humm | Pay Later Shopping

Humm helps you get more life for your money. We offer a range of easy and flexible, interest-free payment plans to help you split the cost of your purchase into smaller instalments. Shop up to £30,000 and repay over terms ranging from 10 weeks up to 6 years.
Humm encompasses all areas of life; from a new sofa to a new smile, we’re here for the big and boring to small and sweet, making more of life more affordable.

GET HUMMING
• Download our app and apply for a loan.
• Shop online or in-store and pay later in manageable instalments.
• Shop a range of Fashion, Home Improvement, Healthcare, Furniture, Automotive, Tech and Fitness from your favourite retailers.
• After you’re done shopping, choose humm as your desired payment option at the check-out, online or in store.

HUMM IN CONTROL
Manage your purchases easily in the Humm app. With lower monthly repayments, Humm helps you afford large purchases and stay in control of your finances. Payments will be deducted automatically from your chosen bank card.

WHY HUMM?
• Easy flexible affordable payment plans
• Finance up to £30,000 - more life for your money.
• We’re FCA Regulated, so unlike others, you’re always covered with us.
• Join 2.7m other users who have upgraded their life.

START HUMMING TODAY
• Sign up: Download the humm app and apply for an instant decision.
• Set up a plan: Choose humm when at checkout and select a payment plan in the humm app.
• Split your payment: Pay back in fortnightly or monthly instalments.

HOW CAN I GET HUMMING?
• Permanent UK resident.
• Aged 18+.
• Government issued photo ID.
• UK debit or credit card in your name.
• Minimum £1000 income per month.
• The humm app is free to use but an internet connection is required and normal data charges apply.
• Downloading and using the humm app is subject to humm Terms of use (https://www.shophumm.com/uk/mobile-terms/)

HUMM RESPONSIBLY

Representative Example
7.97% APR Representative based on a loan of £3,500 repayable over 36 monthly payments at an interest rate of 4.99% pa (variable) with a £25 upfront Application Fee and a Monthly Account Fee of £3.50.
Repayable by 35 Monthly Payments of £108.40 followed by a Final Monthly Payment of £108.27 (payments include monthly account fees). Total amount payable £3,927.27.
Representative APR applies to loans of £1,000 – £30,000 over 1 to 4 years.

You have the right to withdraw from the Loan Agreement, without giving any reason, for a period of 14 days beginning on the later of the day after the Agreement Date and the day after the date on which you receive a copy of the Agreement. You may exercise your right by contacting us at contactuk@shophumm.com and you will then have 30 calendar days to repay any outstanding balance. If you withdraw from the agreement within the 14-day period it will be treated as if it was never entered into.


Humm is a trading style of Humm Group Limited which is authorised and regulated by the Financial Conduct Authority. Financial Services Registration Number 954478. humm offers both regulated and unregulated products. Our interest free plans which are repayable within 12 months and in no more than 12 instalments are not regulated by the Financial Conduct Authority.

Full details can be found in FAQ’s (https://www.shophumm.com/uk/faqs/) and our Privacy Policy is available at https://shophumm.com/uk/privacy