Let’s get
humming.

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.

Here’s a simple chart to help you understand how Little Things and Big Things work:

You can buy online or in-store with some of our merchant partners, 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 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.

Please visit Terms & Conditions to review our full terms and conditions and detailed product information.

We may ask for documents to assist us in verifying your identity or assessing your application for a humm payment option. 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.

You can use humm in-store or online at participating humm retailers. We are adding more retailers to the humm family every day.

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.