LUMI PAYMENT PAUSE

Pause payments. Power progress. 

4 weeks. Zero interest. Maximum opportunity.

Apply Now

LUMI PAYMENT PAUSE

Pause payments. Power progress. 

4 weeks. Zero interest. Maximum opportunity.

Apply Now

Same-day funding up to

$1,000,000

Unsecured options

Limits apply

Flexible terms up to

5 years

Pause payments interest-free for

Up to 4 weeks

  • Funding in 24 hours 

  • Up to $1M 

  • Pause repayments when your business needs it most

  • Focus on growth, not repayments 

  • Fair rates from 15.5% APR

When loan payments pause, business potential soars

Get funded in 24h. Pause repayments when your business needs it the most. Maximise business opportunities when it matters. The result? Space to grow your business with the funds you need. Zero interest accrues during the payment pause.

When loan payments pause, business potential soars

Get funded in 24h. Pause repayments when your business needs it the most. Maximise business opportunities when it matters. The result? Space to grow your business with the funds you need. Zero interest accrues during the payment pause.

When loan payments pause, business potential soars

Get funded in 24h. Pause repayments when your business needs it the most. Maximise business opportunities when it matters. The result? Space to grow your business with the funds you need. Zero interest accrues during the payment pause.

Why Lumi Business Loan with Payment Pause 

Flexible funding on your terms 

4-week interest-free payment pause when your business needs it most

Flexible funding on your terms 

4-week interest-free payment pause when your business needs it most

Focus on growth, not payments 

Get ahead by prioritising your business over repayments 

Focus on growth, not payments 

Get ahead by prioritising your business over repayments 

Boost cash flow to reinvest 

Free up money to put back into what matters 

Boost cash flow to reinvest 

Free up money to put back into what matters 

Get started in 3 steps

Get started in 3 steps

1. Check your eligibility

See if you qualify for a Lumi Business Loan with Payment Pause in under 2 minutes.

2. Apply & get funded

Complete application in minutes. Get funded in 24 hours.

3. Pause repayments when you need it most

For up to 4 weeks to boost cash flow and maximise business opportunities.

Frequently Asked Questions

Frequently Asked Questions

What is Lumi Payment Pause?

A 4-week break from loan payments during which no extra interest is charged.

What is Lumi Payment Pause?

A 4-week break from loan payments during which no extra interest is charged.

Who qualifies for Lumi Payment Pause?

  • Any Australian-registered business that also qualifies for a new Lumi Business Loan

  • Has operated for at least 6 months 

  • With an annual gross turnover of $50,000+

  • Must have never missed a payment on their Lumi Loan

  • Not available for Lumi Business Line Of Credit

Who qualifies for Lumi Payment Pause?

  • Any Australian-registered business that also qualifies for a new Lumi Business Loan

  • Has operated for at least 6 months 

  • With an annual gross turnover of $50,000+

  • Must have never missed a payment on their Lumi Loan

  • Not available for Lumi Business Line Of Credit

What you need to apply for a Lumi Business Loan

  • ABN or ACN

  • Driver's license

  • Business bank account details

  • Ready to apply? Click here to start your online application.

    Need help with your application?  Call 1300 005 864 or email sales@lumi.com.au

What you need to apply for a Lumi Business Loan

  • ABN or ACN

  • Driver's license

  • Business bank account details

  • Ready to apply? Click here to start your online application.

    Need help with your application?  Call 1300 005 864 or email sales@lumi.com.au

How does Lumi Payment Pause work?


  • Duration: Exactly 4 weeks in a row

  • When: You can request it anytime during your loan

  • Frequency: Only once per loan

  • Effect: Your loan gets extended by 4 weeks at the end

How does Lumi Payment Pause work?


  • Duration: Exactly 4 weeks in a row

  • When: You can request it anytime during your loan

  • Frequency: Only once per loan

  • Effect: Your loan gets extended by 4 weeks at the end

What other important information is there to know?

You can't split the 4 weeks into smaller breaks

  • Your regular payment amount stays the same when you restart

  • Payments resume weekly after the 4-week pause

  • Eligibility for Payment Pause remains subject to our general terms and credit criteria

What other important information is there to know?

You can't split the 4 weeks into smaller breaks

  • Your regular payment amount stays the same when you restart

  • Payments resume weekly after the 4-week pause

  • Eligibility for Payment Pause remains subject to our general terms and credit criteria

Example

If you normally pay weekly and take a Lumi Payment Pause:

  • Week 1-4: No payments

  • Week 5 onwards: Back to normal weekly payments

  • Your loan just runs 4 weeks longer than originally planned

Example

If you normally pay weekly and take a Lumi Payment Pause:

  • Week 1-4: No payments

  • Week 5 onwards: Back to normal weekly payments

  • Your loan just runs 4 weeks longer than originally planned

Terms & Conditions 

Terms & Conditions 

Lumi Payment Pause applies to new term loans only (not lines of credit). Approval of a Payment Pause is at Lumi's discretion and requires meeting all contractual obligations. 

All loan products are subject to eligibility and approval. 

Ready to get started?

For Businesses

Fast access to finance that fits your business.

Apply Now

For Brokers

Fast funding with fair rates for your clients. Competitive commission for you.

Submit a Scenario

For Platforms

Fast funding for your clients. New revenue streams for you.

Embed into Your Platform