With no interest, are the fees high?


No, they're not. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month.

When you buy a 'Little thing', there are no fees if you choose to pay it back over 2.5 months. If you choose to pay over 5 months, you'll pay just $8 a month.

You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have.1


TypeFull TermMax LimitMin Deposit
1 Little Things2.5 Months$1,000 20%
2 Little Things5 Months$2,000 20%
TypeFull TermMax LimitMin Deposit
1 Big Things6 Months$3,000 20%


What is humm?

Humm helps everyday Australians Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever.


Who can humm?

You just need to tick these boxes:

Be a permanent resident of Australia

Be 18 years or older

Have a valid email address and mobile number

Have an Australian debit or credit card

Have an Australian drivers license, passport or Medicare card

For Big things you also need to have a permanent job (at least 25 hours a week) or be on aged/veteran's pension


I want to humm! Where do I start


This bit's super simple. First things first: depending on whether you're an Apple or Android person, go to either the App Store or Google Play and download the App.

Once you've got the App running, just follow the steps and you'll be good to go. Niiice!


How do I shop with humm?


Pre-approval is the way to go on this. Apply before you shop, through the humm App. Just tell us how much you'd like pre-approved (up to $10,000) or let us pick an amount for you. All you need to do is share access to your bank statements for information to help us in our approval process.

Humm is fast and simple to use no matter where you prefer to shop. Online, simply select humm at checkout and you will be taken through to humm to confirm your payment.


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