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:
‘Little Things’ |
Apply for up to $1,500 online or in the app
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Repay in 6 bi-weekly payments
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Make multiple purchases up to your limit. Repay and free up your available credit to spend again.
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‘Big Things’ |
Apply for up to $30,000 online or in the app
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Repay over 6 months all the way up to 60 months, depending on the retailer
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Make multiple purchases up to your limit. Repay and free up your available credit to spend again.
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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.