Get It Now, Pay Later
We offer humm as a payment option for our customers.
How does humm work?
Humm is the only ‘Buy Now, Pay Later’ service that’s perfect for both the ‘Little things’ and ‘Big things’ in life. It’s fast, easy to use and there’s a wide and ever-increasing range of places to shop.
To start humm-ing, simply click here or download the app and follow the steps. Once you’ve done that you’ll be able to see your account info and take the first steps on your interest-free forever.
Can anyone apply for humm?
Yes, but you need to…
- Be 18 years or older
- Be a permanent resident of Australia.
- Have a permanent job (at least 25 hrs/wk) or be on aged/veteran’s pension.
- Be sure you’re not insolvent (or declared bankrupt).
How do I buy ‘Big Things’?
Pre-approvals the way to go on this. Apply before you shop, through the humm app. Just tell us how much you’d like pre-approved (up to $10,000) or let us pick an amount for you. All you need to do is:
- Share access to your bank statements for information to help us in our approval process.
Once approved you’ll get a barcode which indicates the maximum amount that 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!). Buying online for Big Things is coming soon. Remember, pre-approval lasts 60 days.
Does humm use credit checks?
Let’s be clear and set your mind at ease on this one. Your credit score may be checked when you sign up to humm. But don’t worry, this won’t affect your credit score or leave a record on your credit file.
What fees are involved?
When you buy a ‘Big thing’ you’ll pay an establishment fee of $35 to $90 – depending on the amount you’re spending. Then you’ll pay $8 a month. When you buy a ‘Little thing’ with humm, there are no fees if you decide to repay your purchase over 2.5 months. If you choose to pay over 5 months, you’ll pay $8 a month.
You’ll only ever pay a single $8 monthly fee regardless of the number of ongoing ‘Big things’ or ‘Little things’ Payment Plans you have.
For more information on humm please visit https://www.shophumm.com.au/