Always-accessible funds

Unlike a traditional loan where you receive a lump sum amount, a Line of Credit allows you to borrow and repay funds as needed. You have access to a preapproved credit limit, and you can use as much or as little of it as necessary.

Interest charged on used amounts only

With a Personal Line of Credit, you only pay interest on the amount you actually use, not the entire credit limit. Interest is calculated daily on the balance and the number of days that balance was outstanding. This can result in lower interest costs compared to a traditional loan where interest is charged on the full loan amount from the start.

Convenience

Once you have a Personal Line of Credit in place, it's readily available for use. This can be particularly convenient for those who anticipate needing funds periodically or for individuals who want a financial cushion without going through the application process each time.

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Experience the freedom that comes with having a little wiggle room. Apply today for a Luminus Financial Line of Credit and take the first step toward turning your dreams into reality.