How humm loan works

Find humm loan at participating retailers both in store and online.

What is humm loan?

humm loan makes borrowing convenient and accessible for everyone.

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

What you can expect as a customer:

Funds in your favour

humm loan 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 loan 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 loan early – the entire loan, or any amount – any time without penalty.

Manage humm loan with our easy-to-use app

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

How to get started

Apply for funding, get quick approval and access your desired goods or services without the hassle of upfront costs. Enjoy flexible repayment options tailored to your financial needs.

Step 1

Shop at a participating merchant store

Shop at one of our merchant stores and select humm loan as a way to pay

Step 2

Login or sign up

Log in to your humm loan account or sign up and complete your details. We’ll calculate your borrowing power and you’ll receive fast decisioning^{^}

Step 3

Easily manage purchases

Easily track your purchases and manage repayments via the online portal or on the humm loan app

Eligibility criteria

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

Frequently asked questions

What is humm loan?

humm loan is humm group’s new regulated 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, this product is issued by Once Credit Pty Ltd (a humm group company) under Australian Credit Licence No. 386194 in compliance with the National Credit Code (“NCC”) and other relevant laws dealing with consumer credit.

With humm loan, you can borrow up to $50,000 and pay it back in monthly or fortnightly instalments over 3-120 months*. You can access the humm loan app or web portal to review your loan and manage your cashflow/payments.

*Lending criteria, fees, T&Cs apply. humm loan may have interest and costs associated like establishment fee, a monthly loan fee, and a late payment fee if you miss a repayment. Loan amounts, terms and pricing will vary by merchant.
How can I use humm loan to purchase instore?

When making a purchase with humm loan, you can apply instore at any of our merchant stores. 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.

Dependent on the value of the goods or service and your personalised assessment; you may be offered a loan repayment 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 repayment periods differ between stores. Fees, terms and conditions apply.
How do I apply for humm loan?

You can apply for humm loan by clicking on “Apply now” on our website or download the humm loan app from the App Store or GooglePlay. You can request for the 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 loan merchant.

Alternatively, you can apply for humm loan 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.