As a responsible lender, there are times when we may not be able to approve an application for finance.

We assess applications using a variety of information, including:

• Details provided in your application form, such as income, employment history, and expenses

• Financial documents submitted with your application

• Your Central Credit Register report, which includes current and historical finance information

• Your repayment history on past or current contracts with humm

⏳ What Happens Next?

If your application has been declined:

• You must wait 90 days before submitting a new application.

🔍 Requesting a Review

If you would like us to review your declined application, please email us at [email protected] using the same email address you used in your original application.

📄 Accessing Your Credit Report

To order a free copy of your Central Credit Register report, please visit Borrower Area