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Humm!

Little things. Big things.

Everything. No interest ever.

Little things. Big things.

Everything. No interest ever.

Buy 'Little things'.
Up to $1,000 and choice to repay weekly or fortnightly in 5 or 10 slices - over 2.5 months1.
Buy 'Big things'.
Up to $8,000 and up to 12 months to pay, depending on where you shop and what you buy.

Up to $8000 and up to 12 months to pay, fortnightly, depending on where you shop and what you buy.1.

Shop now
Say I'll humm it when you pay
Sign up
Fast approval
Get the app
From the App Store or Google Play
Pay in slices
Fortnightly payments
Weekly option on Little Things
How it all breaks down:


little things
Your everyday spending

Big things
Life's bigger buys
Reusable Limit Yes No
Online Yes Yes
Limit Available Up to $1,000 Up to $8,000
Terms 2.5 months - 5 fortnightly, 10 weekly 12 months, fortnightly
Deposit Required at
Time of Purchase
Yes 20% for weekly
20% for fortnightly
20% on all terms
Interest Never Never
Payments Weekly or fortnightly Fortnightly
Establishment Fee No $20.00
Monthly Fee No $2.50
Late Payment Fee $10 $10

^Charged at the first of the month. If a monthly fee is missed it will be picked up in the next Direct Debit cycle.

What is humm?

Humm helps everyday NZ'ers Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever.

Who can humm?

You just need to tick these boxes:
  • Be 18 years or older
  • Be a permanent resident of New Zealand
  • Have a valid email address and mobile number
  • Have a New Zealand driver's license or passport
  • Be permanently employed working at least 25 hours per week or receiving New Zealand Superannuation or Veterans pension
  • Not be undischarged bankrupt or have reasons to believe you may become insolvent

I want to humm! Where do I start

This bit's super simple. First things first: depending on whether you're an Apple or Android person, go to either the App Store or Google Play and download the App.

Once you've got the App running, just follow the steps and you'll be good to go. Niiice!

How do I shop with humm?

Pre-approval is the way to go on this. Apply before you shop, through the humm App. Just tell us how much you'd like pre-approved (up to $8,000) or let us pick an amount for you. All you need to do is share access to your bank statements for information to help us in our approval process.

Humm is fast and simple, once approved, to use no matter where you prefer to shop. Online, simply select humm at checkout and you will be taken through to humm to confirm your payment.

For little things, it's easy you can apply for up to $1,000. Approval is fast and easy and you get a choice to repay either fortnightly or weekly over 2.5 months1. Plus each payment frees your balance to spend again.

With no interest, are the fees high?

No they're not. When you buy a 'Big thing' there will be an establishment fee of $10 and a monthly fee of $8, for any month where your balance is greater than zero2.

When you buy a 'Little thing', there are no fees.

For full details read our FAQs.