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humm  ($1 - $1,999)
Interest rate (p.a.)
Min. loan amount
Max. loan amount


No interest, no hard credit checks and penalty-free extra repayments, with purchasing power up to $30,000. Fees apply for large purchases.

With humm's new interest-free payment solution, you can shop online or in-store with select retailers. Applications are quick and easy for purchases of $2,000, but pre-approval will be required for larger purchases. Flexible repayments allow you to pay for your purchases weekly, fortnightly or monthly, with zero penalties for extra repayments. No fees apply for small purchases paid back within 2.5 months, but there may be monthly fees for longer terms, and an establishment fee for larger purchases.


  • No hard credit checks
  • Flexible repayment options
  • Penalty-free extra repayments


  • Late payment fee of $6

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name humm
Interest rate (p.a.) 0%
Interest rate type Fixed
Min. loan amount $1
Max. loan amount $30,000

How does humm work?

Like other "buy now, pay later" programs, humm has partnered with an ever-growing range of retailers from whom you can purchase products without paying anything upfront. To buy online, simply look for retailers using the humm icon, and use humm at the checkout in order to pay. To buy in-store, you can download the humm app (where you will find select stores using humm) and create a barcode that you can show the cashier to pay for your items.

Fees incurred using humm vary depending on how much borrowing power you wish to access and on whether you make late payments. Quick online approval is available for purchases under $2,000, and you can get pre-approval online for up to $10,000. You can apply in-store for purchasing power up to $30,000. You can also pay off your balance early, should you wish.

Features of humm

  • Quick and easy application. You can apply online quickly and easily for purchases of $2,000 and apply for pre-approval online for up to $10,000.
  • Fast approval. You can quickly get approval for purchases up to $2,000.
  • 0% interest. There are no interest charges when using this service.
  • Purchasing power. humm offers "buy now, pay later" purchasing power ranging from $1 - $30,000.
  • No hard credit checks. humm may check your credit rating, but this won't affect your score or leave a record on your file, even if your application is not approved.
  • Expanding store variety. There are many sellers already partnered with humm, and it claims the list is always growing.
  • Flexible repayment options. Choose to pay back smaller purchases in 5 or 10 weekly or fortnightly instalments. For bigger purchases (over $2,000), opt to pay back over 6, 12 or 24 months or up to 60 months in some circumstances.
  • Penalty-free extra repayments. Pay off your balance early and avoid additional fees.
  • Low fees. With humm, there are no fees on small purchases if you pay back the balance within 2.5 months. For longer periods, there is a small monthly fee, and for bigger purchases, there is a small-medium establishment fee.

Fees and charges

  • No fees. There are no fees on small purchases repaid over months.
  • Monthly fees for small purchases. There are no monthly fees for purchases under $2000 and paid over 2.5 months, however an $8 monthly fee applies to these purchases repaid over 5 months.
  • Monthly fees for larger purchases. For purchases over $2000, there is an $8 monthly fee
  • Establishment fee. An establishment fee of between $30 and $110 applies to all bigger purchases, depending on price.
  • Repeat purchase fee. A repeat purchase fee of $29 applies to all bigger repeat purchases.
  • Late payment fee. A late payment fee of $6 applies to all purchases.

How to apply for humm

To apply for humm's interest-free payment service, click "Go to Site" and submit a straightforward application online (for applications on purchases over $10,000, you must apply in-store). In order to be eligible for humm, you must meet the following criteria:

  • Be a permanent resident of Australia
  • Be 18 years of age or older
  • Have a permanent job of 25+ hours per week or be on an aged/veteran's pension.
  • Not be declared as bankrupt

Documents you will need in order to apply include the following:

  • Proof of ID
  • Proof of income
  • Copies of your bank statements (for pre-approvals over $2,000 only)

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March 25, 2024

Are there any catered for the unemployed who is responsible, has no debts but needs to have loan for short term staycation for opportunity maybe to work?


Sarah Megginson Finder

March 26, 2024

Hi there,

Here’s a few options for getting a loan on a low income, assuming you are unemployed but receive some benefits.

Depending on your situation, if you’re unemployed and meet the eligibility requirements, you may also be eligible for a no-interest loan worth up to $3,000 from Good Shepherd:

Hope this helps!

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January 08, 2024

l purchased hearing aids via Humm , was given approval for $3500. l paid a deposit and have a copy of the transation that states that l owe $2850. Yet when l go into my Humm account it says that l have $500.00 and no transactions have been recorded and also l have not had any direct debits taken out yet. l got the hearing aids in july last year but as yet have not been happy with them so they are being fixed. Do l still have that amount to pay off the hearing aids or not? Thanks

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Sarah Megginson Finder

January 08, 2024

Hi Greg, we’re a review and comparison site, so we’re not able to provide personal advice. We suggest you contact their Customer Care team on 1800 088 151.



November 25, 2023

can you use a NSW photo card for proof of ID?


Sarah Megginson Finder

January 05, 2024

Hi Cindy, A NSW Photo Card may be used as photo identification if you don’t have a NSW Driver Licence. It has the same application process as the driver licence, and some of the same security features.

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