Personal Loans
Financial support for eligible personal needs.
Personal financial needs can vary from household to household. LUMIN ZA provides an application route for eligible personal-finance requirements, subject to assessment and applicable product terms.
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.
- ✓ Planned personal expenses
- ✓ Large planned expenses
- ✓ Essential purchases
- ✓ Unexpected household expenses
- ✓ Personal financial commitments
Prepare for the journey.
Depending on the product, customers may be asked for:
- ✓ Identity information
- ✓ Residential information
- ✓ Employment and income information
- ✓ Expense information
- ✓ Banking information
- ✓ Supporting financial documents
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 choosing a personal loan
Consider the amount you actually need, your existing financial commitments and whether the proposed repayments fit within your budget.
Still have questions?
You do not have to begin your application before understanding the process.