Competitive rates, transparent terms, and a dedicated loan officer from application to close. Whether you're buying a home, growing a business, or financing a vehicle — Lumina Vault has a solution built for you.
$1.2B+
Total loans funded
24hr
Personal loan funding
3.99%
Auto loan APR from
97%
Application approval rate
APR from
6.25%
10–30 year terms
Purchase or refinance your home with fixed or adjustable rates, flexible terms, and a streamlined digital application process.
APR from
3.99%
24–84 month terms
Finance a new or used vehicle with same-day approval decisions and competitive rates. No dealer markups — apply directly with us.
APR from
7.49%
12–60 month terms
Unsecured personal loans for debt consolidation, home improvement, major purchases, or any personal financial need.
APR from
5.75%
1–10 year terms
Fixed-term financing for equipment, expansion, acquisitions, or working capital. Predictable payments, competitive rates.
APR from
6.50%
Up to 25 years
As a preferred SBA lender, we offer faster approvals on 7(a) and 504 programs — ideal for startups and established businesses alike.
APR from
7.25%
10-year draw period
Tap into your home's equity with a flexible revolving line of credit. Draw what you need, when you need it.
Complete our secure digital application in under 10 minutes. No branch visit required.
Receive a credit decision within 24–48 hours. A loan officer will contact you directly.
We walk you through your rate, term, and monthly payment — no surprises, no pressure.
Sign digitally and receive your funds. Most personal and auto loans fund within one business day.
$1.2B+
Total loans funded
24hr
Personal loan funding
3.99%
Auto loan APR from
97%
Application approval rate
Talk to a loan officer today or start your application online — it takes less than 10 minutes.