How humm® works

Find humm at participating retailers both in store and online

What is humm?

humm is a product designed to make borrowing convenient and accessible for everyone.

With a focus on innovation and customer satisfaction, humm offers tailored plans to meet individual needs.

What you can expect as a customer:

Funds in your favour

humm helps you reach your goals faster by providing fast finance for the things you need now.

Borrow up to $50,000

Tell us how much you need and we’ll do the rest.

Available in participating stores

Find humm at participating merchant stores.

Flexible payment options

Choose a payment day and frequency that works for you. Repay early without penalty.

Exit early, no additional fees

Pay off purchases of up to $50,000 at your own pace. You can pay off humm early – the entire loan, or any amount – any time without penalty.

Easily manage humm with our app

Use the humm app to view your purchases, plan your next payment and manage your cash flow.

humm in-store

humm online

humm in-store

humm online

Eligibility criteria

Before you apply for humm, there are some criteria you need to meet.

*Approval subject to credit assessment criteria. Fees, charges and terms and conditions apply.

Frequently asked questions

humm is humm group’s new product that provides our customers with the flexibility to make their purchases at a point of sale in our merchant network to manage their spending and cash flow. Listening to our customers about their changing needs in the current climate and working closely with our merchant partners, we have designed this product in compliance with the National Credit Code (“NCC”) and other relevant laws dealing with consumer credit.

With humm, you can borrow up to $50,000 and pay it back in monthly or fortnightly instalments over 3 – 120 months*. You can access the new humm app or your online account to review your loan and manage your repayments.

*Fees, charges and interest (if applicable) vary depending on the product type, merchant and the amount of credit. Approval subject to credit assessment criteria.
When making a purchase with humm, you can apply instore at any of our merchant stores. Check out humm merchants here. Your merchant will guide you through the application process and a decision will be provided in minutes if all information required for assessment is provided.

Depending on the value of the goods or service and your personalised assessment, you may be offered loan terms* of between 3 and 120 months*.

You can view our How it Works page for more details.

*Minimum and maximum purchase amounts and available loan terms differ between stores. Fees, terms and conditions apply.
You can apply for humm by clicking on “Apply now”” on our website or downloading the humm app from the App Store of GooglePlay. You can apply for a credit limit and will be guided through the application process. You will also be given a decision based on our lending criteria. You can then choose to spend the approved limit at a humm merchant.

Alternatively, you can apply for humm at our merchant partner while purchasing a product or a service. Merchant partners will guide you through the application process.

Need more help?

Visit our Help & Support page for more information.

Things you should know

^{^}Approval within minutes is possible when all conditions and lending criteria (including responsible lending requirements) are met and all relevant information is provided. Approval subject to individual credit assessment and other checks and approval outcomes are not guaranteed. In some instances we may need to review your application. Terms & Conditions apply.

^*Credit limits and terms vary by merchant.