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OWN IT NOW. No Interest. Ever!

When you shop with humm you can spread the cost of your purchase over 5 or 10 easy payments ^, instead of paying the whole lot upfront. You only pay the cost of your purchase. There is no interest and no added fees, as long as you pay on time*.

How to pay with humm?

1. Select humm at checkout
Select humm as your payment method at checkout – this will enable the cost to be split into 5 fortnightly or 10 weekly payments^ with no interest or fees when you pay on time*. The maximum purchase price is $1000.

2. Join or log in
You will be asked to join humm or log in if you’re already a member. Joining is quick and easy, just follow the sign-up steps and you’re ready to go.

3. Nominate your card
Nominate your New Zealand MasterCard or Visa credit or debit card and humm will schedule your 5 fortnightly or 10 weekly payments.

Who can use humm?

  • Be 18 years old or over
  • Be a permanent resident of New Zealand
  • Have a permanent job (at least 25 hours a week) or be on a New Zealand Super or Veteran’s Pension
  • Are not insolvent (or have not declared bankruptcy)
  • Have a valid New Zealand driver licence or passport

Important to know

^ When you purchase with humm, up to a maximum of $1,000, humm pays the store and you pay in 5 or 10 instalments. The first instalment is due when you make a purchase, with remaining instalments due every fortnight or week depending on your payment plan.

* A late fee of $10 is charged if humm does not receive your payment by the due date. If you are past due by more than 7 days, your account may be passed to humm's Collections team where a $30 fee may be applied to your account.

For more information please visit