Give your customers a flexible way to pay

humm® helps grow your sales, providing finance to customers on purchases up to $50,000.

We're here to help your business thrive and grow

With humm you can offer finance to your customers to assist with purchases.

By offering financing to your customers, you can turn the “I can’t afford this right now” into “I’ll take it today!”.

Grow your business

Help your customers access funds quickly with a tailored personal loan up to $50,000.

Increase sales instore and online

Provide customers with a hassle-free option to pay for big purchases in small instalments right at the point of sales.

Attract more customers

Creating finance options your customers love is simple with humm.

Why choose us?

Low fees & charges

humm is a cost-effective option for your business.

Flexible repayment terms

Flexible payment plans to suit each customer’s financial situation (loan period 12-72 months)

You get paid upfront

Say goodbye to chasing invoices forever. You get paid upfront when your customer’s loan settles.

Transparent pricing

No hidden fees or confusing fine print.

Fast approval for customers at point of sale

Only minutes to apply.

Industries we partner with

Plus more to come.

How it works

Step 1

Become our Merchant Partner

Join us and be approved within two business days.

Step 2

Account set up

Your business will be set up with the best suited digital experience for you and your customers.

Step 3

Provide customers a new way to pay

Offer humm to your customers with flexible payment plans to help better manage their cash flow.

Customer Rates & Fees

Example Interest rate

9.99

%
p.a.

Comparison rate

12.55

%¹
p.a.

Fees & Charges

$0

Early payout fee

Starting from

$9.95

Monthly fee

Starting from

$99

Establishment fee

Approved customers only. Fees Terms & Conditions apply, subject to lending criteria and individual approval.

Learn about how it works for customers

humm allows customers access to their desired goods or services without the hassle of upfront costs and enjoy flexible repayment options tailored to their financial needs.

They can apply for humm by:

Frequently asked questions

What are fees and charges for humm?
Customer fees and charges will vary by merchant. Below are customer applicable fees and charges:
- Interest rate on the loan amount fixed for the loan duration
- Establishment fee charged at the start of the loan
- Monthly loan fee charged monthly on the recurring repayment date whilst the loan contract is still open
- Late payment fee $20 only charged if there is a missed payment
- Progress draw fee may be charged per draw
- If the contract is a Low Cost Credit Contract, no interest will be charged and fee caps will apply.
Merchants will only be charged merchant service fee per purchase.
What support is available for humm merchants?

Once you become a partner, you can count on humm for support when you need it. Your account management and operational support details will be shared with you once you are set up with humm as a partner. You can always reach us on these.

If you are interested in finding out more about humm, call us at 1300328569 or email us at [email protected].

If you are already a humm partner, you can also email us at [email protected] or call us at 1300328569.
How do I login to the merchant portal?

You will need your own portal credentials to log in to the portal. Your store admin can set up your credentials. You can log into the merchant portal here.
How do I become a merchant to offer humm to my customers?

Thank you for choosing humm!

To get started, please fill this form and a member of our team will be in touch asap with all the required information your will need. We will be on hand to support any questions you may have during your onboarding process and beyond.

Need more help?

Visit our Help & Support page for more information.

Things you should know

^{^}Fast approval is possible when all conditions are met. In some instances we may need to review your application.

¹This is a comparison rate. The comparison rate provided is based on an unsecured loan amount of $10,000 for a term of 48 months.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.