humm buy now pay later

How humm works.

At humm, we do Buy Now Pay Later a little differently. Instead of just focusing on the little joys in life, we want to allow our customers to fund whatever they need, both big and little.
This means we’ve split our product in two:
Little things for all of your purchases up to $1,000,
and Big things for those purchases over $1,000 and all the way up to $10,000.
They each have their own set of rules for approval, but no matter what, we never charge interest – ever.

Lending criteria, $10 late fee, T&Cs apply. An establishment fee of $20 and a $2.50 monthly account fee applies to humm Big Things only.

What is humm?

humm little things icon

Buy ‘Little things’

  • Apply for up to $1,000
  • Repay in 5 fortnightly or 10 weekly slices
  • Repay and free up your balance to spend again​​​​​​​
humm big things icon

Buy ‘Big things’

  • Apply online or in-store for up to $10,000
  • Depending on where you shop and what you buy repay over 6, 9, 12 months all the way to 24 months

How to get humming.

Right here. Right now.

  1. Click here
  2. Apply for approval
  3. Get humming

When you shop online,

  1. Visit any humm retailer website
  2. At checkout, choose humm as your payment method
  3. Complete your humm purchase

When you shop in-store.

  1. Visit any humm retailer store
  2. Tell the store assistant you’ll pay with humm
  3. Complete your humm registration and purchase

Love it forever.
Pay interest never.

Up to $10,000

humm sign up icon

Sign up

humm shop icon

Shop now

humm till icon

Pay in slices

How it all breaks down

Little things


Big things


Time to pay

5 x fortnightly

10 x weekly


Monthly fee


Establishment fee*


Late payment fee




* charged at time of purchase

Any questions?

We’ve wrapped up some of the common questions in our FAQs below.
If we’ve missed something, you can get in touch with us here.

Get the humm app and buy now pay later.