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