A loan with a fixed rate you can count on.

Borrow $1,000 - $50,000 at a fixed 8.5% APR. Funds deposit instantly once approved - no waiting days for the money to show up.

Apply Now How It Works
Person reviewing loan options on a laptop

How it works

1
Choose your amount and term
Borrow anywhere from $1,000 to $50,000, over 12 to 60 months.
2
Get an instant decision
No waiting days for approval - see your fixed rate and monthly payment right away.
3
Funds deposit immediately
Once approved, the money lands directly in your Lumora checking or savings account.

At a glance

Loan Amount$1,000 - $50,000
APRFixed 8.5%
Term Length12 - 60 months
Origination Fee$0
Prepayment PenaltyNone

No surprises, ever

Your rate is fixed for the life of the loan - it never changes based on the market. Pay it off early any time with no penalty, and every payment shows up clearly in your dashboard alongside a running payoff progress bar.

See Repayment Plans

See your rate in seconds

Checking your rate doesn't affect your credit score.

Apply Now