Humm

 

Who is Humm?
Humm is a leading provider of retail No Interest Ever! and products. For more information, visit www.shophumm.com.au

What is Humm Big Things?
Humm Big Things allows you take home your purchase while making convenient fortnightly direct debit payments. It is a continuing credit payment plan that lets you purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited fortnightly. Best of all there is No Interest Ever! Please refer to the “Terms and Conditions” in store for further details.

What are the set up fees and charges for a Humm payment plan?
When you make your initial purchase, Humm will open a Continuous Credit Account for you. With this initial purchase, you will pay an establishment fee between $35 and $90 to set up your Account, which is payable over the term of the purchase. The account will provide you access to online information about your purchase(s), credit schedule(s), available credit, access to their 1800 customer call in facility and enquiry page and other benefits. There is a monthly account keeping fee of $8 which will be direct debited whilst your account remains active.

What do I need to apply for a payment plan?
- To be over 18 years of age and be a permanent resident of Australia
- To be employed on a Full-Time basis working a minimum of 30 hours per week or to hold an Aged or Veterans Pensioner; i.e. provide payslip
- To have a bank account or credit card in your name with the ability to show documentation showing proof of ownership; i.e. bank statement
- To provide suitable identification; i.e. Drivers license & Utility Bill
Please refer to the “Terms and Conditions” in store for further details.

How long does the application take?
The application can be done over the phone or in store and generally takes about 10 minutes. Then once all verification documents have been provided Humm takes approximately a further 1-2 business days.

Can I make multiple purchases?
Yes, additional transactions are possible as your available credit increases in line with the repayment calculation detailed within the “Terms and Conditions”. Your online account enables you to keep track of your available credit as you make repayments. An additional purchase fee of $22 is payable over the purchase repayment period for additional purchases.

Can I pay my continuing credit account out early?
Yes. You can payout the outstanding balance of the continuing credit account inclusive of any fees and charges on any day you wish. Your available credit will remain active for a period of up to 12 months. Ongoing account keeping fees will apply while your continuing credit account is active. You can re-draw from the available credit for additional purchases at any time while your continuing credit account remains active.

Once your purchase(s) have been paid in full and your account balance is zero, you can cancel via written notice to Humm using your online account. There are NO additional fees for closing your Account or paying out early.

If I pay a deposit, am I guaranteed approval?
No, which is why Best Deal 4 U does not take a deposit from Humm customers until the payment plan is approved.

* Humm Big Things is available ONLY on offers where "Humm" payment option is offered as some exclusions apply
** Minimum purchase $500 and maximum finance amount (not including any deposits) at $2500, eg if a purchase is $5000 then a $2500 deposit would be required.
*** Available only at our online price (not our discounted cash price), please contact us for more information
**** Conditions do apply