Brighter Financial Futures for Families
Empowering the next generation with smarter banking tools — from first credit cards for kids to homebuying credit pathways for parents.
Modern Banking, Built for Families
Luma is a next-generation banking platform created for the unique financial needs of modern families. From gamified credit-building tools for teens to real-time pay access and innovative lending solutions, Luma offers a seamless ecosystem that grows with families.
We're on a mission to give every family — and every child — a head start on a brighter financial journey.
Credit for Kids
Start building smart money habits early with cards and credit tools made just for kids — with full parental control.
Same-Day Pay
Give families faster access to their earnings — no waiting, no stress. Get paid as soon as the work is done.
Home Lending Tools
Build credit while you save. Luma helps families get home-loan ready with tools that make credit growth simple.
Solutions That Grow With You
We combine cutting-edge technology with a deep understanding of what families need — today and tomorrow.
Credit for Kids
Start early, build smart. We offer minor-friendly credit tools and debit cards that educate and empower — all with built-in parental controls.
Gamified Credit Building
Turn credit education into a game. Our app helps teens and young adults build strong credit habits with interactive tools, challenges, and rewards.
Same-Day Pay Access
No more waiting for payday. Luma gives families instant access to earned wages, helping with cash flow and financial planning.
Smart Home Lending Tools
From credit coaching to home loan readiness, we help families build the financial foundation needed for homeownership — a key step toward generational wealth.
Designed With Purpose. Built for Impact.
Families are the heart of everything we do. At Luma, we believe that financial literacy, access, and empowerment should start early — and last a lifetime. By supporting kids, parents, and caregivers through every financial milestone, we help build a more inclusive and resilient economy.
Whether it's a first paycheck or a first mortgage, Luma is there to light the way.
Banking Partners Welcome
We’re actively seeking sponsor banks to power Luma’s innovative financial services. As a bank partner, you’ll join us in serving a fast-growing segment of millennial parents and digitally native families — with products designed for compliance, engagement, and growth.
Together, we can bring life-changing financial tools to millions of underserved families.