To file a formal dispute, please send us an email at [email protected] with ‘Attention Manager Regarding Dispute’ in the subject line. In the email, include as much information about your issue as possible. Be sure to include any photos, supporting documents, contact information of people you’ve spoken to at the retailer, and anything else that you feel supports your claim.

Once we’ve received it and are sure we have all of the information we need, we’ll manage it with the retailer directly. The formal dispute process doesn’t stop you from getting information or support from a statutory body or consumer law centre in your state or territory

If you want to cancel a purchase you’ve made, you’ll need to file the request through the retailer. Then, they’ll get in touch with us to process the request.

Shop home improvement, fashion, beauty, solar, jewellery, appliances and so much more across thousands of stores where you can shop with humm! Buy now and pay later with easy interest-free instalments. View our store listings and get shopping with humm.

Not at this stage. You can have one serviced and pay with humm though!

You can find the breakdown of all of our Fees and Charges here:

https://www.shophumm.com/au/how-it-works#returns-and-fees

The $8.00 Monthly Account Keeping (MAK) fee is due on the first business day of the month via direct debit, only whilst you have an active payment plan with humm that is 5 months or longer.

Should this payment fail, we will retry it on the first business day of the next month, along with any other MAK fees that may be applicable at this time. Keep in mind; whilst there is currently no way for you to manually pay this (we are working on this functionality!), being “overdue” for this fee wont affect your ability to use us for finance either.

Yes. You will be charged an $8.00 Monthly Account Keeping fee until the bill has been paid in full and a once-off Bill Transaction Fee of $2, which will be collected with the first payment.

Nobody likes a nasty surprise and that is why we want to be upfront about any upfront deposit you might pay when you make a purchase using us. As this deposit can vary from retailer to retailer, please check directly with them what you might be expected to pay and before you confirm your purchase also. It is legitimate, we promise!

For purchases less than or equal to $65, humm’s late fees are capped at $6.

For purchases greater than $65:

for Little Things purchases humm’s late fees are capped at 18% of the purchase or up to $48, whichever is lower; and

for Big Things purchases humm’s late fees are capped at 18% of the purchase or up to $78, whichever is lower.

We’re a responsible provider of credit, which means we need to take a few things into consideration when we assess your application.

An example of something that may affect your application is your repayment history with other lenders and accounts (e.g. telco, utilities, and credit account). Accessing this information helps us determine if you can comfortably meet your repayment requirements.

However, there are other reasons we may choose not to approve your application based on the information you provide. Each case is unique, and we take into consideration additional factors like how much you earn, your spending habits and your employment status in order to make our decision.

In some cases, we take extra precaution if we don’t know much about you – like if you’re new to humm. As we get to know you over time, we may offer to increase your limit.

We’re a responsible provider of credit which means we need to take a few things into consideration when we assess your application. We may take a look at your credit score when you apply, but don’t worry, simply applying for humm won’t affect your score at all or leave a record on your credit file. For more information read our FAQs.

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 $22 is payable on additional buys.

To buy a Big Thing, apply on the humm App before you shop, letting us know how much you’d like pre-approved Up to $5,000. If you don’t have a set amount in mind, we can offer you one.

You’ll need to share access to your bank statements for information that will help us with the approval process during your application. Once approved, we’ll generate a barcode which has all of the info you’ll need to make purchase, including showing stores the amount you’ve been pre-approved for. Your pre-approval lasts 90 days and is valid for one transaction only.

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 $2,000	Get pre-approval up to $5,000 online or via the app
Repay in 5 or 10 instalments weekly or fortnightly	Apply in-store for up to $30,000 depending on what you buy and where you shop
Repay and free up your balance to spend again	Repay 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.

To get a humm account you need to:

• Be an Australian citizen or permanent resident.
• Be at least 18 years of age.
• Be permanently employed working at least 25 hours per week or receiving an aged or veterans pension;
• Have never declared bankruptcy or that your about to become or are insolvent.

Read our FAQs to find out more information, and download the app to get started.

Download the App below. Then, once it’s up and running, follow the steps and you’re good to go.

Download for iOS

Download for Android

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.

Humm//TAPP is a new payment method for Little things transactions. Humm//TAPP will allow customers to purchase using Apple Pay and Google Pay, but with the benefits of Buy Now Pay Later.

1. In the humm app, click on the humm//TAPP is here tile.
2. You’ll be prompted to add your humm/TAPP card to either Apple Pay or Google Pay.
3. Your humm//TAPP card is ready to use.

Use Apple Pay or Google Pay at any humm merchant wherever you see one of these symbols.

Yes you can – you will still have the option of using barcode, and our merchants who support barcodes will continue to have this functionality available to them.

No – we want to deliver a seamless digital experience.

No changes have been made to the payment schedules or terms of humm – Little things, there are no differences between the humm//TAPP and Barcode payment schedules or terms.

Not yet but we are working on it – watch this space.

Go here for more information on Google Pay and compatible devices.

• • Take the item to the store along with your receipt.
• • If you made the purchase using the humm app barcode, the cashier will process the refund back to your humm account.
• • If you made the purchase using humm//TAPP with Apple Pay or Google Pay the cashier will need to verify you are refunding the purchase back to your humm//TAPP card. See question below for verifying your humm//TAPP card.

• The card number you see on your receipt is the last four digits of an Apple Pay or Google Pay digital card number. This number is a different number to the humm//TAPP card. number you see on the front of your card in the humm app. See question below for where to find your digital card number.

• • When you setup the card with Apple Pay or Google Pay you would have been asked to create a PIN. It is this PIN that you should enter.
• • Note: This PIN is not the same as the PIN you may have setup to verify your identity when logging in to the humm app.

• • For Apple devices, open Settings -> Wallet & Apple Pay -> Select humm -> Here you should see the last 4 digits of the Device Account Number which will match your receipt.
• • For Android devices, open G Pay app -> Select humm -> Here you should see the last 4 digits of the Virtual Account Number which will match your receipt.

Of course. You can pay your outstanding balance at any time without worrying about any additional charges or fees.

Here’s how:

Go to the Payments section of the App or humm website and follow the steps to find your payout amount.

Or, you can transfer the funds to us. Just note that with this option, the transfer needs to be made three days before the scheduled debit date.

Our details:

Bank Name: ANZ
BSB: 012013
Account: 838081174
Account Name: Humm Australia
Transaction Reference: Your purchase number

Once your balance is paid in full – as long as you don’t have any other active purchases – your account will become inactive and there won’t be any additional fees.  

Definitely! All you need to do is hit ‘Pay Now’ and you can make early repayments on any active purchase at any time. Just ensure you have an active debit or credit card on your account.

If you don’t have an active card, it’s super easy to add one via the Pay Now feature. Just go to:

Settings > Payment Methods > Add New Card > (fill in the details) > Add Card.

Just note that your bank will place a hold of $1 on your nominated credit card.

You can view the number of remaining payments by logging into your account on the app or web, and clicking on Transactions -> Upcoming and all your future payments (and the scheduled payment dates) will be displayed

No

Unfortunately, we’re not quite set-up yet to process one-off additional payments via our app or online – but it’s coming soon. That said, give us a buzz on 1800 088 151 from 7.30am to 7.30pm Monday through Friday or Saturday between 7.30am and 5.30pm (AEST) and our Support Team can help you out with some options.

Yes, you can change an individual upcoming payment by logging into your account on the web or mobile app. On the web, find the repayment and select the calendar icon. On the mobile app, click Pay and choose Move this Payment. Remember, you can only change future dated payments and not ones due today or in the past.

We hate late fees as much as you do so if your regular purchase payment day doesnt match up with your pay day/salary, contact us via email, phone or live chat before your next payment is due and we can change all your future payments to a better day for you.

Sure is. There’s a calculator on our How It Works page. Pop in the amount you’re planning to spend and we’ll calculate the different repayment options based on different repayment periods. 

A payment plan is an ongoing amount you pay for each item you buy. This goes for both Big things and Little things.

For Big things, the store will take a deposit upfront, and then you’ll be able to organise a payment plan to cover the rest of the cost of your purchase.

For Little Things, your deposit is taken as an upfront payment from your humm account, and then you’ll have a reoccurring payment after that.

And don’t forget – humm is interest free, foreverrrr.

Direct Debits are processed at around 11.30am AEST on the due date. If the due date falls on a weekend or national public holiday the debit may be processed on the next available business day. Once we’ve processed the direct debit, your payment will appear as ‘payment pending’ in your humm app until we receive a response from your financial institution.

If you don’t recognize the sender or you’re uncertain about the authenticity of an email, don’t open it. You also shouldn’t click on any links or open attachments within the email.

We are PCI compliant and your account data is encrypted and protected, with advanced web application firewall capability to protect our systems from threats and attacks.

Zero. Nothing. Nada. The technical term we use is ‘nil balance’. If this is the case for you, it may mean that you may need to either add a credit card or apply for a Boost.

Once your repaid your purchases in full, your account will become inactive with no more fees or charges to pay.

If you would like to completely close your account, you can do so via the online portal or via the app. You can head to the “Settings” tab, click on the Personal details section and then request to “Deactivate my account”. Or you can call us on 1800 088 151.

You asked and so we gave it to you; payment statements are now available via the app or online self-help! Log into your account and click into the purchase you want for more info. If you cant see the option; then please call the humm Support Team on 1800 088 151 and a Team Member will be able to assist you.

You can change the name on your humm account if your name has been legally changed. Just drop us a line at [email protected] with a copy of a marriage certificate, drivers license, passport or birth certificate that shows your legal name.

You cannot change the name or transfer a humm account to another person. 

To change your password, just head to http://buyer.shophumm.com.au/ and click on the ‘Forgot Password’ link. We’ll send you a text, and once you receive it, just follow the steps to confirm your date of birth and you’ll be directed to a reset password link.

You can change your residential address in Settings >> Personal Details of the app or web portal. To change other details, you’ll need to give us a call.

All you need to do is log in to your humm account on ether the humm App or website and click on ‘Plan Details’ to find your account balance.

To change the registered mobile number and/or email address on your account please call 1800 088 151 from 7:30am to 7:30pm (AEST) Mon- Fri or Saturday 7:30am to 5:30pm (AEST) and a Team Member will be able to assist you.

Strata bills, energy bills, insurance bills – some bills can shock! The good news is, even the biggest BPAY bill is a breeze to pay with humm.

Spread fortnightly payments over 5 months for an $8 monthly fee. It’s the smart way to ease money pressure without paying credit card interest.

A Bill Transaction Fee of $2 applies to all BPAY transactions and will be collected with the first payment. This fee will not apply to any other type of purchase.

1. Go to the humm App.
2. On the home screen, click ‘Pay a bill now’.
3. Enter Biller name, Biller code, reference number and amount.
4. Save details for ease later.
5. Click ‘Pay bill’.

As a VIP you don’t need to pay an upfront deposit on your purchase.

You need to complete 6 Little Things purchases and have a good payment history (no late payments).

Your VIP status can be reinstated by completing a further 6 Little Things purchases with a good payment history.

If the new payments app integration is activated but the old gateway integration is not deactivated, two humm payment options will appear on your checkout page and may cause confusion for your customers.

Immediately. If you don’t update, humm will disappear as a payment option for your shoppers after 31 March 2022.

Your company’s Shopify administrator must install the new humm payments app, then deactivate the legacy app. Refer to the steps and video above to view the necessary steps.

The Shopify Administrator is the only person who can make changes to your Shopify account.

Congratulations! If you see two humm payment options on your checkout page, you have successfully installed and activated the new Humm Group payment app via Shopify. Now, you’ll need to follow a few simple steps to remove/deactivate your old gateway integration “Humm AU/NZ- pay in slices No interest ever”. Please refer to the video for more information.

They are small scale Renewable Energy Scheme and feed in tariffs.

Small scale renewable energy scheme

Location available ACT, NSW, NT, QLD, SA, TAS, VIC, WA.

Households and small business across Australia that install a small scale renewable energy system (Solar, wind or hydro) or eligible hot water system may be able to receive a number of Small-Scale Technology Certificates (STCs). The number of STCs you receive depends on the expected output of the installation over the course of its lifetime as well as the geographical regions of the premise.

Roughly speaking you can expect around 12.5 STC per kW – at an average value of $36 per STC or $447 per kW. This will change every January as they are slowly phased out – STC’s are scheduled to end in 2030. In 2022 rebates can be calculated on 10 years of operation. Each year the calculation will remove 1 year of operation until 2030. So approx. 10% per year reduction of the rebate can be expected.

These STCs can be sold to electricity retailers, who are acquired by law to purchase a quota of STCs each year. The easiest way to sell these certificates is by allowing your installer to sell them on your behalf in exchange for a lower return.

Feed-in tariffs

The feed-in tariff you receive will depend on your location, tariff type and retailer.

Solar panels alone don’t store electricity collected from the sun, meaning any energy you don’t immediately use will feed on to the energy network. In exchange for this, your energy retailer and the state government will supply you with a feed-in tariff, which is a small rebate on your electricity bill for each kWh your solar system exported.

Other rebates you might be eligible for

There are federal and state rebates available for rooftop solar and battery storage which can significantly reduce the cost of purchasing and installing a solar system.

To check your eligibility, visit the Federal Government’s energy rebates webpage.

Generally, when you receive a quote for a solar or battery storage system, the retailer will show any rebate amount that you are receiving.

Your solar provider should consider the best product for you based on your individual situation and quote you a price accordingly.

Finding the best solar panels will usually come down to quality, cost and sustainability.

What to look for?

• The solar panel supplier has an Australian office
• The solar panel supplier certification and warranty
• The output of the panel, older panels will have a lower output
• The Type of solar panel, monocrystalline and polycrystalline

A good supplier should be able to provide all the information above for you to choose the best solar panels for your need.

The amount of money a household can save with solar panels is affected by:

• Energy consumption
• The size of the solar panels or the solar system
• Where you reside
• The feed-in tariff
• The usage pattern

Typically, a Solar system will account for a 40% – 60% reduction on your overall power bill. It is important to remember that Solar can only replace energy you already use – or sell the excess via a feed in tariff. There are fixed charges on your power bill, likely daily and standing charges that will not be reduced by installing solar.

Use our calculator to determine your savings.

The solar installation time can vary

• Start by choosing an experienced company
  
• Arrange a general visit; a representative will come and evaluate your home and energy needs, the direction and size of your roof to coordinate the placement of your solar panels. This process takes about two weeks. At this stage there should be an agreement that outlines the products to be supplied and a date should be set for the work to start after completion of the cooling off period.
  
• The solar company can then request with the relevant approvals from the local network distributor (these vary from state to state) for the size of inverter and any storage that will be installed. This process takes between one week and a month depending on which distributor you are situated in.
  
• The Solar installation Company should also notify your electricity provider to tell them that the addition of a small scale generation assets (Solar System) is being installed at your property – this will require a meter change and, in most instances, will likely be charged direct to you by the electricity retailer.
  
• Once your approval is granted, the solar installer can allocate the equipment outlined on the agreement that is required to complete the installation. Depending on the availability at the time, or if the equipment is coming from overseas this process could be delayed, however the agreement at point of sale should outline if any delays are likely to occur. This should be factored into the decision making process. Most reputable Solar installation companies will have access to stock within a couple of days from local wholesalers or their own warehouses.
  
• The next step is scheduling the actual installation. Once a date is agreed upon, the process will only take a day for up to 6 weeks for the installation, but can depend on many factors such as the type of solar system (micro inverters or optimised panels will take longer), the location of the solar panels (very steep rooflines or 2 storey properties are difficult to work on and require additional safety protocols), the electric meter, and may require more time because it requires additional work or you are having a battery installed along with your solar.
  
• Post installation you may be required to wait for the solar system to have an inspection before being able to have it switched on and generating free electricity from the sun. Once the system is switched on – there is no more to do, other than check your bills to see the reduced amount spent on your power.
  

Installing solar panel cost and price vary widely and can be affected by multiple factors

7 factors that can affect the cost of solar per household

• Rebates & incentives
• Types and number required of panels
• Size and type of inverter
• What is the roof made of for instance, metal or tiled and the accessibility of roof and its height
• Solar installer cost
• Framing equipment and other components
• Service warranty and agreement, it is recommended that you purchase a solar system that is affordable and suits your energy needs. Humm BNPL is a great way to help you benefit from spreading the cost over time, while the savings over time from your Solar system help contribute towards the cost