Your repayment may take around 3 business days to clear depending on your payment method (bank account or card). We can only apply your repayment once it clears, and will be reflected in your account.

No, you can’t change your repayment amount, however you can change your repayment, date and method (debit card or bank account). However, you can make additional payments at a time that suits you.

Definitely! All you need to do is hit ‘Pay Now’ in the app or online and you can make additional repayments on any active loans at any time to reduce your outstanding balance at no additional fees.

A progress draw is where customers can get an approval for a credit limit when the final purchase amount is not known. There is flexibility to make milestone payments progressively to merchants, so rather than paying all at once you’ll pay a merchant in instalments instead. Customers don’t need to make any repayments until the approved purchase amount is fully drawn under their contract.

A progress draw is helpful when you have been given indicative costs by your merchant initially (e.g. dentistry, home improvements) but you will be given more certainty as it progresses and are required to do service milestone based payments

Currently this feature can only be initiated by merchants instore.

If a merchant initiates a progress draw for a purchase you have made from them, you will receive an SMS asking you to confirm and approve the progress draw payment by providing a unique 6 digit code.

It is important when you receive that SMS to:

- review the progress draw amount being requested and confirm the amount is correct;

- confirm any questions about your purchase with the merchant partner; and

- if in doubt you can always contact us.

Yes, you can change an individual upcoming payment by logging into your account on the web or mobile app. On the web, find the repayment and select the calendar icon. On the mobile app, click Pay and choose Move this Payment. Remember, you can only change future dated payments and not ones due today or in the past.

Of course. You can pay off your humm loan contract early at any time without worrying about any additional charges or fees.

You will only pay the balance owed on the date you make the payment. You can do this by logging into your humm loan app or online account and make a payment for the amount of your outstanding balance.

If you are experiencing difficulties in making your scheduled repayments or immediately paying any overdue amounts, please fill out the hardship help form

If a payment is unsuccessful on the due date, we will send you an SMS and an email to let you know.

You can update your nominated card/bank account details and make a payment via the humm loan app.

If a manual payment is not received, we will retry this payment. Please ensure you have sufficient funds in your nominated card/bank account. You may incur late payment fees depending on your payment method i.e. bank account/nominated card.

Yes, you can. You can align date of multiple repayments to be on the date of your choosing.