Let’s get
humming.

Here’s how it works// With humm you can Buy Now Pay Later, not just for little things, but for big things as well. humm allows you to spread the cost of your purchase across our partner stores.

Shop fashion, beauty, electrical, appliances and much more! Pay later with various instalment options.

humm humm hovering
  • HUMM ONLINE
  • HUMM IN-STORE

1

Apply or login

 You will be directed to the humm portal to login or apply.

If approved you can use your limit to shop with humm.

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 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.

Shop little. Shop big.

Little things

below €500
  • Shop for Beautyhumm Beauty icon orange
  • Fashionhumm Dress icon orange
  • Homewarehumm Homeware icon orange
  • and more.
  • Buy ‘Little things’ interest free below €500
  • Repay in 5 fortnightly or 3 monthly payments instalments 
     
     

Big things

up to €30,000
  • Shop for Jewelleryhumm Diamond icon orange
  • Appliancehumm Appliances icon orange
  • Techhumm Tech icon orange for size
  • and more.
  • Big things allows you to spend up to €30,000 with payment options up to 6 years. Payment options vary and will be detailed on the purchase page depending on the amount and retailer.
  • Little things

    below €500

  • Big things

    up to €30,000

Little things

below €500
  • Shop for Beautyhumm Beauty icon orange
  • Fashionhumm Dress icon orange
  • Homewarehumm Homeware icon orange
  • and more.
  • Buy ‘Little things’ interest free below €500
  • Repay in 5 fortnightly or 3 monthly payments instalments 
     
     

Big things

up to €30,000
  • Shop for Jewelleryhumm Diamond icon orange
  • Appliancehumm Appliances icon orange
  • Techhumm Tech icon orange for size
  • and more.
  • Big things allows you to spend up to €30,000 with payment options up to 6 years. Payment options vary and will be detailed on the purchase page depending on the amount and retailer.

A flexible way to pay.

Our rates and terms are flexible depending on the amount you need.

€80 – €499.99

€500 – €999.99

€1000+

Pay bi-weekly or monthly

Pay over 6 – 12 months

Pay over 24 – 72 months

See our top brands that you may be interested in:

FAQs

Making Changes

You will have the option at the time of purchase 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. Once you accept the terms you will have an option of a 14 days cooling off period to cancel the order with the retail (see cancellation process details in our FAQ’s for further details).

If you were approved within the past 90 days you may be able to request a limit increase, though depending on the amount a new application may be required
Please contact our agents on chat at apply.humm.ie to confirm.

My Account

Yes, you can pay off your humm Agreement early without any additional fees or charges. You will only pay the balance owing (including interest) up until the point of closure.

You can make additional payments at any time, and you can do this as often as you like – simply log in to your online customer portal (you will have received an email about logging in when you made your purchase), and clicking on your agreement number, and click making a “One-Off Payment”. As we said, you can do this is as often as you like!

The first payment on our no interest / no fees products is 14 days from the date of purchase for fortnightly contracts and 31 days for monthly contracts.

For our other loans products you can choose your first payment date within 31 days of the purchase date (best to choose a date around expected income as the payment date may not be changeable in the future).

New Customer

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 €1,000 per month
  • Have a current credit/debit card and a photo ID
  • Have a good credit history

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!

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.

Please click here, input your selected partner into the search bar on the top left hand corner, choose ‘get a quote’ and input the amount you wish to spend and the details will then be available to you.

• Passport
• Irish Driving License

We may be able to accept other documents such as European Driving Licences or Garda Age Card ID cards. They must show your Name and Date of Birth on the front page. We cannot accept Public Service Cards under any circumstances.

As proof of earnings / PPS Number verification your most recent Payslip maybe required. If you’re self-employed, not employed / receiving benefits or payslip does not contain your PPS Number, we’ll request an alternative document such as Tax Credit Certificate / Form 11, medical card etc.

We will require Bank statements within the last 3 months showing a minimum of 35 days transactions. We may seek an alternative document as proof of address, which must be dated within the past 6 months such as:
• A utility or landline telephone bill
• Department of Social Protection letter or Revenue certificate
• Insurance Policy
• Mortgage Loan Offer
• Lease or Tenancy Agreement

Instore you can choose pay some of the cost of the purchase using humm and cash/card for the balance.
This isn’t currently available through online checkout. You will nee to have sufficient approval level to complete the purchase with humm.