Know what you need?
18+ years icon
18+ years
PPSN icon
Proof of address icon
of Address
Credit Card Icon
Current /
Debit Card
Earn 1500 monthly icon
Earn €1500 monthly
Good credit icon
Good credit

Apply for your humm account today

Embark on a smarter shopping journey with humm. By applying for a humm account, you can effortlessly spread the cost of your desired purchases. Our application process is swift, ensuring you receive a decision promptly. What’s more, we value transparency and fairness; hence, we don’t penalize early repayments and guarantee no concealed charges. Experience the future of finance in Ireland and start your application today.

Fast decision

Early repayments - no penalties

No hidden 

Notice: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications of €500 and above to Central Credit Register. This information will be held on the Central Credit register and may be used by other lenders when making decisions on Credit applications and credit agreements.

The Central Credit Register is owned and operated by the Central Bank of Ireland. For more information see


Documents Required

  • Be 18+
  • PPS Number & Address Proof
  • Be an Irish citizen or a permanent resident of Ireland
  • Earn a minimum taxable Income of €1500+ per month – joint / spouse account not acceptable
  • Have current debit / credit card
  • Have a good credit history

For more information visit our apply page

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*Fees, Terms and Conditions and minimum credit criteria apply. Subject to credit assessment and approval. humm is underwritten by FlexiFi Europe Limited, Company Number: 600124. Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.


New Customer

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.

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. 

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 payments plans will then be available to you.

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.