Get upto 4%* on our Savings Account Balances with Luminate Trust Bank.
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Updates:
Our loan services offer quick access to
essential financial support.
Our loan services offer flexible financial solutions tailored to meet your needs. Whether you’re looking to finance a home, car, or personal project, we provide competitive rates and quick approvals. Our expert team is here to guide you through every step, ensuring a smooth and hassle-free borrowing experience.
Benefits of a Luminate Trust Personal Loan
No Prepayment Penalty
No origination or application fees.
No Prepayment Penalty
No origination or application fees.
No Prepayment Penalty
No origination or application fees.
Current Personal Loan Rates*
| $1,000 | $2,500 | $5,000 | $10,000 | $15,000 | $35,000 | |
|---|---|---|---|---|---|---|
| 6 Months | 12.79% - 24.74% | 12.79% - 24.74% | 10.09% - 22.04% | 9.84% - 21.79% | 7.89% - 19.84% | 7.89% - 19.84% |
| 12 Months | 12.79% - 24.74% | 12.79% - 24.74% | 10.09% - 22.04% | 9.84% - 21.79% | 7.89% - 19.84% | 7.89% - 19.84% |
| 24 Months | 2.79% - 24.74% | 12.79% - 24.74% | 10.09% - 22.04% | 9.84% - 21.79% | 7.89% - 19.84% | 7.89% - 19.84% |
| 36 Months | 12.79% - 24.74% | 12.79% - 24.74% | 10.14% - 22.09% | 9.89% - 21.84% | 8.79% - 20.74% | 8.79% - 20.74% |
Luminate Trust Unsecured Personal Installment Loan At a Glance
| Loan Limit | $1,000 - $35,000 |
|---|---|
| APR* | Fixed Rate |
| Access to Funds | One-time, lump sum |
| No Prepayment Penalty | Yes |
| Collateral Needed | None |
| Payment Frequency | Monthly |
| Prepayment Penalty | No prepayment penalty |
| Application Fee | No application fee |
| Origination Fee | No origination fee |
FAQ
What is an unsecured personal loan?
A Personal Unsecured Installment Loan provides you access to the money you need without using your property as collateral. You receive funds in one lump sum and pay it off through monthly payments over a fixed term of your choosing.
What factors are condidered in loan approval process?
Various factors are considered to qualify for a loan including credit history, length of employment, and citizenship, among others.
How long does loan approval take?
After you apply, you’ll get a decision within a few days. If approved, you can go to a branch to sign your loan documents and immediately receive your funds. Allow additional time if you choose to request your loan documents by mail.
Can I pay directly from my checking?
Yes
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