GET UP AND HUMMING
How humm works
.With humm, you can spread the cost of purchases up to €30,000 when buying online or in-store from any of our retail partners. This can help you manage your finances and make larger purchases more affordable. Please keep in mind that humm is a form of credit and it’s important to consider your ability to repay the amount borrowed. When you use humm credit, the total amount you will have to pay depends on:
The
amount borrowed
The term of the credit agreement
The application fee
Any monthly account keeping fees
The interest rate (and any interest free period)
The amount borrowed
The term of the credit agreement
The interest rate
(and any interest free period)
The application fee
Any monthly account keeping fees
Available credit terms, interest rates and fees will vary between retailers. More information about the range of interest rates, fees and charges that apply to our credit agreements are detailed below.
You can also use the quote function to view the credit terms available for each retailer. Visit any of our retail partners at Shop | humm Ireland and click GET QUOTE to see available credit terms before you buy.
Amount of Credit
€800.00
Term
12 months
Amount rate of interest (variable)
4.99%
Application fee
€15.00
Account keeping fee
€2.00 per month
APR
14.90%
Total cost of credit
€60.77
Total amount payable
€860.77
|
Interest Rate (variable) |
From 0% – 14.99% per annum(offers vary by retailer).
Interest is calculated daily on the outstanding loan balance
and charged monthly on the instalment payment date. |
|
Application Fee (if
applicable) |
From €10.00 – €50.00 (offers vary by retailer).
Any Application Fee is payable on the date of purchase
and is not added to the amount borrowed. |
|
Account Keeping Fee (if
applicable) |
From €1.00 – €20.00.
Any Account Keeping Fee is added to the monthly
payment amount and charged on the instalment payment
date. |
|
Dishonour Fee |
€9.00 charged if payment is not made within 24hrs of
the due date i.e. by 9am the next day.
If unpaid, the Dishonour Fee will be added to the
outstanding loan balance and interest will be charged at
the applicable Interest Rate. |
Our Rates, Fees and Charges
Available credit terms, interest rates and fees will vary between retailers. More information about the range of interest rates, fees and charges that apply to our credit agreements are detailed below.
You can also use the quote function to view the credit terms available for each retailer. Visit any of our retail partners at Shop | humm Ireland and click GET QUOTE to see available credit terms before you buy.
|
Interest Rate (variable) |
From 0% – 14.99% per annum (offers vary by retailer).
Interest is calculated daily on the outstanding loan balance
and charged monthly on the instalment payment date. |
|
Application Fee (if
applicable) |
From €10.00 – €50.00 (offers vary by retailer).
Any Application Fee is payable on the date of purchase
and is not added to the amount borrowed. |
|
Account Keeping Fee (if
applicable) |
From €1.00 – €20.00.
Any Account Keeping Fee is added to the monthly
payment amount and charged on the instalment payment
date. |
|
Dishonour Fee |
€9.00 charged if payment is not made within 24hrs of
the due date i.e. by 9am the next day.
If unpaid, the Dishonour Fee will be added to the
outstanding loan balance and interest will be charged at
the applicable Interest Rate. |
Example
The following example shows the total cost of credit for a loan of €800 over 12 months and is calculated on the assumption that all payments are made on the due date.
Amount of Credit
€800.00
Term
12 months
Amount rate of interest (variable)
4.99%
Application fee
€15.00
Account keeping fee
€2.00 per month
APR
14.90%
Total cost of credit
€60.77
Total amount payable
€860.77
FEATURED HUMM IRELAND PARTNERS:
2
Shop now online
Visit a humm retailer website, add your items to your shopping cart, click checkout.
If humm is an available checkout option, you’ll be directed to our purchase page to complete your purchase.
(Note: You can not part pay online.)
3
Complete purchase
Ensure your total purchase is equal to or less than your approved amount.
Once you are logged in, follow the steps to complete a purchase.
1
Have a humm approval
Have your mobile ready as you will need to provide your humm acceptance code to complete the purchase.
If you do not have an approval, you will need to apply for before going in-store.
2
Shop with in-store humm retailers
Visit any humm retailer store.
At the checkout tell the store assistant you would like to pay with humm. You can use your full approval or part pay with humm.
3
Complete purchase
The store assistant will help you complete the process.
HUMM ONLINE
HUMM IN-STORE
HUMM ONLINE
2
Shop now online
Visit a humm retailer website, add your items to your shopping cart, click checkout.
If humm is an available checkout option, you’ll be directed to our purchase page to complete your purchase.
(Note: You can not part pay online.)
3
Complete purchase
Ensure your total purchase is equal to or less than your approved amount.
Once you are logged in, follow the steps to complete a purchase.
HUMM IN-STORE
1
Have a humm approval
Have your mobile ready as you will need to provide your humm acceptance code to complete the purchase.
If you do not have an approval, you will need to apply for before going in-store.
2
Shop with in-store humm retailers
Visit any humm retailer store.
At the checkout tell the store assistant you would like to pay with humm. You can use your full approval or part pay with humm.
3
Complete purchase
The store assistant will help you complete the process.
A flexible way to pay
Our rates and terms are flexible depending on the amount you need.
€80 - €499.99
Pay fortnightly or monthly.
€500 - €999.99
Pay over 6 -12 months.
€1000+
Pay over 24 - 72 months.
GET UP AND HUMMING
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