Shop at Cool it Heat it Airconditioning, pay later with humm

To get a humm account you need to:

• Be an Australian citizen or permanent resident.
• Be at least 18 years of age.
• Have a valid debit card, in your own name.
• Have never declared bankruptcy or insolvency.

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

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.

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.

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.

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.