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Luma Classic

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Balance Transfer offer duration
N/A
0% Purchase offer duration
N/A
Representative % APR (variable)
35.9% APR
Transfer Fee
N/A

Representative Example

Tooltip

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)

What's Good

The rate you see here is the rate you will get, if accepted
Online account management and mobile app
You could be accepted with limited credit history, have CCJs or other issues with your credit rating

What's Bad

High APR for cards in this segment of the market
You could get a lower credit limit down to £200

Features

Online account management and mobile app
Get a response to your application in 60 seconds

Eligibility

Be over 18
Not already have a Luma card
Not have been registered bankrupt in the past 12 months

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
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n/a
Duration
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n/a
Transfer Fee
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n/a
Purchase OfferTooltip
Intro Rate
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n/a
Duration
Tooltip
n/a
Annual Interest RatesTooltip
Balance Transfers
Tooltip
35.94 %
Purchases
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35.94 %
Cash Withdrawals
Tooltip
35.94 %
Other Key Facts
Annual Fee
Tooltip
£0
Cash Advance Fees
Tooltip
3 %
Minimum Age
18 years
Minimum Income
Not Specified
Overseas Transaction Fee
Tooltip
2.75 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Coronavirus help and support

You can find more information about coronavirus help and support here.

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We're on a mission to improve the UK's credit score and help people move on up to a better future.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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