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. Read more about how it all works.
humm is a Buy Now Pay Later service, providing consumers with a new payment option both online and in-store. With humm, you can shop not just the Little Things up to $1,500 but the Big Things as well, up to $30,000 and pay it later.
To get a humm account you need to:
- Be a Canadian citizen or permanent resident (humm is currently not available to residents of Quebec but we are working on it!)
- Be at least 18 years of age
- Have a valid Visa or Mastercard debit or credit card, or an American Express credit card
- Have never declared bankruptcy or insolvency
Read our Frequently Asked Questions to find out more information, and download the app to get started.
Buy Now Pay Later is revolutionizing how the world shops. It provides consumers with a payment option at the point of purchase, which means you can take your item home now, from Little Things like sneakers to Big Things like couches, and spread the payments over a pre-determined amount of time.
Visit our website or download our app and complete the information requested through the application form.
We will assess your application based on the details you provide us to determine if you are eligible to use humm. See below for further information on credit searches.
At humm, we do Buy Now Pay Later a little differently. Instead of focusing on the little joys in life, we want to allow our customers to buy whatever they need, both big and little. This means we’ve split our product in two: Little Things for your purchases up to $1,500, and Big Things for those purchases over $1,500, all the way to up $30,000.
humm allows you to spread out the cost of your purchase when buying from any of our retail partners. We provide fixed sum payment options and each retailer will offer a tailored set of payment options, so check the terms with your chosen retailer.
Apply for up to $1,500 online or in the app
Repay in 6 bi-weekly payments
Make multiple purchases up to your limit. Repay and free up your available credit to spend again.
Apply for up to $30,000 online or in the app
Repay over 6 months all the way up to 60 months, depending on the retailer
Make multiple purchases up to your limit. Repay and free up your available credit to spend again.
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 to humm to set up your account or, if you already have an account, select your payment plan. We are continuing to partner with more retailers – keep an eye out in the app or online for new additions to the humm world.
In-store – open the humm app, complete your humm registration if you haven’t done so already, create an account, and get your limit. Let the retailer know at checkout with the thing you want to buy, and they’ll take it from there.
You can use humm in-store or online at participating humm retailers. We are adding more retailers to the humm family every day.
You can shop online or in many cases in-store with any of our retail partners. Select your goods or services and at the checkout select the option to pay using humm. You will then be guided through the requirements to set up your payment plan and set up the repayments for it. You will need to make the first payment at the time of purchase and the card you use to make this payment will be used for the recurring payments to service the amount extended to you.
Yes, you can make one or more purchases from one or more retailers up to the maximum amount you are eligible for in your Little Things or Big Things wallet.
To buy a Big Thing, apply on the humm app before you shop, letting us know how much you’d like. If you don’t have a set amount in mind, we can offer you one.
You’ll need to log into your online banking so your financial institution can share information with us that will help us assess you for a Big Things amount.
Once approved, your Big Things wallet will show the amount you’ve been approved for. When in-store you can let the retail assistant know you want to “pay with humm”, and they’ll help with the rest, otherwise you can choose to pay with humm at the online checkout.
It depends on whether you’re shopping Little Things or Big Things. 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.
With Little Things, there is no hard credit check and you can be approved for a wallet of up to $1,500 instantly. Further credit criteria may apply to Big Things, with a hard credit check conducted for amounts over $17,500.
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.
In some cases, we do reduce the amount we give you, based on our assessment of the best limit to offer you. Over time, as we get to know you better and you use humm as a payment method, we may offer to increase this amount.
We’re sorry that you didn’t get the amount you applied for. We need to take a few things into consideration when we assess your application, which can affect whether you get approved for an account or for the amount you requested.
An example of something that may affect your application is your repayment history with other lenders and accounts (e.g. telco, utilities, and credit account). Accessing this information helps us determine if you can comfortably meet your repayment requirements.
However, there are other reasons we may choose not to approve your application based on the information you provide. Each case is unique, and we take into consideration additional factors like how much you earn, your spending habits and your employment status in order to make our decision.
We hope you will consider humm again in the future.
We are looking forward to making humm available to all Canadians! Keep your eyes on our socials and we’ll let you know when we are up and running in all provinces.
Open the app or visit your account online, and hit “forgot your password”. Enter the email address that you used to create your account and we will send you a link to reset your password.
Changing your card details is easy through the humm app or on the website by going to Settings > Payment Methods. Within the app or online account you can make a one-off payment and request an electronic statement.
You can change the name on your humm account if your name has been legally changed. Just drop us a line at [email protected] with a copy of an official document that shows your new legal name. You cannot change the name or transfer a humm account to another person.
You can change your residential address by going to Settings > Personal Details on the app or on the website. To change other details, complete this form and select ‘Contact details’.
All you need to do is login to your humm account on either the humm app or online and click on ‘Plan Details’ to find your account balance.
If you don’t recognize the sender or you’re uncertain about the authenticity of an email, don’t open it and don’t click on any links or open any attachments.
Other Questions or Need To Contact Us
You can find the humm terms and conditions and other important documents on the Important Information page.
Fees And Payments
With humm, repayments are spread over time – over 6 bi-weekly repayments for humm Little Things, or up to 60 months for humm Big Things. When you apply, you select a funding source for repayments which can be a bank account (through a Pre Authorized Debit (PAD)), Visa / Mastercard debit card or credit 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.
If you have set up a PAD with your humm account you can use it to make payments, except for the first payment which needs to be made with a credit or Visa / Mastercard debit card.
humm tries to keep its fees as low as we can: you may have to pay a set-up fee or a monthly fee, depending on your payment plan. Little Things purchases don’t have any fees or interest. Some Big Things purchases may have fees attached to them, depending on the retailer and the payment plan you choose.
Yes, you can pay off your humm agreement early without any additional fees or charges. You will only pay the balance owed on the date you make the payment. You can do this by logging into your humm app or online account and make a payment for the amount of your outstanding balance.
We suggest checking with your financial institution or card provider first to make sure the payment has not gone through and that there are no issues with the account details you provided or card. You can then check your app or online account and attempt the payment again. If this fails, please contact a member of our team online at [email protected] or call (844) 944 0283.
It may take up to 24 hours for a card payment to reflect in your outstanding balance in your app or online account. Automatic withdrawals may show as “pending” while your bank confirms the payment. If the payment does not appear after 24 hours please get in contact with our team by completing this form and selecting ‘Missing payments’ or emailing us at [email protected].
To change your payment details go to Settings > Payment Methods to update the card or bank details that we hold for you. You can do this on the app or on the website. You can also make an unscheduled payment and request a statement through the app or your online account.
No, there are no additional fees or charges from us for payment using debit/credit card. However, sometimes a credit card provider may classify this type of transaction as a cash transaction. Please check with your credit card provider to confirm if they will apply any additional fees to this type of transaction.
If you pay off your humm contract on or prior to the agreed contract end date you will incur no additional fees.
We are working on a solution to allow one payment to be split between your contracts. For now, choose the agreement you’d like to make a payment towards, and this payment will be reflected in your contract balance within 24 hours.
Payments are processed according to the agreed repayment schedule. Payments are processed regardless of the day of the week or if it is a public holiday. If your payment date is set for bi-weekly on a Sunday, the payment will always be processed bi-weekly on a Sunday. It is important to make sure funds are available for the payment.
If a payment is unsuccessful on the due date we will send you an SMS and an email to let you know of the unsuccessful payment. If the payment is not made on the due date we will automatically retry for the payment on the next day. We will send you reminders by email and SMS, and will make two further attempts to process the payment from your bank card. (Please note your financial institution may have charges if you try to make a payment with insufficient funds available.)
If you are experiencing financial difficulties or expect to have problems making your payments on time, please contact us as soon as you can. We are here to help and will work with you to find the right solution that fits your circumstances. You can reach our friendly support team by completing this form and selecting ‘Overdue payments’, calling (844) 944 0283, or by email [email protected].
Dealing With Retailers
View our store listings and get shopping with humm.
If you want to cancel a purchase you’ve made, you’ll need to do this through the retailer. They’ll get in touch with us to process the request.
If you need to return the goods, please refer to the merchant’s return policy and complete their process. The merchant will then cancel the purchase and this will cancel your payment plan agreement. The cancellation of the agreement will process a refund of any sums paid toward the payment plan back onto your credit or debit card.
If you need to get a refund on purchases made with humm, please contact the retailer you made the purchase from, and they will let us know to make the refund.
To file a formal dispute, please send us an email at [email protected] with ‘Attention Manager Regarding Dispute’ in the subject line. In the email, please include as much information about your issue as possible. Be sure to include any photos, supporting documents, contact information of people you’ve spoken to at the retailer, and anything else that you feel supports your claim.
Once we’ve received the dispute and are sure we have all the information we need, we’ll manage it with the retailer directly.