HUMMGROUP PRODUCTS

AUSTRALASIA'S MOST COMPLETE
FINANCIAL PRODUCT ECOSYSTEM

Our product ecosystem of buy now pay later, credit cards, and leasing products has been designed around the core needs of today’s shoppers, retailers, and small and medium enterprises. We have developed platforms for buying – or leasing – everything. We help people access not only the basics, like bus passes and groceries, but also fund significant life stages like home renovation, major dental and orthodontic work, fertility, and everything in-between, including life’s little luxuries. Our commercial customers also have a range of options to support them in building their businesses and driving the economy.

BUNDLL: BUY NOW PAY LATER
EVERYWHERE

PAWS

for 2 weeks

SNOOZE

repayments

SECURE

Apple Pay + Google Pay

SPENDING REDESIGNED FOR MILLENNIALS

bundll is a revolutionary buy now, pay later solution from hummgroup that allows customers to bundll payments so they can spend up to $1,000 on whatever they like, with at least 14 days to pay. Use it everywhere Mastercard is accepted, online and in store, with no minimum spend.
Need more time? See if you can snooze repayments. No fees. No hassle.
bundll bnpl fintech product
The first BNPL to work everywhere Mastercard is accepted, bundll offers consumers interest free terms on their daily purchases.
bundll is designed around the booming millennial market who are often credit averse.
The bundll concept is transforming digital payments and cash flow management for the gig economy and a generation of credit-averse consumers.
bundll is the only buy now, pay later product delivered via the Mastercard network, giving consumers a fully mobile digital payment solution available direct from their smartphone. bundll is available everywhere Mastercard is accepted.
bundll allows consumers to buy almost anything, from a coffee and a train ticket to weekly groceries or a litre of milk, and pay two weeks later – interest free.
bundll is available in Australia now and will be launched in New Zealand very soon.
Bundll and Superbundll are provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated

HUMM: BUY NOW PAY LATER
THE ONLY PLATFORM IN AUSTRALIA OFFERING $1 – $30K

$1-30K

interest free

56,000+

retail partners

60 MONTHS

to pay

BUY NOW PAY LATER AND GET ON WITH LIFE

humm provides a seamless interest-free payment platform with repayment options from 10 weeks up to 60 months, which makes the big things and the little things in life affordable.
In designing humm, hummgroup is redefining the buy now pay later category to cover home renovation, veterinary services, dental, optical, major furniture expenses and even fertility services. For the first time, consumers can go through what is normally a very expensive and emotional journey through IVF, with the confidence that the financial side of things is taken care of.
In July 2020, humm announced a partnership with BPAY, which means our customers can now use humm to pay for electricity bills, insurance premiums, school fees and more in easy slices, interest-free.
humm baby fertility bnpl
humm became the first BNPL provider to offer IVF and fertility services interest free in 2019
Spending simplified. humm’s success lies in the integrated offer of buy now pay later from $1 to $30,000
With a vast range of retailers in our network, hummgroup is proud to offer its customers increased flexibility in how they spend. Companies including IKEA, Myer, City Fertility, National Dental Plan, Smiggle, The Bali Bible and Michael Hill are amongst the big names who are part of the humm family.
humm has a simple sign-up process, underpinned by rigorous identity and background checking to prevent fraud and ensure we provide the product responsibly to customers who can afford it.
humm is available in Australia and New Zealand.

HUMM90 MASTERCARD
BUILT TO SHOP WITH 110 DAYS INTEREST FREE

BRAND CRUSH

10% weekly cash back

LTIF FACTOR

up to 60 months interest free

CONVERT

to interest free instalments

WHATEVER // WHEREVER // WHOEVER
BAG IT WITH HUMM90

Enabling both long term interest free (LTIF) finance and everyday spend, humm90 is designed for everyone who wants freedom in how, where and when they spend. Offering up to 110 days interest free on every purchase with no minimum spend, customers also have the flexibility to convert purchases of $250 or more into an interest free instalment plan across 9, 12 or 15 months, known as humm90WRAP. To make it easier and more affordable for customers to shop their favourite brands, an online marketplace will soon be added to the humm90 app with curated deals along with 10% cashback on eligible brands through a weekly Brand Crush.
humm90 replaces the Skye Mastercard card and all existing customers will be upgraded at no cost to a Platinum humm90 Mastercard card, which will soon have free Purchase and Price Protection Insurance.
humm group - h90  01
humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

HUMM PRO
BUY NOW PAY LATER. BUILT FOR BUSINESS.

humm pro is here, and with it a revolution in business cashflow. humm pro gives you access to up to $30K with flexible repayment options. Pay for all the things you need now to run your business and choose when you repay. Stay in complete control of your business cashflow.
You can use humm pro everywhere Mastercard is accepted both online and instore.

Q MASTERCARD®
NEW ZEALAND’S PERFECT SHOPPING PARTNER

3 MONTHS

no interest

3 MONTHS

no payments

NO

minimum spend

GENEROSITY BUILT IN AT EVERY LEVEL

hummgroup built Q Mastercard to be a credit card with interest free at its core. In a category preoccupied with ever diminishing rewards and loyalty point schemes, Q Mastercard is growing by providing simple, tangible value through offering interest free and payment holiday options, and is loved and used by customers across New Zealand.
Not only a traditional credit card, Q Mastercard’s footprint is amplified by a wide-ranging network of brands through which we can offer interest free terms and payment holidays that are exclusive to our card holders. Q Mastercard has long-term finance options built in, giving our customers breathing space to help them manage the cost of more expensive items like electronics, furniture, dental services, audiology and travel.
q mastercard fintech product
q mastercard fintech product
All of these features are available on this one card and, because it’s a Mastercard too, Q Mastercard is accepted all around the world.
With no minimum spend, Q Mastercard creates space for those wanting to buy the things that matter, giving them the confidence to create the life they want… and to live it.
© Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

FLEXICOMMERCIAL: A BUSINESS FINANCING SOLUTION
THE LIFEBLOOD OF SME BUSINESSES

flexicommercial
Introducing FlexiCommercial, hummgroup’s business financing solution. FlexiCommercial offers both buyers and sellers in a range of industries a simple, streamlined financing process that makes it easier to get on with the job.
Offering financing solutions including leasing and chattel mortgages, FlexiCommercial gives small and medium businesses a great opportunity to grow, whether through leasing or acquiring the assets they need to flourish.
Businesses, especially small businesses, are often time poor and cash poor. Equipment can become obsolete quickly, particularly technology and software. We know industry-specific and essential equipment is expensive. Our leasing option affords businesses the opportunity to access the latest technology and equipment via lease, reducing initial outlay, giving them room to grow, all with the potential for tax benefits.
FlexiCommercial knows that sometimes it’s critical for our customers to own their equipment. So we also offer customers the option to finance the purchase of their bigger assets through our chattel mortgage (or secured loan agreement in New Zealand).
FlexiCommercial streamlines financing solutions and allows sellers and brokers to offer financing options to customers with confidence. To find out more about FlexiCommercial contact 1300 340 447 (Australia) or 0800 444 857 (New Zealand).
© 2020. FlexiCommercial is provided by Flexirent Capital Pty Ltd ABN 93 064 046 046 (Flexirent).

NZ COMMERCIAL PRODUCTS
COMMERCIAL FOCUS

hummgroup New Zealand tailors a wide range of unique leasing solutions for businesses of all sizes across Enterprise, SME, Education and Retail. Through our network of trusted partners, we specialise in funding solutions for everything from laptops to LANs, data centres to dentist chairs, AstroTurf to automation software.
Want to know more about our commercial products?
Click through our brands below to learn more.

RETAIL

SMEs

EDUCATION

ENTERPRISE

RETAIL

hummgroup New Zealand partners with leading retail chains to provide leasing solutions for business customers. hummgroup has relationships with Harvey Norman, Noel Leeming, JB Hi Fi, PB Technologies, Sony, Yoobee and Office Max. These relationships allow hummgroup and retail partners to add significant value to our business customers across New Zealand.

SMEs

hummgroup is New Zealand’s foremost supplier of leasing technology to the SME (small and medium enterprises) sector. With products that offer both a tax effective* and cash-flow efficient way to make the latest business technology and equipment available. hummgroup leases have simple monthly payments and minimal red tape to enable business to get the equipment they need today to grow.

EDUCATION

hummgroup provides leasing through TRL Education and Equico. TRL is a sister company to hummgroup and is currently the provider of TELA the Ministry of Education teacher laptop program. Equico is New Zealand’s leading provider of leasing in education with school leasing specialists situated across New Zealand.

ENTERPRISE

hummgroup is one of the best known providers of Lease technology to the enterprise sector in New Zealand. With a strong association with Spark Digital through the acquisition of TRL in 2015, hummgroup is well positioned to provide a complete financing solution for all types of business assets to corporate and government bodies.