With humm loan, repayments are spread over fortnightly or monthly repayments for up to 72 months, depending on the merchant partner’s available terms. When you apply, you nominate a funding source for repayments which can be a bank account, debit card or credit card. Once nominated, repayments are deducted automatically from the account when they are due. The humm loan app shows a schedule of repayments so you can keep track.