Let’s get

With humm you can Buy Now Pay Later for the bigger purchases in life. Spend up to $30,000 and repay over time, always interest free.

how humm works in Australia


Shop now online

Choose humm as your payment option when checkout online.


Login or sign up

You will be directed to the humm portal to login or sign up.


Choose humm at checkout

Your items will be delivered to your door. Pay later with humm.


Download the humm app

Download the humm app and sign up today.


Shop at any humm retailer

Shop instore with the humm app ready.


Checkout with humm barcode

Use the barcode within the app at checkout.

Fees and charges

Check our FAQs to learn more about our fees and charges.

Time to pay
3-72 months
Monthly fee
Establishment fee*
$30 - $110
Repeat purchase fee*
Late payment fee

*An establishment fee of $30 – $110 applies if you are new to humm, or a $29 repeat purchase fee applies if you’ve used humm before.

Trusted by 2.7M humm users across the world.

Run the numbers with humm


*The repayments shown are rounded up to the nearest dollar. The repayment amount does not include the monthly fee of $8. Only a single monthly fee will be charged regardless of the number of active payment plans you have. 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. This calculator is only a guide; not all merchants support all financed amounts up to $30,000. Please check with the specific merchant.

See our top brands that you may be interested in:

Use the humm app to keep track.


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.

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.