Making More of Life

More Affordable. //

What is humm? //

humm offers interest-free and flexible payment plans to help you split the cost of your purchase into smaller installments. You can spend anything up to €30,000 over 10 weeks to 6 years (depending on the merchant).

Why humm? //

humm is a truly responsible lender with our customers at the heart of all we do. Encompassing all areas of life; from a new sofa to a new smile… we’re here for the big and boring as well as the small and sweet, making more of life more affordable.

Smooth humming,
high flying.

Apply for humm.

Decide how much you’d like to borrow (we lend up to €30K at selected merchants) and prepare your ID. See below for what else you’ll need.

Head to and apply for an amount you’d like to spend with humm. You could receive an answer in as little as 5 minutes.

Set up a plan.

Choose humm at the point of payment.

You’ll be directed to the web portal (online) or you may need to use your smartphone (in-store) to set up your plan and complete your purchase.

Remember, you must be preapproved for an amount to spend before you can complete your transaction.

Split your payment.

Ensure your total purchase is equal to or less than your approved amount.

You may be required to pay your first installment upfront. You’ll then split the rest over fortnightly or monthly payments, on terms ranging from 10 weeks to 6 years (varies by the merchant).

Now sit back and relax! Your remaining payments will be taken automatically from your chosen card.

Who can apply & what’s needed for humm?

at least 18 years or over.
a permanent IE resident/citizen.
PPS & proof of address.
minimum income of €1000 a month.
Photo ID and bank card in your name..
good credit history.


Visit and login or sign up for an account, or just simply apply for an amount to spend with humm. You could receive an answer in as little as 5 minutes.

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

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 providing all relevant details of your circumstances so we can work with you to manage the situation.

Got more questions?

Visit humm for further information, FAQs and T&Cs.

Fees, terms & conditions apply. The minimum purchase amount applies. Subject to assessment and approval. Finance provided by FlexiFi Europe Limited.