Shopping at Smile Concepts just got easier

When making a purchase with new humm, you can apply with any of our merchant partners for purchases up to $50,000*.

We will ask for your personal details, and your income and expense to assess your application. If approved, you can choose a finance plan that suits your needs.

If you’re a humm Classic customer, you will still need to go through the application process because humm is a new regulated credit product.

Our merchant partner’s sales staff will walk you through the application process.

You can view our How it Works page for more details.

*Minimum and maximum purchase amounts and available repayment periods differ between merchants. Fees, terms and conditions apply.

Please visit www.hummloan.com to apply or download the humm app from the AppStore or GooglePlay.

You can request a pre-approved limit and will be guided through the application process.

You can then choose to use humm at any of our partner merchants. You will still need to submit an application with the humm merchant, but in most cases you will not need provide all your details again since we already have this from your pre-approval application*.

You can also apply directly with any of our humm merchants.

*Details collected in prior applications may be re-used for new applications for up to 90 days.

We’re launching a new way to humm, with new features including a bigger limit of up to $50K, a long repayment timeframe of up to 120 months and an all-new app and website www.hummloan.com

If you’d like to use the new humm for an upcoming purchase you’ll need to download the new app, sign up and apply.

You may also sign up and apply with any humm merchant partner.

With humm, repayments are spread over fortnightly or monthly repayments for up to 120 months, depending on the merchant partner’s available terms.

When you apply, you nominate a funding source for repayments which can be a bank account or debit card.

Once nominated, repayments are deducted automatically from the account when they are due.

The humm app shows a schedule of repayments so you can keep track.

humm is humm group’s new product that provides our customers with the flexibility to make their purchases at a point of sale in our merchant network to manage their spending and cash flow.
Listening to our customers about their changing needs in the current climate and working closely with our merchant partners, we have designed this product, in compliance with the National Credit Code (“NCC”) and other relevant laws dealing with consumer credit.

With humm, you can borrow up to $50,000 and pay it back in monthly or fortnightly instalments over 3-120 months*. You can access the new humm app or web portal to review your loan and manage your cashflow/payments

*Fees, charges and interest (if applicable) vary depending on the product type, merchant and the amount of credit. Your application will be subject to the product terms and conditions and lending criteria. Your loan schedule will detail the fees, charges and interest (if applicable) that apply, and specify if your contract is a low cost credit contract. Low cost credit contracts are subject to fee caps and interest will not apply. Please review your loan schedule and the product terms and conditions carefully before accepting. For more details, please refer to your loan schedule and the product terms and conditions.

At point of sale with a wide range of humm merchant partners. Go to www.hummloan.com to find out more.

Initially there will be limited merchants that offer humm but we are working hard to build out our network.