humm
humm is a flexible point of sale financing solution available at humm merchant partners
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 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 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 |
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
Published by humm under the Consumer Data Right · Last updated 10 July 2026 · Product ID e4033b0d-6d25-424a-9654-f3fef0fff443