Frequently Asked Questions

How do I apply for a loan?

Apply online through the Luminso Capital website. Click Apply for a Loan and you’ll be directed to our secure customer application portal to register and complete your application.

How much can I borrow and what is the repayment period?

Luminso Capital currently offers loans from R500 to R8,000 with a 1-month repayment term, subject to affordability and credit assessment.

How is my application assessed?

We assess affordability, verify identity and income information, review relevant credit information and conduct other checks required for responsible lending.

What documents do I need to apply?

You may be asked for identification, income information, banking information and supporting documents required for verification and affordability assessment.

Is my personal information safe?

Yes. Luminso Capital handles personal information in line with POPIA and our Privacy & POPIA Policy. Authorised service providers may process information where needed for the application process.

Are there any hidden fees or upfront payments?

Applicable fees and repayment terms are disclosed before you accept the credit agreement. Luminso Capital does not require an upfront payment to release an approved loan.

What if I struggle to repay my loan or need help with my application?

Contact Luminso Capital as soon as possible. We can assist with application queries and explain the options that may be available if you anticipate repayment difficulty.