humm UK

Transform your home now, pay later with humm.

Transform your home

Whether it’s a kitchen makeover, a new bathroom, or essential repairs – spread the cost easily with flexible finance from humm. Upgrade your home today and  pay in a way that works for you.

Paying late may negatively impact your financial status and ability to obtain credit.

Shop with our trusted
home improvement partners

We work with top UK home improvement brands to make your dream renovations a reality. Choose from a wide range of trusted partners and finance your project with humm.

Why choose humm
for home improvements?

Flexible repayments

Choose a payment plan that suits your budget.

Instant decisions

Quick approval means you can start renovating right away.

Increase your budget

Access better materials & bigger upgrades affordably.

How it works

Step 1

Apply in minutes

Fast, simple online application.

Step 2

Fast approval

Receive instant approval with clear payment terms.

Step 3

Select a retailer

Choose from our network of trusted UK home improvement partners.

Step 4

Start renovating

Begin your project and enjoy hassle-free repayments.

Representative Example

Loan Amount

£10,000

Term

5 Years

Monthly Payment

£211

Cost of Credit

£2,718

Interest Rate p.a.

9.9% (variable)

Total Cost

£12,718

9.9% Representative APR (variable)

Interest rates are available from 0% to 19.9%, depending on the retailer and your personal circumstances. Fees may apply to some loans.

Real people. Real transformations

Very simple process to apply for interest free credit. Various options of repayment to suite all circumstances. Will definitely use humm again when purchasing furniture in the future.

Verified Customer

I’ve had many agreements with Humm over the years and they’re great. The customer service is unparalleled! Spoke to Connor today and was sorted in no time. Thanks, Humm and looking forward to more fruitful agreements in the future.

Verified Customer

The process was straightforward and less complicated, unlike some others that I have tried before. This is my second time with Humm, and there are no hidden feeds or charges. Everything is clearly spelt out, and their rate or plan is among the best in the market. I definitely recommend Humm to anyone thinking of using them.

Verified Customer

Compliance

Authorised and regulated by the Financial Conduct Authority (FCA).

Responsible Lending

Committed to responsible lending for your financial wellbeing.

Transparency

Transparent, regulated credit solutions.

Ongoing support

humm provides help and guidance throughout the journey.

Frequently asked questions

As a responsible lender, we are committed to ensuring that our customers have access to the information and support they need to make informed financial decisions. To apply for an agreement with humm, you must meet the following eligibility criteria:
- You must be at least 18 years old.
- You must have a regular income of at least £1,000 per month.
- You must have been a resident of the UK for at least 6 months.
- You must have a UK debit or credit card in your own name.
- You must have a UK ID document, such as a driving licence or passport.
Please note that meeting these eligibility criteria does not guarantee that your application will be approved, as we assess each application on a case-by-case basis. Our aim is to provide you with a fair and responsible lending experience that meets your financial needs while ensuring that you can afford the repayments.

If you have any questions or concerns regarding your eligibility for humm, please do not hesitate to contact us here. We will be happy to assist you and provide you with further information on our application process.
At humm, we offer a simple and convenient alternative to paying with cash or card for goods from our retail partners. With humm, you can spread the cost of your purchase by applying for a fixed sum loan. Each retailer offers a tailored set of loan terms, so it's best to check the terms with your chosen retailer by using our quote calculator.

To get started, complete a humm application and we will assess it for you. If you are eligible for credit from humm, you can use the credit to make purchases from one or multiple of our retail partners, both in-store and online.

You will then pay back the loan over the agreed term, making payments to humm based on the terms agreed at the time of the purchase. The first payment is due at the time of purchase, and late payment fees will apply if you do not make a payment on time.

Please visit our Terms & Conditions to review our full terms and conditions and detailed product information. As a responsible lender, we are committed to providing you with a transparent and fair lending experience that meets your financial needs while ensuring that you can afford the repayments. If you have any questions or concerns about how humm works, please do not hesitate to contact us here
To apply for credit with humm, you must have a UK debit or credit card in your own name, and have a UK ID document (such as a driving licence or passport).

Most applications do not require any other documents, but we may sometimes require more information or documents from you to fully review your application and make sure the loan is right for you. We do this to ensure that we are upholding our commitment to lending responsibly and meeting the requirement by the Financial Conduct Authority (FCA) to deliver good outcomes to our customers.

If we require any more information or documents, we will communicate this to you via email and specify the exact documentation that we need. We will handle your personal information with the utmost care and process your documents in accordance with our Privacy Policy.

We understand the importance of safeguarding your personal information and will take all necessary measures to protect it. Our commitment to responsible lending practices ensures that we process your application with transparency and fairness.

If you have any questions or concerns regarding the documentation required for your application, please do not hesitate to contact us here

We will be happy to assist you and provide you with further information on our application process.
If you are interested in applying for humm, you can do so easily by visiting our website or mobile app. The application process is quick, easy, and entirely online. Many applicants receive an instant decision about their application.

Here are the steps to apply for a humm account:
- Visit our website.
  
  Click on the "Apply Now" button or link, which will take you to our application form.
  
  Fill out the application form with your personal details, such as your name, address, and contact information. You will also be asked to provide your employment details and financial information to determine your eligibility.
  
  Once you have completed the application, submit it for review. You will receive a decision on your application, and if approved, you can start using your humm credit right away. For more information on completing your purchase click here
humm is authorised and regulated by the Financial Conduct Authority (FCA), and we are committed to responsible lending practices and will ensure that your application is processed with the highest level of security and confidentiality.

Please note that while we strive to provide an instant decision on your application, in some cases, we may require additional information to fully assess if the loan is right for you. If this is the case, our team may reach out to you for more information. Please provide the information requested as soon as possible, so that the team can review your application and ensure that the loan is right for you.

If you have any questions or require assistance with your application, please contact us here.
humm believes in treating customers fairly and ensuring that we act as a responsible lender is always at the forefront of our decision making. Unfortunately, this sometimes means that we are unable to approve a credit application.

There are many reasons why we may have turned down your application for credit, these include:
- Your credit score is not strong enough
- Negative information on your credit file, such as records of payments you’ve missed
- A decision was made that you would not be able to afford to repay the credit you have applied for
- Information on your file suggesting fraudulent activity
- A question mark about your identity or address
- Our legal or policy condition
If you feel as through the above does not apply to you, please feel free to contact us via email at [email protected] and our team can look into the decision further.

To find out more about your own personal credit score, please visit either www.transunion.co.uk or www.creditkarma.co.uk where you can view your own credit report which may give you a further insight into why your application was unsuccessful.
Follow these steps to make a purchase with humm:
1. Choose a retailer that accepts humm as a payment option. You can find a list of retailers on the humm website.
  
  Add items to your cart with the retailer (either online or in-store) and proceed to checkout.
  
  Select humm as your payment option at checkout.
  
  If you do not already have an approved credit application with humm, you will be asked to complete a credit application (including a hard credit search).
  
  If approved, choose the payment plan that suits you. You can choose to pay in instalments over several weeks or months.
  
  Confirm your payment details and complete your purchase with the retailer.
humm will then automatically take payments using the debit or credit card you provided when making the purchase on the dates shown in your loan agreement.

As a customer, it is your responsibility to carefully read and understand the terms and conditions included with the loan agreement when humm as a payment option. The terms and conditions will also explain any fees and charges.

If you have any concerns or questions about using humm, you can contact us here

Need more help?

Visit our Help & Support page for more information.

Transform your home

Shop with our trusted home improvement partners

Why choose humm for home improvements?

Flexible repayments

Choose a payment plan that suits your budget.

Instant decisions

Quick approval means you can start renovating right away.

Increase your budget

Access better materials & bigger upgrades affordably.

How it works

Apply in minutes

Fast, simple online application.

Fast approval

Receive instant approval with clear payment terms.

Select a retailer

Choose from our network of trusted UK home improvement partners.

Start renovating

Begin your project and enjoy hassle-free repayments.

Representative Example

£10,000

5 Years

£211

£2,718

9.9% (variable)

£12,718

9.9% Representative APR (variable)

Real people. Real transformations

Very simple process to apply for interest free credit. Various options of repayment to suite all circumstances. Will definitely use humm again when purchasing furniture in the future.

Verified Customer

I’ve had many agreements with Humm over the years and they’re great. The customer service is unparalleled! Spoke to Connor today and was sorted in no time. Thanks, Humm and looking forward to more fruitful agreements in the future.

Verified Customer

Verified Customer

Compliance

Responsible Lending

Committed to responsible lending for your financial wellbeing.

Transparency

Transparent, regulated credit solutions.

Ongoing support

humm provides help and guidance throughout the journey.

Frequently asked questions

Am I eligible to apply for humm?

How does humm work?

What documents are required to apply for credit with humm?

How do I apply for credit with humm?

What are some reasons why a credit application may be turned down, and how can I find out more about my credit score and report?

How do I make my purchase using humm?

Need more help?

Ready to make your dream home a reality?

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Fine print

flexifi has rebranded to humm and we have plenty of features that we think you’re gonna love! FAQs

Shop with our trusted
home improvement partners

Why choose humm
for home improvements?