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.
Read more about how it all works, and check out our Frequently Asked Questions below.
Dealing with retailers
Not at this stage. You can have one serviced and pay with humm though!
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.
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
Every year, EOFY is the national deadline for many different activities. From 30 June onwards, businesses and individuals need to gather their full financial year records for the purpose of reporting on expenses, income, profits and losses – all for the purpose of determining whether the fair and correct amount of tax has been paid. These details are reported to the Australian Tax Office (ATO) by certain key dates, then tax is either owed, or tax refunds are issued.
EOFY stands for End of Financial Year. It’s a period of 12 months from 1 July to 30 June the following year, used in Australia for tax and business reporting to the Australian Tax Office (ATO).
EOFY 2021 falls on 30 June 2021. It includes the 12 months from 1 July 2020 until 30 June 2021 inclusive.
Retailers know that every year, as eofy approaches, people are thinking about what work-related things they could claim on their tax returns. They’re also aware they need to buy before 30 June for items to be eligible, creating urgency. In this environment, retailers compete for buyers’ spending, by releasing amazing EOFY deals and discounts into the market and holding huge EOFY sales.
EOFY Australia is the time when every business and employee needs to report on what they’ve been earning and spending during the financial year. Its key function is to ensure that the right amount of tax is paid to the ATO – neither too little nor too much.
Fees & charges
Yes. You will be charged an $8.00 Monthly Account Keeping fee until the bill has been paid in full.
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.
You can find the breakdown of all of our Fees and Charges here:
The $8.00 Monthly Account Keeping fee is due on the first business day of the month, only whilst you have an active payment plan with humm that is 5 months or longer.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Not yet but we are working on it – watch this space.
- • 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.
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.
- • 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.
Go here for more information on Google Pay and compatible devices.
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.
- • 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.
Use Apple Pay or Google Pay at any humm merchant wherever you see one of these symbols.
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.
No – we want to deliver a seamless digital experience.
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.
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.
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.
Of course. You can pay your outstanding balance at any time without worrying about any additional charges or fees.
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.
Bank Name: ANZ
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.
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
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.
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.
To change the registration mobile number on your account, please call 1800 088 151 from 7.30am to 7.30pm (AEST) Monday through Friday or Saturday between 7.30am and 5.30pm (AEST) and one of our friendly Team Members can discuss this with you.
To update your registration email address, contact us via email, phone or Live Chat.
Once you’ve 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, please call us on 1800 088 151.
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.
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.
- Go to the humm App.
- On the home screen, click ‘Pay a bill now’.
- Enter Biller name, Biller code, reference number and amount.
- Save details for ease later.
- Click ‘Pay bill’.
We’re working on this functionality and it’s coming soon. For now, please 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 arrange this for you.
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.
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.
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.
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.