How long does it take to receive an Inheritance Advance?

You can normally receive an Inheritance Advance within a few days, sometimes within 48 hours of approval, depending on how quickly your application is processed.

This is significantly quicker than receiving your inheritance, which can take 6-12 months or longer, depending on how long the probate process is.

At Provira, we know that this wait can feel frustrating, especially if you need financial support during an already difficult time.

Luckily, our Inheritance Advance exists for exactly this reason.

All you have to do is apply online and our compassionate team will talk you through the process. Once approved, you can access up to 50% of your future inheritance within days. 

We only charge simple interest, not compound interest. And once the Advance is in your bank account, you can use it for whatever you want!

To lock in your Advance, start your application here.

What is an Inheritance Advance used for?

An Inheritance Advance is used to give beneficiaries early access to the inheritance money they will be receiving in the near future. 

In the UK, inheritance is only paid out once probate has been completed. This means that even if you know you’re entitled to the money, you may not be able to access it for up to a year. An Inheritance Advance exists to bridge that gap.

Instead of waiting for the estate to be finalised and for the probate process to end, with an Inheritance Advance you can unlock up to 50% of your inheritance early. For many people, this can be a huge financial lifeline at an already difficult time.

Why do people need an Inheritance Advance?

People need an Inheritance Advance because they need access to their future inheritance sooner. 

The truth is, receiving an inheritance can be a blessing, but it is often tied to a difficult time in your personal life. Alongside dealing with loss, many beneficiaries find themselves having to understand a complicated legal process that can feel slow and overwhelming. 

The problem is, probate can be very time consuming, and life doesn’t just pause.

Bills still need to be paid, financial commitments continue, and in some cases, beneficiaries will also have to pay out for funeral costs and legal fees. 

This is why many people look into an Inheritance Advance. 

Some reasons we see people apply for one include:

• Covering everyday living costs during probate
• Paying for funeral or estate-related expenses
• Helping family members financially
• Relieving some financial strain while waiting for money to come in

There is also a psychological side to it. Waiting for inheritance can feel long and frustrating, especially when probate timelines shift all the time. 

Being able to access part of that money early can help you maintain a sense of financial stability during an otherwise uncertain time.

At Provira, we often speak to people who simply want to remove that waiting period and regain some control over their finances, which is exactly what our Inheritance Advance is designed to do.

Get in touch with the team today to start your application.

What can delay getting your inheritance even further?

Whilst it normally takes between 6 and 12 months to get your inheritance in the UK, delays are extremely common.

In reality, many estates take longer, especially if they are a bit more complicated.

Some reasons for delays include:

Property sales

If the estate includes property, it usually needs to be sold before funds can be paid out. 

Property sales can take months and are heavily dependent on market conditions, buyer demand and whether the property needs any renovations before being sold. 

Assets abroad

If the estate includes any assets that are overseas like property, bank accounts or investments, this can make the legal process much more complicated. The reason for this is that it involves multiple jurisdictions, which can slow things down a lot.

Disputes over the will

Wills are allowed to be contested if beneficiaries believe they are unfair. These disputes can take a long time to resolve and may delay the inheritance being paid out by quite a few months more.

Missing paperwork or beneficiaries

If important documents can’t be found, or if beneficiaries are difficult to pin down, the probate process may be paused until everything is in hand.

Because these delays are often outside of your control, waiting for an inheritance can feel endless. Even when things seem easy, unexpected issues can crop up.

What can an Inheritance Advance be used for?

One of the biggest benefits of an Inheritance Advance is that it can be used for anything you want!

The idea is that an Inheritance Advance is treated exactly the same as getting your inheritance. You have complete control to spend it on whatever you need. 

People use their advance for a wide range of things, including:

• Paying rent, mortgage or household bills
• Covering funeral or legal costs
• Supporting dependents or family members
• Paying off credit cards or loans
• Paying school fees
• Buying a new property
• Buying a luxury item they always wanted
• Taking time off work to allow them to process their grief

Most of the time, having your inheritance early can just help you relieve any financial pressure and focus on yourself during this difficult time.

Can you still get an Inheritance Advance if there is no will?

Yes. You can still get an Inheritance Advance if there is not a valid will.

While having a will can make parts of the probate process easier, it is not something you need to access an Inheritance Advance.

That is because, if there is no will, the estate is handled under intestacy rules. In this case, an administrator is appointed instead of an executor and beneficiaries are found and paid out in line with national laws, not the will of the deceased. 

At Provira, we assess applications based on your future inheritance, rather than the presence of a will. This means you can still access funds whether probate has been granted or not, and whether or not a will exists.

How do you apply for an Inheritance Advance?

Applying for an Inheritance Advance with Provia is easy, all you have to do is:

1. Start your application

You can start by completing a short online form or speaking directly with the Provira team here.

2. Provide your documents

You’ll be asked to provide documents like the death certificate, will (if you have one), and details of the estate’s assets and liabilities.

3. Application assessment

Provira’s underwriters look at your application and get you an answer, usually within 48 hours. Importantly, this is based on your inheritance, not your credit score or personal finances.

4. Receive your funds

Once approved and documents are signed, funds are transferred into your bank account on the same day.

In many cases, the entire process from application to receiving funds can take less than a week.

Accessing your inheritance early with Provira

While receiving inheritance in the UK can take 6 – 12 months or longer, an Inheritance Advance gives beneficiaries a much faster alternative, giving you access to funds in just a few days.

There are no credit checks, no monthly repayments, no collateral required, and only simple interest rather than compound interest, so you always know exactly where you stand.

Repayment is made directly from the estate once probate is complete, meaning you don’t need to worry about managing repayments during an already difficult time.

If you’re currently waiting for inheritance and want a faster, more flexible way to access your money, you can apply with Provira today and receive a decision in as little as 48 hours, helping you move forward with confidence.

Get in touch with the team today.