You can do it 2 ways.

If you know exactly what it is you want to purchase, the amount you request should be based on the value of purchase you want to make.  It’s not like a credit limit, it’s an available amount of funds to make a single big thing purchase.  

If you are still looking, pre-approvals are the way to go. Apply before you shop through the humm app and tell us how much you’d like. We’ll assess your pre-approval amount on your ability to pay this amount back over a 6 month period.

Once approved you’ll get a barcode which indicates the maximum amount you can spend. If you’re in-store, simply show the staff your barcode and they’ll be able to access your magic number (AKA ‘pre-approval amount!’). Remember, pre-approval lasts 90 days.

To fulfil our obligations as a responsible lender, if you want to purchase something else with your big things wallet, you need to go through an application again.