Borrow confidently
Personal Loans
From £1,000 to £50,000 with competitive rates and no early repayment charges.
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Checking your eligibility does not affect your credit score. We only use a soft search.
Loan tiers
Borrow what you need
Small personal loan
£1,000 – £5,000 · 1 – 3 years
Large personal loan
£15,001 – £50,000 · 2 – 7 years
Representative APR. Rate offered depends on your credit score and individual circumstances. Credit subject to status.
Benefits
Why choose a Lumina loan
Decision in seconds
Get a personalised rate with a soft credit search that does not affect your credit score.
Same-day funding
Once approved, funds are usually in your account within the same business day.
No early repayment fee
Pay off your loan early at any time with no penalty charges whatsoever.
Fixed monthly payments
Your repayments never change — easy to budget and plan your finances.
Fully regulated
Lumina Bank is FCA-authorised for consumer credit. All loans are subject to affordability checks.
Use cases
What can you use a loan for?
Home improvements and renovations
New or used car purchase
Debt consolidation
Wedding or special occasion
Holiday or travel
Medical or dental costs
Get your personalised rate
Soft check. No impact to your credit score. Decision in seconds.
Check my rate