Lines of Credit

Access funds when you need them most


A flexible option that responds to your changing needs

Imagine having the power to access funds whenever you need them, without the hassle of reapplying. A Luminus Line of Credit offers a versatile solution to meet your evolving financial needs, providing you with the freedom to manage your expenses and seize opportunities without limitation. Experience a smarter, simpler way to borrow.

Saving made easy

Access funds from your line of credit whenever you need something a little extra.
Cost-effective terms
Save your money. You only pay interest on the funds you use.
Added convenience
A personal line of credit ensures quick access to funds without the need for repeat applications.

Account features

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.
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.
Line of Credit Application

Unlock your potential without letting financial hurdles slow you down

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.

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