A little clarity goes a long way
A loan does not need to be large to deserve careful thought. The amount you borrow, the timing of repayments and the cost over the full term all matter. Lumos brings the essentials together so you can begin with questions and make a considered decision.
Our website introduces personal borrowing in the range of USD $100–$500, over 12–24 months, with an advertised APR range of 15%–18% and a maximum APR of 18%. These ranges describe the information on this website. They are not a personalised offer.
Our role as a credit broker
Lumos is a credit broker, not a lender. A broker’s role is distinct from the company that provides the loan. We do not fund the loan, set a lender’s final terms or make its approval decision.
If an introduction is made, the lender is responsible for its assessment and any offer. A loan agreement will identify that lender and explain your contractual obligations. An initial enquiry to Lumos is not a loan application to every lender and does not itself authorise a credit search.
Information before commitment
Before accepting an offer, you should be able to identify the amount you receive, the total you will repay, the payment dates and any fees. You should also understand what happens if you repay early or experience difficulty paying.
Our Borrowing guide explains how to approach those questions. It is general information, not a personal recommendation that a particular loan is suitable for you.
Your choices remain yours
You do not have to proceed with a loan simply because you have made an enquiry. Take time to compare the available information, consider alternatives and ask for clarification. Do not rely on an advertised rate as a guarantee of the terms you will receive.
A lower monthly payment is not always a lower total cost. A longer term may spread payments while increasing the interest paid overall. Your budget and the actual agreement should guide your decision.
The company behind the brand
Lumos is a trading name of Lumos Finance LTD. You can use the following details to identify and contact the business.
Lumos Finance LTD
Company number: 16675692
128 City Road, London, United Kingdom, EC1V 2NX
[email protected]
+44 7473 943393
Website: lumosfinance.sbs
A company registration number identifies a business; it is not itself evidence of financial-services authorisation. Check the relevant official register and the precise permissions of any firm before entering a regulated financial agreement.
Getting in touch
If you have a question about the website or the role of Lumos, email us or use the contact information above. For a question about an existing loan, your lender’s contact details are in the agreement.
If you are unhappy with an interaction with Lumos, our Complaints page explains how to raise the issue and what information to include.
Questions deserve clear answers.
If something on this page is unclear, contact us before sharing information or making a borrowing decision.
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