Frequently Asked Questions

How do I apply for a loan?

Simply complete our secure online application form on the Apply page. Our team will then guide you through the next steps of the process.

How is my application assessed?

We verify your identity and conduct a responsible affordability assessment to ensure the loan is affordable for you and that you are not over-indebted.

Is my personal information safe?

Yes. We handle your personal information securely and in accordance with South African data protection law (POPIA). Your information is never shared without your consent.

What happens if I'm approved?

If your application is approved, we present you with clear terms and conditions, including fees. Once you sign the agreement, your funds are paid out securely to your South African bank account.

Are there any hidden fees?

No. We believe in transparency. All fees, interest and terms are disclosed upfront and clearly in your loan agreement. [Specific rates and fees to be confirmed].

What if I struggle to repay my loan?

If you are experiencing financial difficulty, please contact us as soon as possible. We will work with you to find a fair and manageable solution.

Is Luminso Capital registered?

Luminso Capital is committed to operating in accordance with the National Credit Act and applicable regulations. Our NCR registration details will be displayed here once confirmed.