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About Humm Finance

humm finance available

humm allows you to spread the cost of your purchase across our partner stores. Each store has different plans to offer, so best check plans with your chosen partner store (retailer). It’s that simple!

Complete a humm application (please ensure that you are not using Internet Explorer) and we will assess it for you. If you are approved for finance with humm, you can use this approval to make purchases in multiple Retail Partner Stores!

Once you’re approved you can proceed to make the purchase (in-store or online) and only need to provide your mobile number at the checkout! You will have the option to view the terms before you complete the purchase contract both in store with the retailer sales representative or online checkout. It is important to do this as terms of contract differ from retailer, by amount and interest/fees. Please note that you will need to provide card details from where we will take the future installments.

It’s all about you, you are in total control.

  • You select the goods
  • You select the amount
  • You select the plan
  • You have full access to your humm account via your own self serve portal
  • You can even pay out your purchase early without any additional fees or charges

How do I apply?

To apply, you complete a quick and easy online application form on your mobile or computer device. Apply from home, on the move or in-store - It’s your choice.

Please make sure that you are not using Internet Explorer when applying.

Depending on the chosen plan, there may be an application fee required up front upon approval and a monthly fee to run your account. These fees are included in your credit and payment schedules; itemised on your payment schedule so you know exactly how much you are paying. Providing you stick to your payment schedule, you know exactly how many payments you need to make and the total amount payable throughout your humm payment term.

Plans, rates and offers vary by retailer so best to check in store for the best humm offer. We will send you SMS messages and emails throughout your application and time with us. Having a mobile phone number and email address is required to enjoy the benefits of humm.

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Can I pay off my humm agreement early?

Yes, you can pay off your humm Agreement early without any additional fees or charges. The final payoff balance will be shown in each contract in the one off payment section in the customer portal. Your contract will be automatically closed the following day and no further payments will be taken.

You can make additional payments at any time, by logging in to your online customer portal, clicking on your agreement number starting LAI-00, and click make a “One-Off Payment”. Just keep in mind that an early payment will not stop the automated scheduled payment attempting. To move the next due date to the following scheduled date you must pay an amount equal or greater than scheduled amount. You will need to e-mail us at least 24h in advance of the due date to seek a change to the next payment date weekdays and by 1pm on a Friday if the payment is due on a Saturday, Sunday or Bank/Public holiday.

Am I eligible for humm?

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

  • Be at least 18 years of age
  • Provide proof of PPS number & address
  • Be an Irish citizen or permanent resident of Ireland
  • Earn a minimum taxable income of €1,500 per month- joint spouse/partner income not taken into consideration
  • Have a current credit/debit card and a photo ID
  • Have a good credit history

Unfortunately there is no way of predicting if you will be approved or not, or what is the maximum amount you can be approved. You will need to complete your application form and go through the assessment in order to get an answer.

What documents should I have ready before I apply?

1) ID

We will accept:

  • Passport, or
  • Irish Driving License

We may be able to accept other documents such as European Driving Licences or Garda Age Card ID cards. They must show your Name and Date of Birth on the front page. We cannot accept Public Service Cards under any circumstances.

2) Proof of earnings / PPS Number verification

We need the following document:

  • 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.

3) Bank statements

These must be within the last 3 months showing a minimum of 35 days transactions.

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

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