Three simple steps from enquiry to introduction
Lumo Loans is a free enquiry and referral service. We help South Africans see whether they may match with a registered credit provider — we don't lend money ourselves.
1. You tell us a few honest things
The eligibility check takes about two minutes. We ask for your name, WhatsApp number, employment situation, roughly what you earn, whether you have existing debt, and how much you're looking to borrow. There's no credit search and no documents to upload at this stage.
2. We compare your profile to our panel
We take your answers and compare them to the criteria of the registered credit providers and brokers we work with. If more than one is a plausible fit, we'll highlight the best match for your situation.
3. A matched provider gets in touch
If there's a genuine match, the credit provider (never Lumo pretending to be a lender) contacts you directly using the details you gave us — usually by WhatsApp or phone. From there they run their own affordability and credit assessment before offering you anything. If no provider matches your profile, nobody will contact you.
What Lumo does and doesn't do
- We do collect your enquiry, match your profile, introduce you to a provider, and keep your data secure.
- We don't lend money, approve loans, set interest rates, or collect repayments.
Any loan is subject to the credit provider's own criteria and affordability assessment, in line with the National Credit Act.
Ready to see your options?
Answer a few quick questions and we'll show which of our registered credit providers may be a fit. It takes about two minutes and won't affect your credit score.
Lumo Loans is a loan enquiry and referral service. We are not a credit provider. Any loan is subject to the credit provider's own criteria and affordability assessment, in line with the National Credit Act.