How humm works.
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 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.
What is humm?
Buy ‘Little things’
- Apply for up to $2,000
- Repay in 5 fortnightly or 10 weekly slices
- Repay and free up your balance to spend again
Buy ‘Big things’
- Get pre-approved for up to $5,000 online or via the app
- Apply instore for up to $30,000 depending on what you buy and where you shop
- Repay over 6, 12, 24 months all the way up to 60 months.
How to get humming.
What our customers are saying.
How it all breaks down
Time to pay
5 x fortnightly
$35 – $90
Repeat purchase fee
Late payment fee
Run the numbers with humm
The repayment amount does not include a Monthly Fee of $8 which applies to payment plans 5 months or greater, for both ‘Little things’ and ‘Big things’. Only a single monthly fee will be charged regardless of the number of active payment plans you have. For ‘Big things’ purchases, an establishment fee of $35 - $90 will also apply if you are new to humm or a $22 additional purchase fee if you've used humm before.