What is Humm & How Does It Work?
There are two types of products, Buy Little Things and Buy Big Things.
The Buy Now, Pay Later program at Humm is slightly different from most. The product has been divided into Little Things for all purchases up to $2,000 and Big Things for purchases above $2,000 up to $30,000. They each have their own requirements for approval, but our interest-free policy never changes.
Buy Big Things: Once approved, you’ll be granted up to $5,000 to purchase big things online or through an app. Instalments can make the repayments over a period of 6, 12, or 24 months or by a monthly payment plan up to 60 months.
Buy Little Things: You may qualify for up to $2,000. You have the choice of five fortnightly or ten weekly repayments. In addition, once your balance has been paid off, you can spend again.
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How Do I Register?
Registration with Humm can be done by downloading their application. Follow the on-screen instructions to complete the setup once the software has been installed and running.
As part of the application, you need to specify the source of repayment; a bank account, a debit card, or a credit card. Payments will be automatically deducted from the account as soon as they become due. Payback plans are displayed in the Humm app to make it easy for you to track your payments.
The consumer would incur no or minimal fees and interest with Humm. However, if you choose to repay your Little Things and Big Things purchases over five months, you will accrue an $8 monthly fee. In addition, purchases over more extended periods or larger purchases are charged monthly fees and establishment costs of $35 to $90, depending on the total cost of your Big Things item.
Additionally, consumers are responsible for late payment fees and missed repayment fines.
