It’s simple and easy to apply, with fast approval times. So, in most cases, you can complete your application while you make your purchase, then repay over time. Or, to save time, you can apply for pre-approval online. We’ll assess your application while you’re online and confirm the outcome. Pre-approval is available for online applications up to $5,000 and you’ll receive all the details you need so you’re ready to shop.
WHO IS humm?
humm is a leading provider of retail No Interest Ever! payment plans through a wide network of retailers and businesses.
WHAT IS A humm PAYMENT PLAN?
This is a continuing credit payment plan that lets you purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited fortnightly. There is a simple application and best of all there is No Interest Ever!
WHAT ARE THE FEES AND CHARGES FOR CERTEGY EZI-PAY?
Please read your humm continuing credit payment plan agreement carefully. This outlines all fees and charges payable along with their frequency, throughout your purchase term. When you make a purchase, humm will open an account for you. You will pay an establishment fee between $22 and $90 to set up your account. This is payable over the term of the purchase. The account will provide you access to online information about your purchase(s), credit schedule(s), access to our 1800 customer call in facility and other benefits. There is a monthly account keeping fee of $8 which will be direct debited whilst your account remains active.
CAN I MAKE MULTIPLE PURCHASES?
Your available credit increases as you make repayments, so you can shop again before you fully pay for your initial purchase. An additional purchase fee of $22.00 is payable over the purchase repayment period for additional purchases. Your online account enables you to keep track of your available credit.
CAN I PAY MY CONTINUING CREDIT ACCOUNT OUT EARLY?
You can pay the outstanding balance of your continuing credit account (inclusive of any fees and charges) on any day you wish. If you keep your account open, your available credit will be available for up to 24 months. You can shop again at any time while your account remains open and the monthly account keeping fee will continue to apply.
HOW CAN I FIND OUT THE PAYOUT FIGURE?
You can write to humm at any time via the contact us enquiry page and request the payout figure as at any date you specify. humm will provide this within 2 business days.
WHAT DO I DO IF I CANNOT MAKE A REPAYMENT?
Contact humm immediately to discuss the matter via the contact us enquiry page or call us on 1800 088 151.
CAN humm TAKE ACTION AGAINST ME?
Yes, if you are in default under your payment plan agreement, humm may take action against you to recover any amounts outstanding. Additional fees and charges may be payable in the event action is required.
CAN I CLOSE MY ACCOUNT AND ARE THERE ANY CHARGES?
Once your purchase(s) have been paid in full and your account balance is zero, you can cancel via written notice to humm or via your online account. There are NO additional fees for closing your account or paying out early.
IF I PAY A DEPOSIT, AM I GUARANTEED AN APPROVAL?
Paying a deposit directly to the merchant won’t always guarantee a humm payment plan being approved. However we will work with your chosen merchant to process your application fairly and approve wherever possible. Details of your payment plan will be confirmed to you in writing once the required signed paperwork is received, verified and accepted by us.
WHAT IS THE humm SMARTPHONE APP?
The humm App provides you with direct access to your account and repayment details anytime, anywhere. You can search for stores, manage your repayments, find out how much you’ve repaid and when your next payments are due or make additional repayments. All this and more is available via the humm App to help you manage your account on the go.
WHAT ARE THE BENEFITS OF APPLYING ONLINE?
By applying online, you complete part of the process before you shop. An account is set up for you and your pre-approval number and the maximum amount you can use your payment plan for is confirmed.
Your payment plan will only be finalised when you shop by taking your pre-approval number and ID with you to your chosen humm retailer. Pre-approval only lasts for 60 days, so make sure you shop before the expiry date or you’ll need to re-apply.
HOW IT WORKS:
Pay a small deposit
Re-pay the balance on a fortnightly basis
Term length can be up to 24 months
We at Lifestyle Mobility understand that you may not be able to afford to purchase a product outright, so why miss out on having the freedom to live independently with this great option?
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