To get started, visit www.shophumm.com/uk/ complete a humm application and they will assess it for you. If you are eligible for credit from humm, you can use the credit to make purchases from one or multiple humm retail partners, both in-store and online.

You will need to have an approved amount to spend with humm (which you can apply for at www.shophumm.com/uk/).

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.

The 1st instalment is taken 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 one or more retailers, as long as the total amount of all purchases does not exceed your approved limit.

You can make extra payments towards your humm agreement at any time, including paying off your agreement early.

To pay off your contract in full or make an ad hoc payment other than your scheduled payment amount, please contact us and we will provide a link where you can make the payment.

If you would like to make your next scheduled payment early, you can do so through your customer portal by following these steps:

1. Login to your account.

2. Go to the "Wallet" section.

3. Under "Active Contracts," select the contract you wish to pay towards

4. Click "Pay Now."

If you have any questions or concerns about making an early repayment, please contact us here.

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.

humm is committed to treating customers fairly, and we understand that sometimes our customers are unable to make the payments as planned. We are here to provide you with the right support.

In the event of a missed payment, we will try to get in touch with you to work together and find an appropriate solution.

We will send you an SMS and email notification of the missed payment, and provide options to make the payment. If the payment is not made on the due date, we will automatically retry the payment on the next day.

If the second attempt is unsuccessful, a late payment fee of £7 will be charged, and we will try to contact you to discuss the missed payment and your financial circumstances.

We will make two additional attempts to process the payment from your bank card if we do not hear back from you after our initial attempts, and we will continue to try to contact you.

Please contact us here if you have missed a payment so we can discuss your situation and find a solution.