humm bird bnpl

Big Things Product profile

humm allows you to spread the cost of your purchase when buying
from participating retail partners. See all the details about humm below.

How it all breaks down.



Minimum Application Amount


Maximum Application Amount


Minimum Finance Amount


Total Maximum Finance at any one time


Eligibility Period

90 days

Interest Rate

From 3.99% to 11.99% (offers vary by retailer) 

Late Payment Fee

Late Payment Fee – €9.00 charged on the day after the payment due date if account is not up to date.

Repayment Frequency


Initial Payment

From €10.00 – 50.00 upfront fee (offers vary by retailer) 

Subsequent Repayments

6, 12, 24, 36, 48, 60, OR 72 monthly instalments including Account Fee (up to €20.00, offers vary by retailer)

Payment Processing

Equal repayments plus Account Fee

  • Debit and Credit Cards Payments only
  • Processed from the card details used at the time of purchase to make the Initial Payment
  • Payments are processed at 7am each morning

Payment date

Chosen at purchase

Scheduled repayments

Monthly after the payment date

Payment Application

Payments are applied in the following order

  1. Outstanding Fees
  2. Interest
  3. Capital

Additional Manual Payments Allowed


Manual Payments

  • Applied to reduce the outstanding balance
  • Do not replace the scheduled contractual payment which will be processed on the due date

Missed Payments

  • Automatic retry for the payment amount on the next day after the due date.
  • If payment is declined again then on the next day the retry is for the payment amount plus the Late Payment fee.
  • Daily attempts will be made to collect the payment.

Repayment Date Changes

  • Manual request by email to here
  • Request must be received 48 hours before the payment due date.

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