How humm® works

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.