New to humm? Apply today and if approved you’ll get $15 credit back on your first purchase^. No minimum spend.

With humm, you can buy now and pay later. You can humm up to 10 grand*, and all purchases are always interest free.

SIMPLY apply between 1 – 30 June 2021, and if approved use humm once (or more) before 30 June 2021 and you’ll get $15 credit back^. There’s no minimum spend and this offer available once per customer. Once approved shop at one of our humm merchants, and we will apply the credit back by 15 July 2021. It’s that simple.

See full T&C’s for details. With humm Little things approvals are instant (if you qualify), so you can start shopping right away. You can apply online or via our app, then shop online, or in-store via our app.

Get humming.

*Lending criteria, $10 late fee, T&Cs apply. Establishment fee $20 and a $2.50 monthly account fee applies to Big things only.

Apply for humm*

Apply for humm and you could be approved for up to $1,000 for humm Little things or up to $10,000 for humm Big things (Subject to lending criteria, fees, T&Cs*)

  humm Little things lets you pay in 5 fortnightly, or 10 weekly instalments. With humm Big things you have a range of repayment options from 6 months up to 24 months depending where you buy and how much you spend.

*Lending criteria, $10 late fee, T&Cs apply. Establishment fee $20 and a $2.50 monthly account fee applies to Big things only.
sign up to humm^

How to get humming.


Sign up^ or log into humm.


Start spending at all your favourite humm retailers.


Shop now and get credit back^

Get humming with the app

*Lending criteria, fees, terms and conditions apply. For buying ‘Little things’, you can apply for up to $1,000 with humm. Choose to repay fortnightly in 5 slices or weekly in 10 slices. For buying ‘Big things’ you can apply for up to $10,000 – so you can shop with confidence and repay over 6-24 months depending on what you purchase. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big things only. A $10 late fee applies to humm Little things and Big things.

^Promotional terms and conditions:
1.Promotional offer valid for all new humm accounts opened from approved online or via our app between 1 June 2021 and 11:59pm NZST 30 June 2021 (inclusive) (“Offer Period”).
2. To be eligible to redeem this offer you must make your first purchase using humm between 1 June 2021 to 11:59pm NZST 30 June 2021 at a humm retailer. There is no minimum spend.
3. Offer strictly limited to new customers. Offer strictly available to one per customer.
4. Eligible new humm customers approved during the Offer Period will receive a $15 credit back on their humm account (“Creditback”).
5. The $15 Creditback will be applied by 15 July 2021 to your humm account or nominated payment method (as applicable).
6. The Creditback is not negotiable or redeemable for cash.
7. Any humm account that has been cancelled or suspended before 30 June 2021 will be ineligible to receive the Creditback.
8. To be eligible for a Creditback, an account must not be in arrears at the time the credit back is applied.
9. Any purchases made on humm during the Offer Period that have been cancelled, refunded, returned or suspended before the Creditback applied date will be considered an ineligible entry.
10. The entity responsible for this promotion is Flexigroup (New Zealand) Limited (“Promoter”).
11. The Promoter reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice.
12. Any decisions made by the Promoter in relation to the Creditback promotion are final and no correspondence will be entered into.
13. Entry into the Creditback promotion is deemed acceptance of these terms and conditions.
14. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Creditback offer.
15. humm terms and conditions apply.