Helloooo! This bit’s super simple. First things first: depending on whether you’re an Apple or Android person, go to one of these links to get the humm app:
- Apple users, please visit https://itunes.apple.com/au/app/humm/id1455391873?mt=8
- Android users, please visit https://play.google.com/store/apps/details?id=com.shophumm
Once you’ve got the app running, just follow the steps and you’ll be good to go. Niiiice!
New Humm customer
Yes, but you need to…
- Be 18 years or older
- Be a permanent resident of Australia.
- Have a permanent job (at least 25 hours a week) or be on aged/veteran’s pension.
- Be sure you’re not insolvent (or declared bankrupt).
Sure thing. Humm is the only ‘Buy Now, Pay Later’ service that’s perfect for both the ‘Little things’ and ‘Big things’ in life. It’s fast, easy to use and there’s a wide and ever-increasing range of places to shop.
To start humm-ing, simply click here https://buyer.shophumm.com.au/registration/mobile or download the app and follow the steps. Once you’ve done that you’ll be able to see your account info and take the first steps on your interest-free forever. Woo-hoooo!
What do we mean by ‘Little things’ and ‘Big things’? Here’s the deets…
Can apply for up to $2,000
|Get pre-approval up to $10,000|
|Repay in 5 or 10 instalments weekly or fortnightly||Apply in-store for up to $30,000 depending on what you buy and where you shop|
|Repay and free up your balance to spend again||Repay over 6, 12, 24 months all the way up to 60 months|
You can buy stuff:
- Online - simply go to any website which has the humm icon on it. Choose humm at checkout and you’ll be taken through humm to get payment sorted.
- In-store - open the humm app and create a barcode. Just take this to the checkout with the thing you want to buy and they’ll scan or key in the code.
With ‘Little things’ you can buy as many items as you like – as long as you stay within your limit. As you buy stuff the amount you have to spend – we call it ‘available spend’ – goes down. And of course, as you repay, that ‘available spend’ figure goes back up again. For ‘Big things’, available spend can also be bumped back up based on your Terms & Conditions. Just note, a Repeat Purchase fee of $22 is payable on additional buys.
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.
Once approved you’ll get a barcode which indicates the maximum amount that you can spend. If you’re in store, simply show the staff your barcode and they’ll be able to access your magic number (AKA pre-approval amount!). Buying online for Big Things is coming soon. Remember, pre-approval lasts 60 days.
Let’s be clear and set your mind at ease on this one. Your credit score may be checked when you sign up to humm. But don’t worry, this won’t affect your credit score or leave a record on your credit file.
In some cases, we do reduce the amount we give you. This is an extra precaution if we don’t know much about you – for example, if you’re new to humm. Over time, as we get to know you better, we may offer to increase this amount.
We get that you have two different types of spending and we’ve built this insight into the way humm works. First, there’s everyday spending – smaller amounts you want to pay back fast. Then, there’s big ticket items, where you need more time to repay. With humm, you can handle both quickly, easily and from the same app. Makes sense, right?
You can find stores that are humm-ing along with us, here: https://shophumm.com.au/
Once you’ve chosen the category of retailer/s you’re looking for, you can search by postcode or suburb name. Be sure to also search for surrounding suburbs.
By the way, it’s worth checking back frequently – we’re adding stores all the time as we build this humm to a glorious crescendo…
The short answer is, we have to play it safe. For your sake and ours.
To unpack that in a bit more detail, as a responsible provider of credit, we look at several factors as part of our assessment process. This includes (but it’s not limited to):
- Your repayment history with other lenders and accounts (e.g. telco, utilities and credit accounts). This helps us determine whether you can comfortably meet your repayments.
- Other information you provided which allows us to consider your application.
For humm applications we take additional factors such as how much you earn, your spending and whether you’re working into consideration. We hope you understand it’s all about us being responsible rather than negative, judgemental or anything like that.
Eaaaasy! Simply login to your account and look for Plan Details on the humm app or website to see your account balance.
Whether you’ve just got married or you’ve decided to change your name by deed-poll to Boaty McBoatface, it’s all good. To change the name on your account, drop us a line at [email protected] with a copy of a marriage certificate, driver’s license or passport which shows your correct legal name. Thanks Boaty!
Zero. Nothing. Nada. The technical term we use is ‘nil balance’. If this is the case for you, it may mean that you may need to either add a credit card or apply for a Boost.
Now that your humm purchase has been fully repaid, your account becomes inactive and there are no more fees or charges to pay.
We’d love to help you with the next ‘Little thing’ or ‘Big thing’ you want to buy, so please head to https://shophumm.com.au/ for a list of retailers who are humm-ing along with us.
It's the ongoing amount you repay on each item you buy – for both ‘Big things’ and ‘Little things’. For ‘Big things’ an initial deposit will be taken in store. For ‘Little things’ your deposit is taken as an upfront payment in your humm account. And remember, payments with humm are completely interest freeee!
Absolutely! Pay your outstanding balance at any time you like – there are no charges or fees to do this.
To find your payout figure, go to the Payments section of the App or the humm website and follow the steps.
Or, if you prefer, you can transfer funds to us. Please note - transfers must be completed three days before your scheduled debit date.
Bank Name - ANZ
BSB - 012013
Account – 838081174
Account Name – Humm Australia
Transaction reference - Your purchase number
Once your balance has been repaid in full – and as long as you have no other active purchases – your account will become inactive and you won’t be charged any fees.
You sure can. Using the Pay Now feature you can make early repayments on an active purchase at any time. You’ll need to have an active debit or credit card on your account to do this.
If you don’t have an active debit or credit card on your account, simply add one before using Pay Now. Here’s how:
- Go to Settings, Payment Methods, Add New Card, fill out the details, click Add Card. Please note that your bank will place a hold of $1.00 on your nominated credit card. For further information, you’ll need to get in touch with your bank.
Right now, we’re not set up to process one-off additional repayments through our app or online - but that function is coming soon. Please give us a shout on 1800 088 151, between 7.30am – 7.30pm Mon - Fri and 7:30am - 5:30pm Sat (AEST) and our Support Team will be able to help.
COVID impact issues
No, once your account is placed under hardship you will not be able to continue to make purchases. This is for your financial security and will prevent your account from falling into additional hardship.
No, when we place your account under hardship, we will not default or make any comments on your credit file.
To apply for hardship, you can send us an enquiry using our website help form and one of our team will be in contact with you within 48 hours. Or if you’d like to speak directly to one of our friendly customer service representatives, you can do so on our web chat, or by calling 1800 088 151.
If in four months’ time you find that your situation hasn’t changed or hasn’t improved to a point where you’re able to continue repayments, we’ll be more than happy to review your circumstances and discuss further solutions.
Yes, reduction of repayments is one available option to assist during financial hardship.
Please make sure you have the latest version of our app and that you’ve added a valid credit or debit card to your account.
Once you’re logged in, if you can’t see the amount you have to spend or details of items you’ve bought (we call this ‘active purchase information’), please give us a shout on 1800 088 151, between 7:30am – 7:30pm Mon - Fri, 7:30am - 5:30pm Sat (AEST) and our Support Team will give you a hand.
When you buy a ‘Big thing’ you’ll pay an establishment fee of $35 to $90 – depending on the amount you’re spending. Then you’ll pay $8 a month. When you buy a ‘Little thing’ with humm, there are no fees if you decide to repay your purchase over 2.5 months. If you choose to pay over 5 months, you’ll pay $8 a month.
You’ll only ever pay a single $8 monthly fee regardless of the number of ongoing ‘Big things’ or ‘Little things’ Payment Plans you have.
For full details read your continuing credit Payment Plan agreement.
Dealing with retailers
All requests to cancel purchases with humm must be received directly from the retailer. Please get in touch with them directly to cancel your purchase.
OK, these things happen. We have a formal dispute process that may help you resolve your issue with the retailer you bought your stuff from.
Please send an email to [email protected] titled ‘Attention Manager regarding Dispute’ in the subject heading and include as much information about your concern/issue as possible. We’ll then liaise directly with the retailer and let you know next steps.
Please include any photos, supporting documentation, contact names or numbers at the retailer that you may have spoken to and anything that you feel supports your claim. This formal dispute process doesn’t stop you from getting information or support from a statutory body or consumer law centre in your state or territory.