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humm provides a seamless interest-free payment platform with repayment options from 10 weeks up to 60 months, which makes the big things and the little things in life affordable

Pay in 5

Maximum Amount

£500

Interest Rate

0%

No of Repayments

5

Initial Payment

1 payment of 20% of the purchase price is due at time of purchase

Subsequent Repayments

4 equal fortnightly repayments

Late Payment Fee

Late Payment Fee – £7 charged on the day after the payment due date if account is not up to date

Pay in 12

Maximum Amount

£3,000

Interest Rate

0%

No of Repayments

12

Initial Payment

1 payment of 8.33% of the purchase price is due at time of purchase

Subsequent Repayments

11 equal monthly repayments

Late Payment Fee

Late Payment Fee – £7 charged on the day after the payment due date if account is not up to date

Humm may ask for documents to assist us in verifying your identity or assessing your application of a loan. 

If we do require documents we will email you with our specific request. For more information on how we process your documents please see our privacy policy.

Humm will assess your application based on the details you provide us with and other external data sources (see below for further information on Credit searches) to assess if you are eligible for a loan. 

Chosse Humm at checkout to apply

Humm do perform a hard credit check for each new application that is submitted for assessment.

In simple terms, we’re an easy alternative to paying with cash or card for goods offered by our Retail Partners.

humm allows you to spread the cost of your purchase when buying from any of our retail partners. We provide fixed sum loans and each retailer will offer a tailored set of loan terms so best check the terms with your chosen retailer by getting a quote through www.shophumm.cm/uk/shop Complete a humm application (please ensure that you are not using Internet Explorer) and we will assess it for you. If you are eligible for a loan from humm, you can use the loan to make purchases from one or multiple of our Retail Partners, both in-store and online!

It’s that simple!

You will then pay back the loan over the agreed term making payments to humm based on the terms agreed at the time of the purchase.

The first payment is due at the time of purchase. See below for further details.
Late Payment Fees will apply where you do not make a payment on time. See below for further details on recurring payments.

Please visit Terms & Conditions to review our full terms and conditions and detailed product information

To be eligible to apply for humm you must meet the following criteria:

  • Be at least 18 years of age;
  • Have been a resident of the UK for at least 6 months; and
  • Have a UK credit or debit card.

We will be sharing your personal data with one or more Credit Reference Agencies (CRAs) who will perform checks using public sources of data and this will leave a footprint on your records at the CRAs which will be visible to other providers of credit/other lenders/other organisations should they perform checks (full details are in our Privacy Policy available at https://shophumm.com/uk/privacy)”

 

The credit check is commonly referred to as a “hard credit search”. The information provided by the CRA assists us to assess whether the repayments on your proposed loan will be sustainable and affordable. 

 

We provide your personal information to a Credit Reference Agency (CRA) and the CRA returns us the credit information that has been matched to you.  The information will include your credit score as well as other credit and public information that is available from your credit file.

 

The hard credit search will be recorded by the CRA and can be seen on your credit file.  It may impact your credit score and will be visible to other lenders. 

 

We perform a hard credit check for each new application that is submitted for assessment. Too many hard credit searches on your credit file, conducted in a short period of time, could have a negative impact on your credit score.

https://shophumm.com/uk/privacy

All you need is a valid email address, your mobile phone number, and meet the following minimum criteria:

  • Provide proof of PPS number & Address
  • Be at least 18 years of age
  • Be an Irish citizen or permanent resident of Ireland
  • Earn a minimum taxable income of €1,000 per month
  • Have a current credit / debit card and a Photo ID
  • Have a good credit history