Why pay upfront?
Buy Now Pay Later (BNPL) Australia wide.

Credit card interest? Who needs it? You can Buy Now Pay Later Australia wide without it costing you a cent. Buy Now Pay Later (BNPL) is the new way Australians are paying for the things they need now, without it costing them any interest!
Imagine you need a new pair of Jeans (and a jumper) but need payday to be here sooner. With Buy Now Pay Later (BNPL), you can take it now, but pay it later, always interest free. And it’s not just little things like trainers and tops. You can Buy Now Pay Later (BNPL) up to $30,000 and for everything from sunglasses to solar panels. Always interest free.

Pay it later, big things or little.

Life’s bigger than trainers and tank tops, so you need a Buy Now Pay Later (BNPL) option like humm that lets you buy now and pay it later for both little things and big – like solar panels, IVF treatment, home gym equipment and IKEA kitchens.
Credit cards used to be the solution for buying the big things, but they also came with big interest, sometimes of more than 20%. When you Buy Now Pay Later (BNPL) with humm, you can take it now, for an item of up to $30,000, and pay 0% interest. You simply pay it later, little or big, in interest free instalments.
How long do you get to pay it back? It depends. For smaller buys up to $2000, you have the option to repay in 5 fortnightly repayments with no fees, or 10 fortnightly repayments for a fee of $8 a month. Then if you want to buy something bigger and pay it later, you can apply for a limit of up to $10,000 online, and up to a big $30,000 instore. For bigger buys, you can get 6, 12, 24 or even up to 60 months interest free to repay, depending on where you shop and the interest free deals on offer with our merchants.
humm app payments
shop online bnpl

How to
Buy Now Pay Later
with humm.

There’s no paperwork or third degree with humm, you simply download and apply through the humm app. If approved, you get a Little things wallet of up to $2000 that’s ready to go on the spot. From then you can Buy Now Pay Later (BNPL) for Little things. If you’ve got a bigger buy in mind and you want to pay it later you simply apply in the app for up to $10,000, or instore for up to $30,000 with repayment terms of up to 60 months. Always interest free!

Join the Buy Now Pay Later revolution with humm.

Buy Now Pay Later Australia has changed the way we shop, by empowering people to take it today and pay it later – for the first time ever without the financial burden of credit card interest. The places where you can Buy Now Pay Later (BNPL) with humm are growing daily and now include 20,000 of Australia’s most loved brands and retailers.
BNPL join pay
sign up to humm

How to sign up to humm as a merchant and grow your sales.

When customers can take it now and pay it later, the added affordability means they buy more. In fact, Buy Now Pay Later (BNPL) has been shown to increase sales by up to 30% and lift repurchase rates by up to 80%. And you can sign up, and be up and humming in 48hrs.


Would your business like to offer humm?

humm bnpl big sale


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.