After making a purchase with humm loan, your Available Limit (the amount you have available to spend) will go to zero, however as repayments are made, your Available Limit will gradually increase.

Your Available Limit may also go to zero if you are in arrears on your account.

A credit limit is the maximum amount that is available to you for your purchases after our assessment. All of your repayments, interest fees and applicable fees are counted towards your credit limit.

The credit limit varies per customer. You can view your credit limit in your online account.

Yes, you can request an increase in your credit limit through your account. A credit limit decision will be provided based on our assessment criteria.

· Log in to my humm loan account

· Select “Increase limit ”

You will be guided through the process.

Note: Approval is subject to our assessment criteria.

Yes, there are two ways to access your account online:

· Mobile app – The humm loan app is available for download in the App Store and on Google Play.

· On a web browser – You can register for access to view and manage your account online

You can update your contact details at any time through the humm loan app or your online humm loan account.

You can give us feedback or escalate an unresolved concern through the Compliments & Complaints form.

Feedback will be lodged and passed on to our humm loan team for consideration. You will not receive any further correspondence from us.

If you’ve lodged a complaint of unresolved concern, we will contact you within 10 business days.

If you are unhappy about the resolution of your concern, the Australian Financial Complaints Authority (AFCA) helps individuals resolve disputes with financial service providers. You can reach them by calling 1300 135 504, or use their online complaints form to lodge a complaint.

The credit limit provided to you is after our assessment. We use proprietary technology to assess your application on a wide range of factors including your bureau credit score and provide you with an appropriate credit limit based on that assessment. For example, you may request a higher credit limit which we may determine you would not have the capacity to repay. In that case, we may suggest a lower credit limit which we assess you as being able to afford based on the information you provide to us.