How it works
With humm finance you can spread the cost of your purchase!
How it works
With humm finance you can spread the cost of your purchase, not just for little things, but for big things as well!
APPLY NOW
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How it works
With humm finance you can spread the cost of your purchase, not just for little things, but for big things as well!
APPLY NOW
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Next slide

How humm works

With humm, you can spread the cost of purchases up to €30,000 when buying online or in-store from any of our retail partners.  This can help you manage your finances and make larger purchases more affordable.  Please keep in mind that humm is a form of credit and it’s important to consider your ability to repay the amount borrowed. When you use humm credit, the total amount you will have to pay depends on:

humm 1 Amount Borrowed

The 
amount borrowed

humm 2 Credit Agreement

The term of the credit agreement

humm 4 Application Fee

The application fee

humm 5. Monthly Account

Any monthly account keeping fees

humm 3 Interest Rate

The interest rate (and any interest free period)

humm 1 Amount Borrowed

The amount borrowed

humm 2 Credit Agreement

The term of the credit agreement

humm 3 Interest Rate

The interest rate
(and any interest free period)

humm 4 Application Fee

The application free

humm 5. Monthly Account

Any monthly account keeping fees

Available credit terms, interest rates and fees will vary between retailers.  More information about the range of interest rates, fees and charges that apply to our credit agreements is available here.

The following example shows the total cost of credit for a loan of €800 over 12 months and is calculated on the assumption that all payments are made on the due date.

You may also have to pay a late fees, if any payment you are required to make under the terms of your agreement is more than 24 hours late.

You can also use the quote function to view the credit terms available for each retailer. Visit any of our retail partners at Shop | humm Ireland and click GET QUOTE to see available credit terms before you buy.

Amount of Credit
€800.00
Term
12 months
Amount rate of interest (variable)
4.99%
Application fee
€15.00
Account keeping fee
€2.00 per month
APR
14.90%
Total cost of credit
€60.77
Total amount payable
€860.77
Amount of Credit
€800.00
Term
12 months
Amount rate of interest (variable)
4.99%
Application fee
€15.00
Account keeping fee
€2.00 per month
APR
14.90%
Total cost of credit
€60.77
Total amount payable
€860.77

Available credit terms, interest rates and fees will vary between retailers.  More information about the range of interest rates, fees and charges that apply to our credit agreements is available here.

The following example shows the total cost of credit for a loan of €800 over 12 months and is calculated on the assumption that all payments are made on the due date.

You may also have to pay a late fees, if any payment you are required to make under the terms of your agreement is more than 24 hours late.

You can also use the quote function to view the credit terms available for each retailer. Visit any of our retail partners at Shop | humm Ireland and click GET QUOTE to see available credit terms before you buy.

KNOW WHAT YOU NEED TO APPLY

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.

FEATURED HUMM IRELAND PARTNERS

GET UP AND HUMMING

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 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.

A flexible way to pay.

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

humm Ireland repayment icon

€80 - €499.99

Pay fortnightly or monthly.

humm Ireland repayment icon 2

€500 - €999.99

Pay over 6 -12 months.

humm Ireland repayment icon 3

€1000+

Pay over 24 - 72 months.

GET UP AND HUMMING