Payment Plans

The application process is quick, easy, and entirely online.  Many applicants receive an instant decision about their application.

Here are the steps to apply for a humm account:

• Visit this link
  • Fill out the application form with your personal details, such as your name, address, and contact information. You will also be asked to provide your employment details and financial information to determine your eligibility.
  • Once you have completed the application, submit it for review. You will receive a decision on your application, and if approved, you can start using your humm credit right away. For more information on completing your purchase click here

humm is authorised and regulated by the Financial Conduct Authority (FCA), and they 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 they strive to provide an instant decision on your application, in some cases, humm may require additional information to fully assess if the loan is right for you. If this is the case, their 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.

You will need to have humm account, as well as an approved amount to spend with humm.

You will then choose to pay with humm when you accept your treatment cycle invoice.

The minimum amount you can borrow is £750.  The maximum you can borrow is £10,000.

humm will be sharing your personal data with one or more Credit Reference Agencies (CRAs) who will perform checks using public sources of data and this will leave a footprint on your records at the CRAs which will be visible to other providers of credit/other lenders/other organisations should they perform checks (full details are in their Privacy Policy available at https://shophumm.com/uk/privacy)”

The credit check is commonly referred to as a “hard credit search”. The information provided by the CRA assists humm to assess whether the repayments on your proposed loan will be sustainable and affordable. humm will provide your personal information to a Credit Reference Agency (CRA) and the CRA returns humm 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.  humm will 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.

Your first payment will be taken on the date that you choose, within 30 days of completing the purchase with humm.

You can make extra payments towards your humm agreement at any time, including paying off your agreement early.

Every new agreement with humm comes with a 14-day cooling off period, so please contact humm during this time if you change your mind.