Apply for a Lumora loan

It takes about 10 minutes. Have your ID, latest payslip and 3 months of bank statements ready (photos or PDFs are fine).

How much do you need?

Over how many months?

Estimated monthly repayment

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Interest rate
Initiation fee (once-off)
Monthly service fee
Total to repay

Estimate at Lumora's current rates. Your final quote depends on a credit check and affordability assessment. Fees include VAT.

About you

First name(s)

Surname

South African ID number

Cellphone number

Email (optional)

Home address

Your work and bank

Employer

How many months have you worked there?

Bank

Account type

Account number

Your monthly money

Gross salary (before deductions)

Take-home pay (what goes into your account)

Monthly living costs (rent, food, transport, school, etc.)

Monthly payments on other loans and accounts

What is the loan for?

Please be honest — we use this to make sure the loan is affordable for you.

Your documents

ID (green book or both sides of smart card)

Latest payslip

3 months' bank statements

Proof of address (optional)

PDF, JPG or PNG, up to 5 MB each. You can also WhatsApp documents to 064 784 7807 later.

Your consent I agree that Lumora Financial Services may collect and use my personal information to assess and manage my loan application, as required by the National Credit Act and POPIA. I agree that Lumora may check my credit record with a registered credit bureau. Send me free financial coaching tips and Lumora news (optional).

Lumora will never sell your information. You may ask to see or correct it at any time: lumorafinancialservices@gmail.com.

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