PERSONAL
BUSINESS
Luminus Financial Banner Logo
MENU
Become a member

Help shape the future of Luminus Financial. Board nominations now open until March 6.

Apply today →

Loans

Flexible financial tools that give you more

BORROWING MADE SIMPLE

Loans for any need

At Luminus Financial, we understand that your financial journey is unique. Whether you have specific plans and are ready to apply or are simply exploring options, our range of personal loans is designed to unlock possibilities for you. Let's dive into how Luminus can be your financial partner.

What makes our loans different

Versatile solutions
From home renovations to pursuing higher education, we're here to support your unique aspirations.
Customized options
Enjoy loans tailored to your needs, offering repayment terms of up to 7 years.
Payment flexibility
Choose a payment plan that suits your lifestyle: weekly, biweekly, semi-monthly, or monthly.
Online account management
Keep track of your loans anytime, anywhere, with our user-friendly online platform.

Loan products

Personal Loan

No matter what you need, we can help find a personal loan that fits your unique financial goals.
  • Competitive rates: Fixed and variable rates available based on your needs.
  • Versatile options: Use for whatever you need, from home improvements to education loans with up to 7 years repayment.
  • Online tools: Manage your loans with simple online tools and never miss a payment.
OPEN AN ACCOUNT
LEARN MORE

Personal Line of Credit

Access funds whenever you need them, without the hassle of reapplying.
  • True flexibility: Access funds whenever you need them.
  • Simple repayment: Only pay interest on what you borrow with interest calculated daily.
  • Rates: Keep costs simple with rates tied to the Luminus Prime rate.
OPEN AN ACCOUNT
LEARN MORE

Consolidation Loan

Combine multiple debts into one manageable loan, simplifying your financial life.
  • Simplify your payments: Consolidate multiple debts into one low-interest loan.
  • Expert advice: Get helpful guidance from our team of advisors to help tidy up your financial landscape.
  • Rates: Enjoy competitive repayment terms based on the Luminus Prime rate.
OPEN AN ACCOUNT
LEARN MORE

Strike Loan

On strike? Luminus Financial is here to provide you with stability and peace of mind.
  • Fast approvals: With simple approval requirements, you can access funds quickly and reduce financial stress.
  • Flexible repayment: Initial payments are delayed until 45 days after disbursement.
  • No hidden fees: You have the freedom to pay off your loan at any time without incurring penalties.
OPEN AN ACCOUNT
LEARN MORE
Luminus Financial Loans
JOIN LUMINUS

Ready to make your dreams a reality?

Whether you have a specific plan in mind or simply want to explore your options, our team is here to assist you. Contact us to set up an appointment or get preapproved today. At Luminus Financial, your financial goals are our priority. Your journey to financial freedom begins here!
Book an Appointment

Member news & articles

SEE ALL ARTICLES
Luminus Team Photo Placeholder

Understanding the New $10 NSF Fee Cap

Starting March 12, 2026, new federal regulations will limit non-sufficient funds (NSF) fees to a maximum of $10 per transaction for personal deposit accounts at federally regulated financial institutions across…
Read more

We often send out our newsletter with news and great offers. We will never disclose your data to third parties and you can unsubscribe from the newsletter at any time.

Ready to get started?

Become a member

Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

Luminus 75th Anniversary Logo
BANKING
BORROWING
INVESTING & INSURANCE
ABOUT LUMINUS

© 2023 Luminus Financial. All rights reserved. | View our Legal and Privacy Policy pages.

Skip to content