humm loan is humm group’s new regulated product that provides our customers with the flexibility to make their purchases at a point of sale in our merchant network to manage their spending and cash flow. Listening to our customers about their changing needs in the current climate and working closely with our merchant partners, this product is issued by Once Credit Pty Ltd (a humm group company) under Australian Credit Licence No. 386194 in compliance with the National Credit Code (“NCC”) and other relevant laws dealing with consumer credit.

With humm loan, you can borrow up to $50,000 and pay it back in monthly or fortnightly instalments over 3-120 months*. You can access the humm loan app or web portal to review your loan and manage your cashflow/payments.

*Lending criteria, fees, T&Cs apply. humm loan may have interest and costs associated like establishment fee, a monthly loan fee, and a late payment fee if you miss a repayment. Loan amounts, terms and pricing will vary by merchant.

When making a purchase with humm loan, you can apply instore at any of our merchant stores. Your merchant will guide you through the application process and a decision will be provided in minutes if all information required for assessment is provided.

Dependent on the value of the goods or service and your personalised assessment; you may be offered a loan repayment terms* of between 3 and 120 months.
You can view our How it Works page for more details.

*Minimum and maximum purchase amounts and available repayment periods differ between stores. Fees, terms and conditions apply.

With humm loan, repayments are spread over fortnightly or monthly repayments for up to 120 months, depending on the merchant's available terms.

When you apply, you nominate a funding source for repayments which can be a bank account or debit card. Repayments will be deducted automatically from the nominated funding source when they are due as per your contract. The humm loan app shows a schedule of repayments so you can keep track.

You can apply for humm loan by clicking on “Apply now” on our website or download the humm loan app from the App Store or GooglePlay. You can request for the limit and will be guided through the application process. You will also be given a decision based on our lending criteria. You can then choose to spend the approved limit at a humm loan merchant.

Alternatively, you can apply for humm loan at our merchant partner while purchasing a product or a service. Merchant partners will guide you through the application process.