Shop like a pro and pay like
a genius with humm!
Shop like a pro and pay like a genius with humm!
Shop like a pro and pay like a genius with humm!
Black Friday is when the festive season really kicks off. You know the feeling. The first deals start to drop, the wish list gets a little longer, and every day Black Friday creeps a little closer. It’s the perfect time to find something special for the people who matter, from the gamer in the family to the one who’s always first up for a coffee. And let’s be honest, a little treat for yourself never hurts.
Some people plan Black Friday like a military operation, some prefer a slow browse from the sofa, while the others just wait and see what catches their eye.
However you do it, it’s worth looking forward to, and we’re just as excited as you are. humm is here to help, with the option to spread the cost of your purchases across easy payments. All that’s left to do is get comfy and humm it.
Smart Tech
Play it, fly it, love it!
Play it, fly it, love it!
Smart Health
The feel good edit!
The feel good edit!
Smart Home
Feet up, humm’s got this!
Feet up, humm’s got this!
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Smart Tech
Play it, fly it, love it!
Smart Health
The feel good edit!
Smart Home
Feet up, humm’s got this!
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.
Warning: If you do not meet the repayments on your BNPL agreement your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL agreement in the future.
Representative Example: A €1,489 loan over 36 months with a fixed interest rate of 20.89% APR (Annual Percentage Rate - the total cost of the loan including the interest rate and any fees and charges) for the duration of the term, has 36 monthly instalments of €52.92. In this scenario, the total amount repayable over the course of the loan is €1,946.21 and the total cost of credit is €457.21 (the total amount repayable less the amount of the loan).
Why get pre-approved with humm?
Don’t miss out this Black Friday!
Planner or browser, early bird or late-night scroller, Black Friday is yours to enjoy. And if spreading the cost of your purchases into easy intalments make it even better, humm is right here. Happy shopping!
Featured humm partners
- HUMM ONLINE
- HUMM IN-STORE
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.
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.
What our customers are saying
FAQs
Apply for humm
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What retailers can I use my humm credit with?
You can check all of our partners by clicking here. There you will be able to select the desired category and even filter the results by brand, location and purchase options: in-store and online.
Once you find the desired partner, choose 'get a quote' option and input the amount you wish to spend and the details of available payment plans will then be available to you.
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How does humm work?
We’re a retail instalment payment plan facility! In simple terms, we’re an easy alternative to paying with cash or credit card for goods offered by our Retail Partners.
humm allows you to spread the cost of your purchase across our partner stores. Each store has different plans to offer, so best check plans with your chosen partner store (retailer). It’s that simple!
Complete a humm application (please ensure that you are not using Internet Explorer) and we will assess it for you. If you are approved for finance with humm, you can use this approval to make purchases in multiple Retail Partner Stores!Once you're approved you can proceed to make the purchase (in-store or online) and only need to provide your mobile number at the checkout! You will have the option to view the terms before you complete the purchase contract both in store with the retailer sales representative or online checkout. It is important to do this as terms of contract differ from retailer, by amount and interest/fees. Please note that you will need to provide card details from where we will take the future installments.
You can use one single approval to purchase more than one product, and at more than one store too.
For fees and interest information including our interest free options, select the retailer you wish to use click here to shop. Once you have found the retailer you'd like to shop from, click on the get a quote button to see all available options for that retailer.
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Am I eligible for humm?
To be eligible for humm you must meet the following criteria:
- Be at least 18 years of age
- Provide proof of PPS number & address
- Be an Irish citizen or permanent resident of Ireland
- Earn a minimum taxable income of €1,500 per month- joint spouse/partner income not taken into consideration
- Have a current credit/debit card and a photo ID
- Have a good credit history
Unfortunately there is no way of predicting if you will be approved or not, or what is the maximum amount you can be approved. You will need to complete our application form and go through the assessment in order to get an answer.
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I don’t want to finance the entire purchase, can I part pay with humm?
Instore you can choose to pay some of the costs of the purchase using humm and cash/card for the balance.
This isn’t currently available through online checkout. You will need to have sufficient approval level to complete the online purchase with humm.















