Responsible Lending
Responsible Lending. Empowering Growth. Our commitment to you.
Our Commitments
Responsible lending is not just a policy at Luminso Capital - it is how we do business every day.
Affordability Assessment
Before approving any loan, we conduct a thorough affordability assessment. We review your income, expenses and existing financial commitments to ensure the loan is affordable and you will not become over-indebted.
Customer Privacy
We respect your privacy and comply with South African data protection law. Your personal information is only used for the purposes of your application and is never shared without your consent.
Data Security
We take the secure handling of your personal and financial information seriously. We apply appropriate safeguards to protect your data from unauthorised access, loss or misuse.
Regulatory & Consumer Protection
We are committed to fair, responsible and lawful lending that protects our customers.
NCR Registration
Luminso Capital is committed to operating in accordance with the National Credit Act and applicable South African regulations. NCR registration details: [to be confirmed].
Complaints & Queries
If you have a complaint or query, please contact our team at info@luminso.co.za or through our Contact page. We aim to resolve all complaints fairly and timeously.
Borrow responsibly with confidence
Apply today and experience a lender that puts your wellbeing first.