Making More of Life More Affordable

You will need to have an approved amount to spend with humm (which you can apply for at humm.ie).

You will then choose to pay with humm at the point of purchase (in-store or online) and will be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.

You may be required to make the first payment at the time of purchase. The card you use to make this payment will then be used for the recurring payments to service the Loan Agreement.

Yes! You can make multiple purchases from multiple merchants up to the amount you have been approved for, which is valid for 90 days from approval date.

Yes, you can pay your plan off early without any additional fees or charges. You will only pay the balance owing (including interest, if any) up until the point of closure.

You can make additional payments at any time, and you can do this as often as you like – simply log in to your online customer portal (you will have received an email about logging in when you made your purchase), and clicking on your agreement number, and click making a “One-Off Payment”.

If you need to return the goods, you do this through the normal merchant process. The merchant will then cancel the purchase, and this will process a cancellation of your loan agreement. The cancellation of the agreement will process a refund of any sums paid back to your bank card.

You can make a manual payment through your customer portal or using the quick pay link that you will receive by SMS on the due date when the payment has been declined.

If no manual payment is made on the due date and the payment on the due date was declined by your Bank due to insufficient funds, we will process a retry for the payment amount on the following day automatically around 7am.

If the payment is still outstanding after the first retry then a one off €9 late fee is applied and will be due to be paid in addition to the monthly payment amount. If no manual payment is made during a day, we will continue to retry for the payment plus one off fee daily for a period of 27 days.

If the card for payments on file has expired, damaged and replaced, or been reported lost stolen, you will need to update the card details and make a manual payment. Please go to My Portal Questions here for more information. In these circumstances no late fee is applicable.

If you are experiencing temporary or longer-term financial difficulties, please email us at contactus@shophumm.com providing all relevant details of your circumstances so we can work with you to manage the situation.