Humm Finance

To be eligible for humm you must meet the following criteria:

• Be at least 18 years of age
• Provide proof of PPS number & address
• Be an Irish citizen or permanent resident of Ireland
• Earn a minimum taxable income of €1,500 per month- joint spouse/partner income not taken into consideration
• Have a current credit/debit card and a photo ID
• Have a good credit history

 

Unfortunately there is no way of predicting if you will be approved or not, or what is the maximum amount you can be approved. You will need to complete our application form and go through the assessment in order to get an answer. 

humm are a retail instalment payment plan facility! In simple terms, we’re an easy alternative to paying with cash or credit card for goods offered by our Retail Partners.
humm allows you to spread the cost of your purchase across our partner stores. Each store has different plans to offer, so best check plans with your chosen partner store (retailer). It’s that simple!
Complete a humm application (please ensure that you are not using Internet Explorer) and we will assess it for you. If you are approved for finance with humm, you can use this approval to make purchases in multiple Retail Partner Stores!

Once you're approved you can proceed to make the purchase (in-store or online) and only need to provide your mobile number at the checkout!  You will have the option to view the terms before you complete the purchase contract both in store with the retailer sales representative or online checkout. It is important to do this as terms of contract differ from retailer, by amount and interest/fees. Please note that you will need to provide card details from where we will take the future installments.

You can use one single approval to purchase more than one product, and at more than one store too.

For fees and interest information including our interest free options, select the retailer you wish to use click here to shop. Once you have found the retailer you'd like to shop from, click on the get a quote button to see all available options for that retailer.

Once humm have received all the required documentation, the application decision turnaround time will usually be within 24 hours. During peak seasonal period, the application may take a little longer.

1) ID:
• Passport or
• Irish Driving License

We may be able to accept other documents such as European Driving Licences or Garda Age Card ID cards. They must show your Name and Date of Birth on the front page. We cannot accept Public Service Cards under any circumstances.

2) As proof of earnings / PPS Number verification, we need the following document:
• If you are employed: Payslip from the last month
• If you’re self-employed: Notice of Self Assessment return or Form 11
• If you are receiving benefits: Statement of Benefits

In case the document provided does not contain your PPS Number, we’ll request an alternative document such as Tax Credit Certificate / Form 11, medical card etc.

3) Bank statements within the last 3 months showing a minimum of 35 days transactions.

We may seek an alternative document as proof of address, which must be dated within the past 6 months such as:
• A utility or landline telephone bill
• Department of Social Protection letter or Revenue certificate
• Insurance Policy
• Mortgage Loan Offer
• Lease or Tenancy Agreement

Yes, you can pay off your humm Agreement early without any additional fees or charges. The final payoff balance will be shown in each contract in the one off payment section in the customer portal. Your contract will be automatically closed the following day and no further payments will be taken.

You can make additional payments at any time, by logging in to your online customer portal, clicking on your agreement number starting LAI-00, and click make a “One-Off Payment”. Just keep in mind that an early payment will not stop the automated scheduled payment attempting. To move the next due date to the following scheduled date you must pay an amount equal or greater than scheduled amount. You will need to e-mail us at least 24h in advance of the due date to seek a change to the next payment date weekdays and by 1pm on a Friday if the payment is due on a Saturday, Sunday or Bank/Public holiday. 

After the agreement is settled, unfortunately we are not able to amend the details on it. You will have the option at the time of purchase to view the terms before you complete the purchase both in store with the retailer sales representative or online checkout.

It is important to do this as terms of contract differ from retailer, by amount and interest/fees. Once you accept the terms you will have an option of a 14 days cooling off period to cancel the order with the retail (see  cancellation process details  in our FAQ’s for further details).