Luma Purchase

 APPLY ONLINE

Credit Needed
Bad Credit
  • 0% interest on purchases for up to 3 months
  • Credit limit of up to £1,500 and no annual fee
  • Get a response in 60 seconds
  • Contactless payment up to £30
  • Online account management and mobile app
  • You must be a UK resident, aged 18 years or over
  • Representative APR (variable)
    35.9%
    APR
    Balance Transfer APR
    n/a
    Balance Transfer Fee
    n/a
    Annual Fee
    £0
    Credit Needed
    Bad Credit

Representative Example: If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)


Luma Purchase credit card summary

Luma Purchase credit card:  A credit card with 0% on purchases for up to 3 months and 35.9% Representative APR (variable).

Key features of this card

  • 0% on purchases for up to 3 months
  • 35.9% Representative APR (variable)
  • Great for credit building - even if you are new to credit or have other issues with your credit rating
  • Luma could still accept you even if you’ve had CCjs in the past
  • Fraud Protection
  • Easy to manage credit limit - up to £1,500
  • Online account management and mobile app
  • No annual fee
  • Add additional cardholders

Acceptance criteria in addition to credit check

  • Minimum Age: 18 Years
  • Must be on the electoral roll
  • Must not have been declared bankrupt in the last 12 months
  • Must not already have a Luma credit card