Your application is received
Your application is assigned a reference.
How it works
From application to decision.
A guided process helps you understand what is required at each stage. Exact requirements depend on the applicable product and assessment.
01 / The journey
Choose, apply, understand.
A clear route helps customers move through the process with fewer surprises.
001
Choose
Select the financial solution closest to your goal.
002
Register
Provide basic information and create your application login.
003
Apply
Share personal, employment, income, expense and loan information.
004
Upload
Upload requested identification and financial documents.
005
Assessment
Information is assessed according to applicable requirements.
006
Outcome
LUMIN ZA communicates the applicable next step.
Behind the scenes
What happens after you press submit?
Information is reviewed
The information submitted is checked for completeness.
Supporting documents are considered
Required documents are reviewed as part of the relevant process.
Assessment takes place
The application is considered against applicable criteria.
Additional information may be requested
Where necessary, you may be contacted.
An outcome follows
The next step is communicated to the applicant.
Note: Internal scoring models and confidential risk rules are not exposed through this public information.