Humm bird flying up logo

Regulated Product profile

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

How it all breaks down.



Minimum Application Amount


Maximum Application Amount


Minimum Finance Amount


Total Maximum Finance at any one time


Eligibility Period

90 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.

Repayment Frequency


No of Repayments

12, 24, 36, 48, or 60

Initial Payment

£25 upfront fee

Subsequent Repayments

12, 24, 36, 48, or 60 monthly instalments including Account Fee

Payment Processing

Equal repayments plus £3.50 monthly account-keeping fee

  • 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

Chosen at purchase

Scheduled repayments

Monthly after the payment date

Payment Application

Payments are applied in the following order

  1. Outstanding Fees
  2. Interest
  3. 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 here
  • Request must be received 48 hours before the payment due date.

Humm Group Limited (humm) – Any loan agreement associated with this product profile is regulated by FCA regulation.

Representative Example

7.97% APR Representative based on a loan of £3,500 repayable over 36 months at an interest rate of 4.99% pa (variable) with a £25 upfront Application Fee and a Monthly Account Fee of £3.50.

Repayable by 35 Monthly Payments of £108.40 followed by a Final Monthly Payment of £108.27 (payments include monthly account fees). Total amount payable £3,927.27.

Representative APR applies to loans of £1,000 – £15,000 over 1 to 4 years.