Shop at Vayo Pearls, pay later with humm
ONLINE //
Shopping at Vayo Pearls just got easier. With humm, you can buy now and pay later with regular, interest-free instalments.
If you’re new to humm little things, you can apply while you checkout with Vayo Pearls by following the prompts. Approvals are instant (if you qualify), so you can start shopping right away.
Alternatively, you can download the app or sign up on online.
If humm big things is available at Vayo Pearls, you can apply via app or online (lending criteria, fees and T&Cs apply).
HOW TO SHOP ONLINE WITH HUMM
To shop online, select humm at the checkout. You’ll be taken through to humm to get payment sorted.
APPLY FOR HUMM
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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:
• Be an Australian citizen or permanent resident.
• Be at least 18 years of age.
• Be permanently employed working at least 25 hours per week or receiving an aged or veterans pension;
• Have never declared bankruptcy or that your about to become or are insolvent.
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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