humm helps everyday Australians Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever*.

You just need to tick these boxes:

• Be 18 years of age or older
• Have a permanent job of 20+ hours per week or are on an aged or veteran’s pension
• Meet our credit assessment criteria
• Be a permanent resident of Australia, and
• Have a valid mobile number

This bit's super simple. First things first: depending on whether you're an Apple or Android person, go to either the App Store or Google Play and download the App.

Once you've got the App running, just follow the steps and you'll be good to go. Niiice!

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 $5,000) 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.

humm is fast and simple to use no matter where you prefer to shop, either in-store or online, by simply selecting humm at checkout.

When you buy a 'Big thing' you'll either pay an establishment or repeat purchase fee. Then you'll pay just $8 a month.

You will only ever pay a single $8 monthly fee regardless of the number of ongoing humm payment plans you have.