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So you don’t have the cash upfront - but you really need that lounge suite, or your child has outgrown their cot and needs a bed. What options do you have?

Credit cards: these need to be paid off within the month or interest rates between 12 - 20% are payable.

Interest-free period: If you don’t pay for your item during an interest-free period, you could get charged up to 30% after the interest-free period.

Traditional layby: You won’t get your item until you’ve paid it off.

Is there a better option?

Yes - Humm.

No interest charges EVER!

Humm is a take-home layby scheme where you will never be charged any interest. Ever!

There are no interest-free periods with Humm payment plans.


Work out repayments before you purchase

Use the Humm repayment calculator to work out your fortnightly payment before making a purchase.

Humm payment plans are a simple and convenient way to pay:

  • fortnightly instalments
  • payment amounts tailored to fit most budgets
  • choose how much you can afford to pay every fortnight
  • know how long it will take to pay off

You can check your account and repayment details easily with the Humm App. Pay off your balance anytime.

Quick and easy application

You can apply for pre-approval online before you shop - or apply for a payment plan in store when you’re ready to make a purchase. Your application is assessed straight away.

Low set-up and maintenance fees

There is a low one-off establishment fee, payment processing fee, and monthly account keeping fee. View current fees.


Get your questions answered and find out why over 1.4 million Australians choose Humm to make purchases for furniture, home improvements, soft furnishings, and more.

Bought our new lounge suite from Paul, the service was second to none. Friendly, helpful.. a gentleman. Used the certegy finance option, was easy and stress free. Thanks Paul!!!!
- Judy Smith

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