Finance Options

Little things. Big things.

Everything. No interest ever.

Buy ‘Little things’

Up to $2,000 and choice to repay fortnightly in 5 or 10 slices - that's over 2.5 or 5 months1.

Buy ‘Big things’.

Flexible repayment terms depending on what you buy and where you shop.

Take it today and take time to pay - with no interest, ever1.

• 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

What is humm?

Humm helps everyday Australians 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 a permanent resident of Australia
• Be 18 years or older
• Have a valid email address and mobile number
• Have an Australian debit or credit card
• Have an Australian drivers license, passport or Medicare card
• For Big things you also need to have a permanent job (at least 25 hours a week) or be on aged/veteran's pension

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?

Humm is fast and simple 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. Instore, access the humm App and generate a barcode. Simply take this to the checkout with your purchase and they will scan or input the code.

With no interest, are the fees high?

No, they're not. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month. For full details read your Continuing Credit Payment Plan agreement.

When you buy a 'Little thing', there are no fees if you choose to pay it back over 2.5 months. If you choose to pay over 5 months, you'll pay just $8 a month.

You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have.

Enjoy Now. Pay Later.

Minimum spend $1000. Monthly payments required. T&Cs, fees & charges apply. Available from Latitude on participating credit cards. (OR, Available on participating Latitude credit cards).

Apply & buy within minutes

Simply apply for a Latitude Gem Visa product and complete your online purchase immediately

Flexible terms

Choose from a range of plan terms up to 24 months that suit your monthly repayment needs

Shop with partners

Shop Interest Free with Latitude Gem Visa at thousands of retailers

Flexible payments

Repay your purchase over your chosen term

*Approved customers only. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.