Emergency Finance
When an unexpected expense needs attention.
Unexpected expenses can happen. LUMIN ZA provides an application route for eligible emergency-finance requests, subject to assessment.
Apply now →- ✓ From R10,000
- ✓ Up to R6,000,000
- ✓ Repayment terms up to 160 months where applicable
- ✓ Application: Online
- ✓ Assessment: Subject to applicable lending criteria
- ✓ Supporting documents may be required
Start with the purpose.
The appropriate use of finance depends on the product selected and the customer’s circumstances.
- ✓ Unexpected household expenses
- ✓ Urgent essential costs
- ✓ Unplanned financial commitments
- ✓ Other eligible emergency purposes
Prepare for the journey.
Depending on the product, customers may be asked for:
- ✓ Amount required
- ✓ Income and expenses
- ✓ Existing commitments
- ✓ Supporting documentation
Information is reviewed carefully.
Your application information may be reviewed as part of the applicable assessment process. This may include relevant financial information, affordability and supporting documents.
Read before you decide.
Do not accept credit simply because you have been approved. Review the quotation and agreement carefully.
- ✓ How much you are borrowing
- ✓ What you will repay
- ✓ When you will repay
- ✓ What interest and fees apply
- ✓ What happens if payments are missed
- ✓ Your rights and responsibilities
Before borrowing for an emergency
When something unexpected happens, it can be tempting to make a quick financial decision. Take a moment to consider the repayment obligation before applying.
Consider
- ✓ How urgent is the expense?
- ✓ Is there another way to manage it?
- ✓ Can the repayment fit within your budget?
- ✓ Do you understand the total cost?
- ✓ Have you considered your existing commitments?
Still have questions?
You do not have to begin your application before understanding the process.