What is Humm?


When shopping with humm, you have the option to spread the cost of your purchase when buying from any of our retail partners, whether it’s in-store or online. This can help you manage your finances more effectively and make larger purchases more affordable. However, please keep in mind that using credit for purchases comes with responsibilities and it is important to consider your ability to repay the amount borrowed.

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.
In designing humm, hummgroup is redefining the buy now pay later category to cover home renovation, veterinary services, dental, optical, major furniture expenses and even fertility services. For the first time, consumers can go through what is normally a very expensive and emotional journey through IVF, with the confidence that the financial side of things is taken care of.



Start Application

Important Information

Before you apply for humm:

  • Please ensure you meet all our eligibility criteria before proceeding
  • Please read our Privacy Policy which sets out the basis on which we will process your personal data when you use our services
  • Please note that we will perform a hard credit check if you proceed to submit an application. You’ll be reminded of this before you actually submit your application

The personal information we collect from you will also be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by reviewing our Privacy Policy or from Cifas.

If you are eligible for a loan you will be required to enter into a loan agreement with us. An example loan agreement setting out the terms and conditions that apply when you use humm is available here.

To get a quote before making an application, click here.


humm is committed to providing you with financial solutions that are tailored to your needs.

They do have some basic criteria you'll have to meet before we can consider your application. You must:
  • Be aged 18 to 75
  • Have a regular income of at least £1,000 per month
  • Have been a resident of the UK for at least 6 months
  • Have a UK credit or debit card in your own name

This criteria allows us to ensure that humm is right for you.To get started with humm, you can use the Quote Calculator to get an example of your payment plan. Please note that the calculator is for illustrative purposes only and may not reflect the exact terms of your loan.If approved for a humm loan, you will be provided with a clear and transparent payment plan, so you can budget accordingly and avoid any surprises.