I want humm! Where do I start?
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!
Can anyone apply for humm?
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).
Give me the low-down on how humm works
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 and easy to use.
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!
- Get pre-approval up to $10,000
- Borrow up to $30,000
- Repay over 6, 12, 24 months all the way up to 60 months
How do I buy ‘Big things’?
Pre-approval is the way to go on this. Apply before you shop, through the humm app. Just tell humm how much you’d like pre-approved (up to $10,000) or let humm pick an amount for you. All you need to do is:
- Share access to your bank statements for information to help humm in the 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.
Does humm use credit checks?
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.
Why was my application turned down?
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, humm looks at several factors as part of the 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 humm determine whether you can comfortably meet your repayments.
- Other information you provided which allows humm 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 humm being responsible rather than negative, judgemental or anything like that.
How do I find the balance of my account?
Eaaaasy! Simply login to your account and look for Plan Details on the humm app or website to see your account balance.
How do I ask for a change of name?
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 humm a line at email@example.com with a copy of a marriage certificate, driver’s license or passport which shows your correct legal name. Thanks Boaty!
Why do I have a nil balance in my account?
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.
How do I close my account?
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.
What’s a humm Payment Plan?
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!
Can I pay my amount early?
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 humm directly using the account details provided here. Please note – transfers must be completed three days before your scheduled debit date.
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.
Can I make additional payments?
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, humm isn’t set up to process one-off additional repayments through the app or online – but that function is coming soon. Please give humm a shout on 1800 088 151, between 7.30am – 7.30pm Mon – Fri and 7:30am – 5:30pm Sat (AEST) and the Support Team will be able to help.
I want to cancel my contract
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.
I’ve got an issue with the retailer
OK, these things happen. There is a formal dispute process that may help you resolve your issue with the retailer you bought your stuff from.
Please send an email to firstname.lastname@example.org titled ‘Attention Manager regarding Dispute’ in the subject heading and include as much information about your concern/issue as possible. humm will 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.
How much will humm cost me?
Not much! Check out the table of fees and charges on ‘How it works‘.
COVID impact issues
Can I continue to make purchases while I’m in hardship?
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.
Will hardship default my credit line?
No, when humm places your account under hardship, we will not default or make any comments on your credit file.
How do I apply for hardship?
To apply for hardship, you can send humm an enquiry using the website help form and one of the team will be in contact with you within 48 hours. Or if you’d like to speak directly to one of humm’s friendly customer service representatives, you can do so on their web chat, or by calling 1800 088 151.
What if I am in the same position in four months’ time?
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.
Can I reduce my payments?
Yes, reduction of repayments is one available option to assist during financial hardship.