members of the community can come together to help ease the financial burden associated with funeral expenses.
Important Donation Information
Contributions made through LilyPay Community Gardens are used to reduce eligible LilyPay balances and are not tax-deductible charitable donations.
Arrangements By Celestina LLC does not collect, process, hold, or distribute Community Gardens donations. The Community Gardens program is provided and administered by LilyPay.