Shop at LYTEK Industries, pay later with humm

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.

humm is Australia’s Bigger Buy Now Pay Later. That’s because with humm, you can make purchases up to $30,000 and pay it later – over up to 72 months – always interest free*.

*Lending criteria, fees, T&Cs apply. humm has an establishment fee or repeat purchase fee, a monthly fee, and a late payment fee if you miss an instalment.

With humm, repayments are spread over fortnightly or monthly repayments for up to 72 months, depending on the partner store’s available terms. 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.

In order to accept humm, a store needs to sign on and form a partnership with humm. There are more than 15,000 stores in Australia that now welcome humm, from Michael Hill to IKEA, dental to solar panels.

Use our online store search to find out where you can humm. Simply click the Shop tab or click here.

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.

Check out the breakdown of our fees on our ‘How it works’ page. Click here to be directed to this page.