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If you want to apply for finance with Humm, add the item to your cart and select Humm at checkout. After selecting your finance product and deposit you will be redirected to Humm’s website to complete the application.

• Complete the application form, including your personal details, employment and financial information to determine whether you are eligibile.
• Once your application is complete, it will be submitted for review. If your decision is apprivw have completed the application, submit it for review. You will then receive your decision, if you are approved,  you will be able to use your Humm credit straight away. For more information, click here.

Humm is authorised and regulated by the Financial Conduct Authority (FCA), and we are committed to responsible lending practices and will ensure that your application is processed with the highest level of security and confidentiality.

Please note that while we intend to provide an instant decision on your application, in some cases, more information may be required to fully assess if the loan is applicable for you. If this is the case, our team may reach out to you for more information. Please provide the information requested as soon as possible, so that the team can review your application and ensure that the loan is right for you.

Yes. There is a minimum deposit of 20% for terms of 12, 36 or 48 months, and a minimum deposit of 40% for 24 months 0% interest.

In order to make a purchase through humm, you must have a humm account and your approved amount to spend- which is agreed when completing the application process.

You will then choose the option to make payment with humm, either in-store or online, and will be informed of the requirements to arrange your Fixed Sum Loan and set up the repayments for the loan.

You might be required to complete the first payment at the time of purchase. The card used to make this payment will then be used for the recurring payments to service the Loan Agreement.

Humm perform a hard credit check for each new application that has been submitted for assessment.

This means your personal data will be shared with one or more Credit Reference Agencies (CRAs), who will perform the necessary checks. This will leave a mark on your records at the CRAs, which will be visible to other organisations should they perform checks, and it may impact on your credit score (full details are in our Privacy Policy available at https://shophumm.com/uk/privacy).

The information provided by the CRA will include your credit score as well as other credit and public information that is available from your credit file. This information will assist us to assess your creditworthiness and whether repayments on your proposed loan will be sustainable and affordable.

Humm acts as a responsible lender and strives to treat all customers fairly. However, this means that sometimes credit applications may be declined.

Some reasons for your credit application being denied are as follows:

• Your credit score is not strong enough
• Negative information on your credit file, such as records of missed payments
• A decision was made that you would not be able to afford to repay the credit you have applied for
• Information on your file suggesting any fraudulent activity
• Uncertainty about your identity or address
• Humm’s legal or policy condition

You definitely can! You can make one or more purchases from one or more merchants, using the amount of credit you have been granted, which is valid for 28 days from the date of approval.

You are able to pay off your plan early, without additional charges or fears. By logging into your humm portal, you can make a one-off payment, for the amount of your outstanding balance. 

To do this, you need to go through the retailer you have purchased your goods from. After the retailer cancels your purchase, it will process the cancellation of your loan agreement. When your agreement has been cancelled, any sums paid back to your bank card will be refunded.

If you miss a payment on the due date, you will receive an SMS and email message which will inform you of the unsuccessful payment and offer you alternative ways to make the payment. If the payment is not made on the assigned due date, we will automatically retry the payment on the next day.

If the second payment attempt is unsuccessful, a £7 late payment fee will be added to your loan agreement- which will be payable alongside the contractual payment.

At that point, no further attempts to process the payment will be made. However, we will try to contact you through various methods of communication, including SMS, Email and maybe by post, to discuss your financial situation and missed payment. If we receive no response from our communication attempts, we will make two further attempts to process the payment, 5 and 10 days after the due date, from your bank card on file. 

While the exact amount of credit granted will be decided by Humm on a case-by-case basis, the maximum credit that may be extended is £15,000 for loans up to 24 months, and £30,000 for loans 36-48 months.