RATE EASE™

1st rate-reducing Business Loan

Pay on time to drop your rate and save up to 11% on interest. Conditions apply.

Apply Now

RATE EASE™

1st rate-reducing Business Loan

Pay on time to drop your rate and save up to 11% on interest. Conditions apply.

Apply Now

Same-day funding up to

$1,000,000

Unsecured options

Limits apply

Flexible terms up to

5 years

Save up to 11%  on interest

Rate drops automatically

Save up to 11% on interest
Rate drops every month
Funding in 24 hours
No refinancing to get a better rate
Up to $1M
No fixed rate

Your Payments = Your Savings

Make payments on time. Watch your rate drop. It’s that simple. Every month you pay on time, we automatically drop your interest rate. No forms. No calls. No hoops to jump through.

The result? Up to 11% less in interest charges over 12 months. The catch? There isn’t one.

Why Rate Ease™

No refinancing needed

Your rate improves automatically with your payment history

No refinancing needed

Your rate improves automatically with your payment history

Immediate reward

Rate drops begin after just 4 consecutive payments

Immediate reward

Rate drops begin after just 4 consecutive payments

Substantial savings

Up to 11% reduction in interest charges

Substantial savings

Up to 11% reduction in interest charges

Zero administration

All rate adjustments happen automatically

Zero administration

All rate adjustments happen automatically

Get started in 3 steps

1. Check your eligibility

See if you qualify for Rate Ease™ in under 2 minutes.

1. Check your eligibility

See if you qualify for Rate Ease™ in under 2 minutes.

2. Apply & get funded

Complete application in minutes. Get funded in 24 hours.

2. Apply & get funded

Complete application in minutes. Get funded in 24 hours.

3. Activate your savings

Make 4 on-time payments and start saving automatically.

3. Activate your savings

Make 4 on-time payments and start saving automatically.

Frequently Asked Questions

Who qualifies for Rate Ease™?

If you're eligible for a Lumi Business Loan of $25,000+ at 29.5% or higher interest, you likely qualify for Rate Ease™. Ready to find out? Call 1300 005 864 or email sales@lumi.com.au.

Who qualifies for Rate Ease™?

If you're eligible for a Lumi Business Loan of $25,000+ at 29.5% or higher interest, you likely qualify for Rate Ease™. Ready to find out? Call 1300 005 864 or email sales@lumi.com.au.

How much will my rate drop?

Your rate reduction depends on your loan terms and approved interest rate. Have an existing loan? Your Lumi Account Manager has your personalised reduction schedule. New applicant? We'll calculate your savings when you apply.

How much will my rate drop?

How long do the rate drops last?

Your rate drops every month for up to 12 months - as long as you keep making on-time payments. Miss a payment? You keep your current rate but forfeit future reductions.

How long do the rate drops last?

Your rate drops every month for up to 12 months - as long as you keep making on-time payments. Miss a payment? You keep your current rate but forfeit future reductions.

Is there anything to activate?

Nothing. After 4 consecutive on-time payments, your rate automatically drops every month. No paperwork, no phone calls, no hassle.

Is there anything to activate?

Nothing. After 4 consecutive on-time payments, your rate automatically drops every month. No paperwork, no phone calls, no hassle.

What happens if I miss a payment?

You keep your current rate, but future rate reductions stop - even if you catch up. Rate Ease™ rewards consistency above all.

What happens if I miss a payment?

You keep your current rate, but future rate reductions stop - even if you catch up. Rate Ease™ rewards consistency above all.

Terms & Conditions

Rate Ease™ applies to new term loans only (not lines of credit). Interest reductions are at Lumi's discretion and require meeting all contractual obligations. Full terms available upon application.

All loan products are subject to eligibility and approval.