---
title: "humm — humm"
description: "Personal Loans from humm. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/humm/products/e4033b0d-6d25-424a-9654-f3fef0fff443
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-10T04:00:12Z
---

# humm — humm

> Personal Loans from humm. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · Negotiable rates**

humm is a flexible point of sale financing solution available at humm merchant partners

## Apply

Applications are handled by the provider: [Apply at humm](https://portal.shophumm.com.au/)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment fee — Capped at $200.00 per 1 year · Price plans and fees are variable based on merchant. All other regular fees are capped to $200 in the first 12 months and then $125 in the subsequent 12 months | Upfront | Variable |
| Monthly loan fee — 9.95 · Capped at $200.00 per 1 year · Price plans and fees are variable based on merchant. All other regular fees are capped to $200 in the first 12 months and then $125 in the subsequent 12 months | Ongoing | $9.95 |
| Late payment fee — 20.00 · Capped at $120.00 per 1 year · All late payment fees are capped to $120 every 12 months. | Late payment | $20.00 |
| Interest Charges — Interest bearing plans will have interest charges. Interest rates are fixed for the loan duration. | Other | Variable |

## Instalment plans

- **Plan splits** — 7–260 instalments
- **Maximum plan value** — $50,000.00

## Features

- **Instalment plan**
- **Interest-free period** — For most plans (humm accredited merchants may offer plans that are interest free for the entire plan or loan duration )
- **Interest-free period** — For a period of time (humm accredited merchants may offer plans with a promo interest free period and a fixed interest for the duration of the loan. )
- **humm accredited merchants may offer plans that are interest bearing but fixed for the duration of the loan**
- **Fortnightly or monthly instalment plans**
- **Extra repayments** (Extra repayments can be made without any penalty or fees)
- **Pre-approved credit limits available**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Must be a permanent Australian resident
- **Valid identification required**
- **Regular income required**
- **Subject to credit assessment**
- **Valid mobile number and email address**

## Constraints

- **Loan term: 3 to 120 months**
- **Usage restricted at accredited humm merchant partners**
- **Approval required per transaction**
- **Maximum balance** — $50,000.00

## More information from humm

- [Overview](https://www.hummloan.com/how-it-works/)
- [Terms & conditions](https://www.hummloan.com/general-terms-conditions/)
- [Eligibility](https://www.hummloan.com/how-it-works/)
- [Fees & pricing](https://www.hummloan.com/fees-and-charges/)

## Data provenance

- Published by humm under the Consumer Data Right
- Product ID: `e4033b0d-6d25-424a-9654-f3fef0fff443`
- Last updated by the provider: 10 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/humm/e4033b0d-6d25-424a-9654-f3fef0fff443
- Provider page: https://www.cdrcompare.au/brands/humm

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/humm/products/e4033b0d-6d25-424a-9654-f3fef0fff443) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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