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Frequently Asked Questions
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.
Popular FAQs
What is humm?
humm offers consumer financing to consumers by providing them with a new way to pay for purchases both online and in-store/in-clinic. With humm, you can make purchases up to $30,000 and pay over up to 60 months.
How do I close my account?
Once you’ve repaid your purchases in full, if you would like to close your account, please complete this form and select ‘Other’, include ‘I’d like to close my account’ in the message, and we will be in touch.
How do repayments work?
With humm, repayments are spread over time – over 6 bi-weekly repayments for purchases under $1,500, or up to 60 months for purchases between $1,501 – $30,000. When you apply for humm, we will ask you to connect a funding source for repayments. This funding source can be a bank account (through a Pre-Authorized Debit or PAD) or credit card. Repayments are then automatically deducted from the connected funding source when they are due. You can see your repayment schedule in the humm app or on the website.
How do I apply?
Visit our website or download our app and complete the information requested through the sign up process. 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 bureau hits.
What is humm?
humm offers consumer financing to consumers by providing them with a new way to pay for purchases both online and in-store/in-clinic. With humm, you can make purchases up to $30,000 and pay over up to 60 months.
How do repayments work?
With humm, repayments are spread over time – over 6 bi-weekly repayments for purchases under $1,500, or up to 60 months for purchases between $1,501 – $30,000. When you apply for humm, we will ask you to connect a funding source for repayments. This funding source can be a bank account (through a Pre-Authorized Debit or PAD) or credit card. Repayments are then automatically deducted from the connected funding source when they are due. You can see your repayment schedule in the humm app or on the website.
How do I close my account?
Once you’ve repaid your purchases in full, if you would like to close your account, please complete this form and select ‘Other’, include ‘I’d like to close my account’ in the message, and we will be in touch.
How do I apply?
Visit our website or download our app and complete the information requested through the sign up process. 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 bureau hits.
Unfortunately at this time, humm is not available to customers or merchants in Quebec – but we are working on it! We are looking forward to making humm available to all Canadians very soon.
We’re sorry to hear you didn’t get the amount you applied for. When assessing financing applications, each case is unique and we need to take a number of things into consideration, which can affect whether you get approved for an account and for the amount you requested. When you connect humm to your online banking, it gives us an opportunity to understand your income and spending habits—we want to make sure that you can comfortably meet humm’s repayment requirements.
An example of something that may affect your application is your repayment history with other vendors, such as your cell phone provider, hydro bill, or credit card.
We hope you will consider humm again in the future.
In some cases, we are unable to provide you with the limit you requested. We use proprietary technology to assess your application and provide you with the best limit based on that assessment. Over time, as we get to know you better and you use humm as a payment method, we may offer to increase this amount.
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.
It depends on your purchase amount.
For purchases under $17,500, we may do a soft credit check. This soft check will not impact your credit score.
For purchases over $17,501, we may do a hard credit check. This will show as an inquiry on the applicant’s credit score.
Make a purchase over $1,501 (a Big Things purchase), 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 will offer you one.
You may need to log into your online banking so that we can properly assess your application.
Once approved, your Big Things wallet will show the amount you’ve been approved for. When in-store you can let the store or clinic staff know you want to “pay with humm”, and they’ll help with the rest. If you’re shopping online, simply select humm as your payment method during the checkout process.
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.
When making a purchase with humm, both online and in-store or in a clinic, you will need to make the first payment at the time of purchase and the card or account you use to make this payment will automatically be used for the remaining payments.
During the application process, you may be asked to log into your financial institution. This connection helps us determine the outcome of your application.
In-store Purchases
When making a purchase in-store or in a clinic, let staff know you’d like to pay using humm. They will ask for your mobile number and humm will send you a purchase link via text message. Follow this link to complete your purchase using humm.
To make the checkout process quicker, we recommend downloading the humm app and pre-applying before you visit the store or clinic.
Online Purchases
When making a purchase online, simply select humm as your payment method during the checkout process. You will need to log into your humm account to complete the purchase. Once completed, you will be returned to the merchant’s website.
You can use humm in-store or online at participating humm partners. We building new partnerships everyday so that we can provide humm to more consumers!
We may ask for documents to assist us in verifying your identity or assessing your application for a humm payment plan. If we do require documents we will email you with our specific request. For more information on how we process your documents please see our privacy policy.
At humm, we do consumer financing 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 purchases over $1,501 – $30,000.
humm allows you to spread out the cost of your purchase when buying from any of our retail or clinic partners. We provide fixed sum payment options and each partner will offer a tailored set of payment options, so check the terms when you shop and pay with humm.
Here’s a simple chart to help you understand how Little Things and Big Things work:
| ‘Little Things’ |
|---|
| 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 available credit to spend again |
| ‘Big Things’ |
|---|
| 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 available credit to spend again |
Depending on the partner, humm may be offered online only, in-store or clinic only, or both. Here’s how you shop and pay with humm:
Online – simply go to any website that offers humm, choose humm at checkout and you’ll be taken to humm to sign-up and apply or, if you already have an account, select your payment plan. We are continuing to partner with more retailers and clinics across Canada – keep an eye out for new additions to the humm world.
In-store – open the humm app, create an account, and get your limit. Let the store or clinic staff know during checkout that you’d like to ‘pay with humm’, they will take your mobile number and you’ll receive a text message to click on and complete your purchase.
Please visit Terms & Conditions to review our full terms and conditions and detailed product information.
Visit our website or download our app and complete the information requested through the sign up process.
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 bureau hits.
Consumer financing (or Buy Now Pay Later / point-of-sale financing) is revolutionizing how the world shops. It provides consumers with a new way to pay for their purchases both online and in-store. That means, you can take your items home or get the services you need now and spread the payments over a pre-determined amount of time. Humm is able to finance purchases at any of our retail or clinic partners up to $30,000 and you can take up to 60 months to pay, depending on the partner.
There may be a monthly fee or interest on your purchase. Be sure to carefully review the payment plans presented during the checkout process.
Application checklist for a humm account:
- Age of majority in province/territory of residence
- Canadian resident (humm is currently not available to customers or merchants based in Quebec)
- Mobile number
- Email address
- Bank account and/or credit card
humm offers consumer financing to consumers by providing them with a new way to pay for purchases both online and in-store/in-clinic. With humm, you can make purchases up to $30,000 and pay over up to 60 months.
Once you’ve repaid your purchases in full, if you would like to close your account, please complete this form and select ‘Other’, include ‘I’d like to close my account’ in the message, and we will be in touch.
If you don’t recognize the sender or you’re uncertain about the authenticity of any emails, don’t open it and don’t click on any links or open any attachments.
To see your account balance, or how much you owe on all of your purchases made with humm, log into your humm account and you’ll see the outstanding balance and credit you have available on your dashboard.
You can change your address by going to Settings > Personal Details on the app or on the website. To change other details, complete this form and we will be in touch.
To change the registration mobile number on your account, please contact us here and a customer support team member will be in touch to help complete this request.
You can change the name on your humm account if your name has been legally changed. Just complete the form found here. We may ask you for a copy of an official document that shows your new legal name. You cannot transfer a humm account to another person.
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.
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.
Please report vulnerabilities or any security concerns as soon as possible so that we can review and improve the safety and reliability of our systems. To report a vulnerability, use the form found here on the hummgroup Responsible Disclosure Policy page.
If you can’t find the answer to your question above, you can send us a note by completing this form.
You can find the humm terms and conditions and other important documents on the Important Information page.
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.
If a payment is unsuccessful on the due date we will send you an SMS and an email to let you know. We will automatically retry the repayment method 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 or credit card. (Please note your financial institution may have charges if you try to make a payment with insufficient funds available.)
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.
Currently, you can only distribute payments among multiple contracts on desktop. We are working on bringing this feature to the humm app. When using the app, choose the agreement you’d like to make a payment towards, and this payment will be reflected in your contract balance within 24 hours.
On desktop, to distribute an ad hoc payment among several contracts, log into your humm account and from your Dashboard, click on ‘Go to Wallet’. From there, click on ‘Pay Any Amount’ and enter the amount you’d like to pay towards you balance. Ensure your funding source is correct, and click ‘Confirm’ to apply the payment. The amount will always automatically go towards paying off the payment due first.
If you pay off your humm contract on or prior to the agreed contract end date you will incur no additional fees.
No, there are no additional fees or charges when making repayments using a credit card.
To change your payment details go to Settings > Payment Methods to update your card or bank details. You can do this on the app or on the website. You can also make an unscheduled payment and check your balance on the app or website.
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 from your bank account 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 we will be in contact.
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 or card details you provided. You can then check your app or online account and attempt the payment again. If this fails, please contact us by completing this form.
Yes, you can pay off your humm contract 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 strive to provide our customers with affordability, which is why we try to keep our fees as low as possible: you may have to pay a monthly fee, depending on your payment plan. Purchases under $1,500 don’t have any fees or interest while purchases over $1,501 may have fees and interest attached to them, depending on the retailer or clinic and the payment plan you select.
If you have set up a Pre-Authorized Debit (PAD) in your humm account you can use it to make payments, except for the first payment which needs to be made with a credit card.
With humm, repayments are spread over time – over 6 bi-weekly repayments for purchases under $1,500, or up to 60 months for purchases between $1,501 – $30,000. When you apply for humm, we will ask you to connect a funding source for repayments. This funding source can be a bank account (through a Pre-Authorized Debit or PAD) or credit card. Repayments are then automatically deducted from the connected funding source when they are due. You can see your repayment schedule in the humm app or on the website.
To file a formal dispute, please complete the form found here. Please include as much information about your issue as possible. We may ask to see any photos, supporting documents, and/or names of people you’ve spoken to at the retailer or clinic.
Once we’ve received the dispute and are sure we have all the information we need, we’ll manage it with the retailer or clinic directly.
If you need to get a refund on purchases made with humm, please contact the retailer you made the purchase from, and they will be able to complete the refund in accordance with their refund policy.
If you need to make a return, please refer to the retailer or clinic’s return policy and complete their process. The merchant will cancel the transaction and 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 card or into your bank account. It may be 5-10 business days before you see the reversed transaction reflected on your statement.
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.
Still need help? Contact us.
Customer Support
Have a question? Click on the button below and complete the form. Our customer support team will get back to you.
1 844 944 0283Customer support hours
Mon – Fri 9:00am – 5:00pm ET
Merchant Support
Have a question? Click on the button below and complete the form. Our Merchant support team will get back to you.
1 855 695 2056Customer support hours
Mon – Fri 9:00am – 5:00pm ET
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