What is Humm?
Humm provides third-party financing, offering flexible payment plans up to $30,000 with a low fixed interest rate. It starts with an easy and digital application process, allowing you to receive a credit decision in less than 7 minutes. You can pay off the loan in equal monthly payments, up to 5 years.
Why Should I Use Humm?
- Choose a monthly repayment plan that fits into your budget.
- Take up to 5 years to pay off the loan balance.
- Receive a credit decision in less than 7 minutes, anywhere, anytime.
- Easy & digital application process.
- No hidden fees & all approved applications receive the same low fixed interest rate.
- Repay the loan balance at any time, without penalty.
Will Applying Affect My Credit Score?
- Soft Credit Check: Humm performs a soft credit check when the purchase is under $17,500. This soft check will not impact your credit score.
- Hard Credit Check: For purchases of $17,500 or more, a hard credit check is performed. This may show as a credit inquiry on your credit score.
What Do I Need to Apply for Humm?
- Be of the age of majority in your province/territory of residence.
- Canadian residence (must have a physical residential address).
- Mobile number.
- Email address.
- Credit card or Visa/Mastercard Debit.
- Online banking credentials.
What is the Interest Rate?
Interest rates can vary. Please contact the retailer directly for specific interest rate information.
Can I Repay the Balance at Any Time?
Yes! Along with no hidden fees, you can repay the loan balance at any time, without penalty.
Why Was I Denied Financing by Humm, or Why Did I Get Less Than I Applied For?
In some cases, Humm is unable to provide the full requested limit. We use proprietary technology to assess the application and determine the best credit limit based on that assessment.
How Do Refunds Work?
- All refunds are provided based on the business's return policy.
- Full refunds will be returned to the customer's method of payment, in full, after 3-5 business days.
- Partial refunds will be applied to the end of a customer's loan term, with the monthly payment amount remaining unchanged.
Who Can I Contact for Assistance with My Application?
If you have any issues or need assistance with your application, contact Humm support:
- Phone: 1-844-944-0283
- Hours: Monday - Friday, 8 a.m. - 7 p.m. ET