Why pay upfront?
Buy Now Pay Later (BNPL) Australia wide.
Pay it later, big things or little.


How to
Buy Now Pay Later
with humm.
Join the Buy Now Pay Later revolution with humm.


How to sign up to humm as a merchant and grow your sales.
FAQs
Getting started
To get a humm account you need to:
- • are 18 years of age or older
- • have a permanent job of 20+ hours per week or are on an aged or veteran’s pension
- • meet our credit assessment criteria
- • are permanently resident in Australia, and
- • have a valid mobile number.
Read our FAQs to find out more information, and download the app to get started.
Humm is Australia’s Bigger Buy Now Pay Later. That’s because with humm, you can shop not just the little things but the big things as well, up to $30,000 and pay it later – over up to 60 months – always interest free.
With humm, repayments are spread over time – over 5 or 10 fortnightly repayments for humm Little things, or up to 60 months for humm Big things. When you apply, you nominate a funding source for repayments which can be a bank account, debit card or credit card. Once nominated, repayments are deducted automatically from the account when they fall due. The humm app shows a schedule of repayments so you can keep track.
In order to accept humm, a store needs to sign on and form a partnership with humm. There are more than 20,000 stores in Australia that now welcome humm, from Myer, to IKEA, makeup to solar panels.
Like with any form of credit, failing to meet your repayment obligations as set out in the humm T&Cs could affect your credit rating and affect your ability to be approved for future loans where the application involves a credit check.
It depends on whether you’re shopping humm Little things or humm Big things. With humm Little things, there is no credit check and you can be approved for a wallet of up to $2000 instantly. For humm Big things up to $30,000, further credit criteria applies.
Buy Now Pay Later (BNPL) is a new finance alternative that’s revolutionising the way the world shops. It provides consumers with a micro loan at the point of purchase, which means you can take it now – from little things like trainers to big things like solar panels – and spread payment over a big time, always interest free.
With Buy Now Pay Later offerings like humm, the consumer pays no or very little fees or interest. For Little things of up to $2000, there are no fees if you choose to pay over 5 fortnights. For longer timeframes and bigger buys, there are monthly fees and sometimes establishment fees. There are also fees that consumers pay, such as missed repayment fees.