humm bird bnpl

Product profile

humm allows you to spread the cost of your purchase when buying
from any of our retail partners. See all the details about humm below.

How it all breaks down.



Minimum Application Amount


Maximum Amount


Total Maximum Finance at any one time


Eligibility Period

14 days

Interest Rate


Late Payment Fee

Late Payment Fee – £7 charged on the day after the payment due date if account is not up to date.

No of Repayments


Initial Payment

1 payment of 20% of the purchase price is due at time of purchase

Subsequent Repayments

4 equal fortnightly repayments

Repayment Frequency


Payment Processing

· Debit and Credit Cards Payments only

· Processed from the card details used at the time of purchase to make the Initial Payment

· Payments are processed at 7am each morning

Payment date

t2nd payment date can be any date within 14 days from the purchase date

Scheduled repayments

Fortnightly after the 2nd payment date

Payment Application

Payments are applied in the following order

1.     Outstanding Fees

2.     Capital

Additional Manual Payments Allowed


Manual Payments

·       Applied to reduce the outstanding balance

·       Do not replace the scheduled contractual payment which will be processed on the due date

Missed Payments

· Automatic retry for the payment amount only on the next day after the due date.

· If payment is declined again then on the next day the retry is for the payment amount plus the Late Payment fee.

· Two more attempts will be made to collect the payment

Repayment Date Changes

· Manual request by email to [email protected].

· Request must be received 48 hours before the payment due date.

Humm Group Limited (humm) – The loan agreement is exempt and therefore we do not need to be and are not regulated by the FCA.

Registered office: 3rd Floor, 2-4 Wellington Street, Belfast City, Belfast, BT16HT