Let’s get
humming.
With humm you can Buy Now Pay Later, not just for little things, but for big ones as well. Spend from $1 to $30,000 and repay over time, always interest free.
Let’s get
1
Shop now online
Choose humm as your payment option when checkout online.
2
Login or sign up
You will be directed to the humm portal to login or sign up.
3
Choose humm at checkout
Your items will be delivered to your door. Pay later with humm.
1
Download the humm app
Download the humm app and sign up today.
2
Shop at any humm retailer
Shop instore with the humm app ready.
3
Checkout with humm //CARD
Use //CARD in the app at checkout.
Shop little. Shop big.
Little things
<$2K- Shop for Beauty,
- Fashion,
- Homewares
- and more.
-
Time to pay5 X Fortnightly10 X Fortnightly
-
Monthly fee$0$8
-
Little Things Fee$2$2
-
Repeat purchase fee$0$0
-
Late payment fee$6$6
Get started with a Little Things account, upgrade to Big Things later.
Big things
<$30K- Shop for Jewellery,
- Appliances,
- Solar Panels
- and more.
-
Time to pay6-60 months
-
Monthly fee$8
-
Establishment fee*$30 - $110
-
Repeat purchase fee*$29
-
Late payment fee$6
Little things
<$2K- Shop for Beauty,
- Fashion,
- Homewares
- and more.
-
Time to pay5 X Fortnightly10 X Fortnightly
-
Monthly fee$0$8
-
Little Things Fee$2$2
-
Repeat purchase fee$0$0
-
Late payment fee$6$6
Get started with a Little Things account, upgrade to Big Things later.
Big things
<$30K- Shop for Jewellery,
- Appliances,
- Solar Panels
- and more.
-
Time to pay6-60 months
-
Monthly fee$8
-
Establishment fee*$30 - $110
-
Repeat purchase fee*$29
-
Late payment fee$6
*For ‘Big Things’ purchases, an Establishment Fee of $30 – $110 will also apply if you are new to humm or a $29 Repeat Purchase Fee if you’ve used humm before.
Trusted by 2.7M humm users across the world.
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 $30 - $110 will also apply if you are new to humm or a $29 repeat purchase fee if you've used humm before. A $2 Little things fee will be charged on all Little things transactions with the first payment. This fee will not apply to any other type of purchase.
See our top brands that you may be interested in:
Use the humm app to keep track.
- Track your account in real time
- Check your available spend
- See your upcoming payments
FAQs
Dealing with retailers
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.
Getting started
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.
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:
- • 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.
Making payments
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.
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