humm Big things is ideal for life’s bigger purchases up to $30K.


You get a big time to pay off your purchase interest free, from 6 to 60 months, depending on where you shop.


Use humm Big things to pay for everything from health, to home improvement – even solar panels, dental treatments and IVF.

Humm Big things here //

Big BBQ? Big bathroom uplift? Big bling? Big perfect smile?

There are so many Big things you can humm.

How it compares to Little things //

Little things


Big things


Time to pay

5 x fortnightly

10 x fortnightly

6-60 months

Monthly fee



Establishment fee*

$30 – $110

Repeat purchase fee


Late payment fee










FAQs //

Getting started

With Little things, you sure can! You can buy as much as you’d like within your spending limit. For Big things, available spend can be bumped back up based on your Terms & Conditions. However, just note that a repurchase fee of $29 is payable on additional buys.

At humm, we do Buy Now Pay Later a little differently. Instead of just focusing on the little joys in life, we want to allow our customers to fund whatever they need, both big and little. This means we’ve split our product in two; Little things for all of your purchases up to $2,000, and Big things for those purchases over $2,000 and all the way up to $30,000. They each have their own set of rules for approval, but no matter what, we never charge interest – ever.

Here’s a nifty little chart to help you understand how Little things and Big things work, and view our How It Works page for more details.

‘Little things’‘Big things’
Can apply for up to $2,000Get pre-approval up to $5,000 online or via the app
Repay in 5 or 10 instalments weekly or fortnightlyApply in-store for up to $30,000 depending on what you buy and where you shop
Repay and free up your balance to spend againRepay over 6, 12, 24 months all the way up to 60 months

You can buy stuff both online and in-store, here’s how:

Online – simply go to any website which has the humm logo (or choose from our Store Directory), choose humm at checkout and you’ll be taken through humm to get your payment sorted.
In-Store – Open the humm App to create a barcode and use this at checkout to make your purchase, they’ll scan it or key in the code manually.