Shop home improvement, fashion, beauty, solar, jewellery, appliances and so much more across thousands of stores where you can shop with humm! Buy now and pay later with easy interest-free instalments. View our store listings and get shopping with humm.

We’re a responsible provider of credit which means we need to take a few things into consideration when we assess your application. We may take a look at your credit score when you apply, but don’t worry, simply applying for humm won’t affect your score at all or leave a record on your credit file. For more information read our FAQs.

At humm, we do Buy Now Pay Later a little differently. Instead of just focusing on the little joys in life, we want to allow our customers to fund whatever they need, both big and little. This means we’ve split our product in two; Little things for all of your purchases up to $2,000, and Big things for those purchases over $2,000 and all the way up to $30,000. They each have their own set of rules for approval, but no matter what, we never charge interest – ever.

To get a humm account you need to:• Be an Australian citizen or permanent resident. • Be at least 18 years of age. • Be permanently employed working at least 25 hours per week or receiving an aged or veterans pension; • Have never declared bankruptcy or that your about to become or are insolvent.

Sure is. There’s a calculator on our How It Works page. Pop in the amount you’re planning to spend and we’ll calculate the different repayment options based on different repayment periods.