Same-day funding up to
$1,000,000
Unsecured options
Limits apply
Flexible terms up to
5 years
Save up to 11% on interest
Rate drops automatically
Save up to 11% on interest
Rate drops every month
Funding in 24 hours
No refinancing to get a better rate
Up to $1M
No fixed rate
Your Payments = Your Savings
Make payments on time. Watch your rate drop. It’s 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 isn’t one.
Get started in 3 steps
1. Check your eligibility
See if you qualify for Rate Ease™ in under 2 minutes.
2. Apply & get funded
Complete application in minutes. Get funded in 24 hours.
3. Activate your savings
Make 4 on-time payments and start saving automatically.
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.
For Businesses
Fast access to finance that fits your business.
For Brokers
Fast funding with fair rates for your clients. Competitive commission for you.
For Platforms
Fast funding for your clients. New revenue streams for you.