Responsible Lending. Empowering Growth.
Luminso Capital offers responsible, short-term personal loans to help South Africans manage life's financial moments with confidence, transparency and care. Simple online application, fair terms and secure handling of your personal information.
Plan your loan with confidence
Borrow only what you need and can comfortably afford to repay. Our simple online loan calculator gives you a quick estimate of your potential monthly repayment before you apply.
Transparent fees and terms disclosed upfront
No hidden costs or surprises
Affordable repayments matched to your budget
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This is an illustrative loan amount selection only. Final approval, fees and repayment will be confirmed following affordability and credit assessment.
Apply for a LoanPAIA MANUAL
Luminso Capital (Pty) Ltd
Prepared in terms of section 51 of the Promotion of Access to Information Act 2 of 2000, as amended
Date of compilation: 28 August 2026
1. Purpose of this Manual
This Manual has been prepared to assist members of the public who wish to request access to records held by Luminso Capital (Pty) Ltd in accordance with the Promotion of Access to Information Act (“PAIA”).
It explains the categories of records held by Luminso Capital, how access may be requested, the contact details of the Information Officer, and how Luminso Capital processes and protects personal information.
2. Key contact details
Information Officer: Mncedisi Mtimkulu
Organisation: Luminso Capital (Pty) Ltd
Telephone: +27 73 516 0428
Email: [email protected]
Website: luminsocapital.co.za
General PAIA enquiries: [email protected]
Physical / Principal Business Address:
5 Mcgahey Place, Makhanda, 6139
No Deputy Information Officer has currently been designated.
3. Information Regulator’s PAIA Guide
The Information Regulator has published a Guide explaining how members of the public may exercise their rights under PAIA and POPIA.
The Guide provides information about requesting access to records, applicable procedures and fees, complaints to the Information Regulator, and other remedies available under the law.
The Guide can be obtained from the Information Regulator or accessed through its official website.
4. Records that may be available without a formal PAIA request
Certain information may be available directly from Luminso Capital without requiring a formal PAIA application, including:
Information published on the Luminso Capital website
Privacy & POPIA Policy
Website Terms of Use
This PAIA Manual
General product and service information
Contact information
Responsible lending information
Publicly available company information
Whether a particular record can be supplied without a formal PAIA request will depend on the nature of the information concerned.
5. Records available in accordance with other legislation
Luminso Capital may hold records required in terms of applicable South African legislation, including, where relevant:
Companies Act 71 of 2008
Promotion of Access to Information Act 2 of 2000
Protection of Personal Information Act 4 of 2013
National Credit Act 34 of 2005
Financial Intelligence Centre Act 38 of 2001
Income Tax Act 58 of 1962
Basic Conditions of Employment Act 75 of 1997, where applicable
Other legislation applicable to Luminso Capital’s activities
6. Categories of records held by Luminso Capital
Luminso Capital may hold records relating to:
Corporate and governance records
Company registration and statutory records
Policies and procedures
Contracts and agreements
Compliance records
Management records
Customer and lending records
Loan applications
Identity and verification information
Affordability assessments
Credit assessment information
Credit agreements
Repayment information
Customer correspondence
Complaints and enquiries
Financial records
Accounting records
Banking records
Tax records
Invoices and payment records
Financial statements and reports
Compliance records
POPIA and PAIA records
Credit compliance records
Risk and fraud-prevention records
Customer consent records
Regulatory correspondence
Service-provider records
Contracts
Supplier information
Technology-provider records
Payment-service records
Loan-management-system records
7. How to request access to a record
A person requesting access to a record must submit the prescribed PAIA request form and provide sufficient information to identify:
The requester
The record being requested
The right the requester wishes to exercise or protect
Why the requested record is required for that purpose
The preferred method of receiving the information
Requests may be sent to:
Information Officer: Mncedisi Mtimkulu
Email: [email protected]
Telephone: +27 73 516 0428
A request may be subject to the prescribed PAIA fees where applicable.
Access may also be refused where one of the grounds for refusal contained in PAIA applies.
8. Processing of personal information
Luminso Capital processes personal information for purposes including:
Receiving and assessing credit applications
Identity verification
Affordability and credit assessment
Income and employment verification
Fraud and risk management
Administration of credit agreements
Collection and repayment administration
Customer communication and support
Regulatory and legal compliance
Categories of people whose information may be processed include:
Loan applicants
Customers
Employees or prospective employees, where applicable
Directors
Service providers
Suppliers
Business contacts
Personal information may include identity information, contact details, employment information, income information, banking details, credit information, application information and supporting documents.
9. Sharing of personal information
Where necessary and legally permitted, personal information may be supplied to appropriate recipients including:
Credit bureaus
Identity and verification providers
Quinn Pay and other authorised technology providers
Payment and DebiCheck service providers
Banks and financial-service providers
Professional advisers
Regulators and government authorities where required by law
Luminso Capital does not sell customers’ personal information.
10. Cross-border processing
Where an authorised technology or cloud-service provider processes or stores personal information outside South Africa, Luminso Capital will require such processing to comply with applicable POPIA requirements and appropriate safeguards.
11. Information-security measures
Luminso Capital takes reasonable technical and organisational measures to protect personal information.
Measures may include:
Controlled access to information
Password and account security
Secure online systems
Data encryption where appropriate
Antivirus and malware protection
Secure service-provider arrangements
Access controls
Backups and record-management procedures
Confidentiality obligations
12. Availability of this Manual
This PAIA Manual will be made available:
On the Luminso Capital website
At Luminso Capital’s principal place of business for inspection during normal business hours
To the Information Regulator upon request
To a person requesting a copy, subject to any prescribed fee where applicable
13. Updating this Manual
Luminso Capital will review and update this PAIA Manual when necessary to reflect changes in its operations, records, service providers or legal obligations.
Issued by:
Mncedisi Mtimkulu
Information Officer
Luminso Capital (Pty) Ltd
5 Mcgahey Place
Makhanda
6139
Applying for a loan with Luminso Capital is simple and transparent. Here's the journey from application to payout.
1
Apply Online
Complete our simple, secure online application form in minutes.
2
Checks
We verify your identity and assess affordability responsibly.
3
Assessment
Your application is assessed fairly against our lending criteria.
4
Approval
If approved, we present clear terms and conditions for your review.
5
Agreement & Payout
Sign your agreement and your funds are paid out securely.
Loan Eligibility & Requirements
To apply for a short-term loan with Luminso Capital, you need to meet our basic eligibility criteria.
18 years or older
South African citizen or permanent resident
Valid South African ID document
Regular income that can be verified
A valid South African bank account
Responsible Lending
Responsible lending is at the heart of everything we do. We lend only what you can afford, protect your privacy and handle your information securely.
Affordability Assessment
We assess your income and expenses to ensure any loan is affordable and does not cause financial harm.
Privacy & Security
Your personal and financial information is protected and never shared without your consent.
Fair & Transparent
Clear terms, disclosed fees and no hidden surprises - so you always know what to expect.
About Luminso Capital
Luminso Capital (Pty) Ltd is a South African microfinance and short-term lending company built on the principles of responsibility, transparency and trust. We help hard-working South Africans access affordable credit when they need it most - without the stress and confusion often associated with borrowing.
Regulated and accountable lending practices
Customer privacy and data protection first
A simple, mobile-friendly and secure experience