RATE EASE
TM
TM
TM
1st rate-reducing Business Loan
1st rate-reducing Business Loan
1st rate-reducing Business Loan
1st rate-reducing Business Loan
Pay on time to drop your rate and save up to 11% on interest. Conditions apply.
Pay on time to drop your rate and save up to 11% on interest. Conditions apply.
Pay on time to drop your rate and save up to 11% on interest. Conditions apply.
Pay on time to drop your rate and save up to 11% on interest. Conditions apply.
Apply Now
Same-day funding up to
Same-day funding up to
$750,000
$750,000
Limits apply
Limits apply
Unsecured options
Unsecured options
Flexible terms up to
Flexible terms up to
5 years
5 years
Rate drops automatically
Rate drops automatically
Rate drops automatically
Save up to 11%
on interest
Save up to 11%
on interest
Save up to 11%
on interest
Save up to 11%â¨â¨
on interest
Save up to 11% on interest
Rate drops every month
Funding in 24 hours
No refinancing to get a better rate
Up to $750,000
No fixed rate
ACTIVE FEATURE
Rate Ease
TM
Youâve currently saved $1354 in total interest charges!
ACTIVE FEATURE
Rate Ease
TM
Youâve currently saved $1354 in total interest charges!
ACTIVE FEATURE
Rate Ease
TM
Youâve currently saved $1354 in total interest charges!
ACTIVE FEATURE
Rate Ease
TM
Youâve currently saved $1354 in total interest charges!
Your payments = your savings
Your payments =
your savings
Your payments =
your savings
Make payments on time. Watch your rate drop. Itâs that simple. Every month you pay on time, we automatically drop your interest rate. No forms. No calls. No hoops to jump through.
The result? Up to 11% less in interest charges over
12 months. The catch? There isnât one.
Make payments on time.
Watch your rate drop. Itâs that simple. Every month you pay on time, we automatically drop your interest rate. No forms.
No calls. No hoops to jump through.
The result? Up to 11% less
in interest charges over
12 months. The catch?
There isnât one.
Why Rate Easeâ¢
No refinancing needed
No refinancing needed
Your rate improves automatically with your payment history
Immediate reward
Immediate reward
Rate drops begin after just 4 consecutive payments
Substantial savings
Substantial savings
Up to 11% reduction in interest charges
Zero administration
Zero administration
All rate adjustments happen automatically
Get started in 3 steps
Get started
in 3 steps
1. Check
your eligibility
1. Check your eligibility
1. Check your eligibility
See if you qualify for Rate Ease⢠in under 2 minutes.
2. Apply &
get funded
2. Apply & get funded
2. Apply & get funded
Complete application in minutes.
Get funded in 24 hours.
Complete application in minutes. Get funded in 24 hours.
3. Activate
your savings
3. Activate your savings
3. Activate your savings
Make 4 on-time payments and start saving automatically.
Frequently Asked Questions
Who qualifies for Rate Ease�
How much will my rate drop?
How long do the rate drops last?
Is there anything to activate?
What happens if I miss a payment?
Frequently Asked Questions
Who qualifies for Rate Ease�
How much will my rate drop?
How long do the rate drops last?
Is there anything to activate?
What happens if I miss a payment?
Frequently Asked Questions
Who qualifies for Rate Ease�
How much will my rate drop?
How long do the rate drops last?
Is there anything to activate?
What happens if I miss a payment?
Frequently Asked Questions
Who qualifies for Rate Ease�
How much will my rate drop?
How long do the rate drops last?
Is there anything to activate?
What happens if I miss a payment?
Terms & Conditions
Terms & Conditions
Terms & Conditions
Rate Ease⢠applies to new term loans only (not lines of credit). Interest reductions are at Lumi's discretion and require meeting all contractual obligations. Full terms available upon application.
All loan products are subject to eligibility and approval.
Ready to get started?
For Brokers
For Brokers
For Brokers
Fast funding with fair rates for your clients. Competitive commission for you.
Fast funding with fair rates for your clients. Competitive commission for you.
For Platforms
For Platforms
For Platforms
Fast funding for your clients. New revenue streams for you.
Fast funding for your clients. New revenue streams for you.
Fast funding for your clients. New revenue streams for you.
Fast decisions. Fair rates. Flexible terms.
Funding growth where business happens
Fast decisions. Fair rates. Flexible terms.
Funding growth where business happens
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50