Finance Options
Do you offer interest free credit?
Yes, we offer interest free finance options with humm. Click here for more information.
How long do I have to make payments for?
You can choose to make the payments over 3 months, 5 months, 6 months, 12 months, 24 months or 36 months.
There are minimum and maximum spend amounts depending on the duration you choose.
For more information click here.
Is there a deposit to pay?
You may need to pay the 1st instalment or an account keeping fee, depending on the monthly duration you choose.
For more information click here.
How do I apply for finance?
Visit humm.ie and login or sign up for an account. Apply for an amount to spend with humm. You could receive an answer in as little as 5 minutes. Once your finance credit with humm has been approved, you can then choose humm at checkout as the payment option.
How do I pay with interest free credit?
You will need to have an approved amount to spend with humm (which you can apply for at humm.ie).
You will then choose to pay with humm at the point of purchase (in-store or online) and will be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.
You can pay with humm interest free finance at the checkout stage online or in-store.
Online, simply add the products you would like to buy to your shopping basket and go to the checkout, and select humm finance under payment method.
In-store a member of the team will assist you during the payment process if you would like to use humm finance.
You may be required to make the first payment at the time of purchase. The card you use to make this payment will then be used for the recurring payments to service the Loan Agreement.
What is humm?
humm Finance offers interest-free and flexible payment plans to help you split the cost of your purchase into smaller instalments. You can spend anything up to €10,000 over 3 months to 3 years.
What documents should I have ready before I apply for humm finance?
You will need ID, proof of earnings and PPS number verification, and a bank statement within the last 3 months showing 35 days of transactions.
Your ID can be a passport or driving license, with your name and date of birth on it.
As proof of earnings / PPS number verification, you can use:
• If you are employed: Payslip from the last month
• If you’re self-employed: Notice of Self Assessment return or Form 11
• If you are receiving benefits: Statement of Benefits
In case the document provided does not contain your PPS Number, we’ll request an alternative document such as Tax Credit Certificate / Form 11, medical card etc.
We may seek an alternative document as proof of address, which must be dated within the past 6 months such as:
• A utility or landline telephone bill
• Department of Social Protection letter or Revenue certificate
• Insurance Policy
• Mortgage Loan Offer
• Lease or Tenancy Agreement
If you have any further questions, you can contact us by phone on 0818 776688 or fill in our contact form here and one of our team will assist you with your enquiry.
Why humm?
humm is a responsible lender with our customers at the heart of all we do. Encompassing all areas of life; from a new sofa to some new wall art… we’re here for the big and boring as well as the small and sweet, making more of life more affordable.
Can I make more than one purchase with humm?
Yes! You can make multiple purchases from multiple merchants up to the amount you have been approved for, which is valid for 90 days from approval date.
Can I pay off humm plan early?
Yes, you can pay your plan off early without any additional fees or charges. You will only pay the balance owing (including interest, if any) up until the point of closure.
You can make additional payments at any time, and you can do this as often as you like – simply log in to your online customer portal (you will have received an email about logging in when you made your purchase), and clicking on your agreement number, and click making a “One-Off Payment”.
What happens if I need to return the goods I have purchased using humm?
If you need to return the goods, you do this through the normal merchant process. The merchant will then cancel the purchase, and this will process a cancellation of your loan agreement. The cancellation of the agreement will process a refund of any sums paid back to your bank card.
What happens if I miss a payment?
You can make a manual payment through your customer portal or using the quick pay link that you will receive by SMS on the due date when the payment has been declined.
If no manual payment is made on the due date and the payment on the due date was declined by your Bank due to insufficient funds, we will process a retry for the payment amount on the following day automatically around 7am.
If the payment is still outstanding after the first retry then a one off €9 late fee is applied and will be due to be paid in addition to the monthly payment amount. If no manual payment is made during a day, we will continue to retry for the payment plus one off fee daily for a period of 27 days.
If the card for payments on file has expired, damaged and replaced, or been reported lost stolen, you will need to update the card details and make a manual payment. Please go to My Portal Questions here for more information. In these circumstances no late fee is applicable.
If you are experiencing temporary or longer-term financial difficulties, please email us at contactus@shophumm.com providing all relevant details of your circumstances so we can work with you to manage the situation.