As a humm merchant partner, you will have the flexibility to offer an additional finance option to your customers for bigger buys and expenses, and pay them off over a longer period of time ranging from 3 – 120 months.

You will have multiple options to provide your customers to meet their needs and grow sales. humm loan provides an alternative to finance options like humm BNPL which need to have comparatively higher MSF to cover the cost of finance, since costs cannot be passed onto the customer.

You will need to have:

· An email address

· Your mobile phone

· An Australian driver’s licence OR Australian passport OR Medicare and secondary ID like veteran’s card, pensioner’s card etc.

· Proof of income

· Details of expenses and liabilities

· Debit card or bank account

We need to verify your income to meet our responsible lending obligations. To do this, during the application process we will give you the option to login to your bank account and provide your bank details via Bank Statements Online so we can verify your income.
More information can be found at

We are able to assess applications that are completed using this option more quickly and you may receive the outcome of your application as soon as you submit it.

Yes, your bank information will be safe and secure. We will access your bank statements using the Bank Statements Online solution provided by illion Australia. illion's technology is used by most Australian and New Zealand lenders. More information on Bank Statements Online can be found here.

We do not receive your banking login details and can only ever access a “view only” version of your transaction data. We do not have the facilities or capability to take any action related to your account(s).

The internet banking credentials that you enter are used for Banks Statements Online (BSO) solution provided by Illion Australia Pty Ltd. Your credentials will be used to retrieve your bank statements, credentials will be managed by Ilion Australia Pty Ltd. In accordance with their Privacy policy. We only use the information retrieved through this process for the purpose of assessing your application.

If you aren’t comfortable providing your income information through Bank Statements Online (BSO) solution, you can choose the option to email your proof of income later if your merchant partner accepts it. Acceptable proofs of income are payslips, tax statements, and other documents that clearly state your income for a specified period.

If you have opted for a manual income verification process, you will receive an email with guidance on acceptable income documents that must be provided. Please note, this process will require a humm staff member reviewing your application that may require contacting you and may take longer.

Yes, you can indicate your desired credit limit during the application process online via app or through the humm website. Approval is subject to our lending criteria and the approved credit limit may be lower than your requested amount.

Applications that meet humm's lending criteria and have BSO completed can be approved within minutes. You will be immediately advised of the outcome – be it approved or approved with lower credit or declined if you don’t meet our lending criteria.

If you have been asked to submit additional documents, your application may take an additional 1-2 business days to review after submission of the additional documents.

humm loan gives you the flexibility and peace of mind to get a pre-approval for your potential spend be it a lifestyle purchase or incidental spends like dentistry, vet, fertility clinics etc. You can get pre-approval for up to $50,000 via the mobile app or online portal. Approved credit can be used at any of our merchants offering humm loan via a shorter application provided its within acceptable timeframe.

At point of sale with humm loan merchant partners. Initially, there will be limited stores that offer humm loan, but we are working to expand our merchant network.

You can use it for shop home improvement, dentistry, veterinary, fashion, beauty, solar, jewellery, appliances and other stores that offer humm loan.

In order to accept humm loan, a store needs to be part of the humm loan network. Initially, there will be limited stores that offer humm loan, but we are working to expand our merchant network.

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.

Thank you for choosing humm loan!

To get started, please fill this form and a member of our team will be in touch asap with all the required information your will need.

We will be on hand to support any questions you may have during your onboarding process and beyond.

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.

No, they are different products. Humm90 is humm group’s credit card product whereas humm loan is humm group’s flexible personal loan product. humm loan has longer repayment terms but may require interest to be paid on amounts outstanding. Loan amounts, terms and pricing will vary by merchant.

They are two different products, so you’ll need a separate humm loan account.

You can sign up for humm loan by downloading the app from the App Store or Google Play and follow the prompts and get a decision pretty quickly. Now that you are pre-approved, you can go ahead with your purchase or avail the service at a humm loan merchant partner by putting in a shorter application as we may reuse your pre-approval information where applicable.

No, they are different products. humm is humm group’s Buy Now Pay Later (BNPL) product whereas humm loan is humm group’s new regulated product and designed under National Consumer Credit Protection Act 20009 (NCCPA). humm loan has overall higher limits with more flexibility to structure repayments and terms that suit merchants and customers.

humm loan helps to make bigger buys up to $50,000 affordable by breaking the repayments down into easy to manage instalments ranging from 3 – 120 months. Your cost of borrowing such as interest charges if applicable and other fees are included in the repayments.

Customers will be approved for humm loan based on humm loan’s lending criteria and customer’s financial position.

Yes, you can. Email us with your specific e-commerce needs at [email protected].

A member of our integration team will be in touch.

These are two different products, so you’ll need a separate humm loan account. You can sign-up for humm loan by downloading the app from the App Store or Google Play and follow the prompts and get a decision pretty quickly. With this pre-approval, you can make your purchases later or you can go to a humm loan merchant partner to go ahead with your purchase.

An applicant must:

· Be at least 18 years old

· have a suitable source of income

· Be permanently residing in Australia

· Have a good credit rating

Our Target Market Determination document is here if you are interested to know more.

Note: humm loan works on a credit check system that considers your ability to make repayments, the suitability of the product, and your individual circumstances. Meeting the above criteria does not necessarily mean you meet all lending assessment criteria or that you will be approved.

Typically, an application takes no more than 10 minutes to complete. If you provide all the required information, you will generally get a decision within minutes. To reduce the time it takes, be sure to have everything you need handy before clicking “Apply”.

We’re a responsible provider of credit, which means we need to take a few factors into consideration when we assess your application.

An example of something that may affect your application is your repayment history with other lenders and accounts (e.g. telco, utilities, and credit account). Providing this information helps us determine if you can comfortably meet your repayment requirements.

However, there are other reasons we may choose not to approve your application based on the information you provide. Each case is unique, and we take into consideration additional factors like how much you earn, your spending habits and your employment status in order to make our decision. We will not approve your application if we assess you as being unable to meet your repayments.

Yes, you can buy multiple things provided you are approved for the amounts you require.

Once you submit your application (and if you have used Bank Statements Online), we will let you know the status of your application almost immediately. The status will be shown on the application screen, and we will also send you an email advising you of the same.

Our team will provide training during your onboarding.

It will also be included in the onboarding toolkit along with everything you need for getting set up and processing purchases with humm loan.

We also offer training sessions that can be scheduled virtually with a member of our team on request.

Email us at merchant [email protected] and we will organise it for you.

We have developed humm loan product under the National Credit Code (NCC) guidelines and we take our regulatory obligations very seriously.

To adhere to these regulations, we collect detailed information about your company.

You need to provide your business details, sales details and contact details.
You can view our form here. Once submitted one of our team members will be in touch.