humm Finance

humm offers a convenient "buy now, pay later" option that is interest-free! That's right, no extra charges while you shop for your Pets.ie favourites. With humm, it's not just easy and convenient, but it is a totally budget-friendly way to get what you need for your pets. So go ahead, treat your furry friends to that cosy cat house or stylish dog kennel, knowing you won't pay a cent extra. Enjoy the freedom to shop now and pay later, all thanks to humm!

It’s all about you, you are in total control.

• You select the goods
• You select the amount
• You select the plan
• You have full access to your humm account via your own self serve portal
• You can even pay out your purchase early without any additional fees or charges

To apply, you complete a simple, quick and easy online application form on your mobile phone or mobile device. Apply from home or on the move - It’s your choice. Please make sure that you are not using Internet Explorer when applying.

Depending on the chosen plan, there may be an application fee required up front upon approval and a monthly fee to run your account. These fees are included in your credit and payment schedules; itemised on your payment schedule so you know exactly how much you are paying. Providing you stick to your payment schedule, you know exactly how many payments you need to make and the total amount payable throughout your humm payment term.

We will send you SMS messages and emails throughout your application and time with us. Having a mobile phone number and email address is required to enjoy the benefits of humm.

Getting humm approved is simple! You need a valid email address, mobile number and meet the following minimum criteria:

• Be at least 18 years of age
• Provide proof of your PPS Number & Address
• Earn a minimum taxable income of €1,500 per month
• Have a current Debit/Credit card and a Photo ID
• Have a good credit history

As part of your humm assessment, you may need to provide additional documents such as a recent bank statement, utility bill, or payslip to support your application. Once humm has all the required information, you'll receive a credit decision within minutes!

How do I make my purchase using humm?

You will need to have an approved amount to spend with humm (which you can apply for at humm.ie).
You will then choose to pay with humm at the point of purchase and will be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.
You may be required to make the first payment 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.

Can I make more than one purchase with humm?

Yes! You can make multiple purchases from multiple merchants up to the amount you have been approved for, which is valid for 90 days from approval date.

Can I pay off my humm plan early?

Yes, you can pay your plan off early without any additional fees or charges. You will only pay the balance owing (including interest, if any) up until the point of closure.
You can make additional payments at any time, and you can do this as often as you like – simply log in to your online customer portal (you will have received an email about logging in when you made your purchase), and clicking on your agreement number, and click making a “One-Off Payment”.

What happens if I need to return the goods I have purchased using humm?

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.

What happens if I miss a payment?

You can make a manual payment through your customer portal or using the quick pay link that you will receive by SMS on the due date when the payment has been declined.
If no manual payment is made on the due date and the payment on the due date was declined by your Bank due to insufficient funds, we will process a retry for the payment amount on the following day automatically around 7am.
If the payment is still outstanding after the first retry then a one off €9 late fee is applied and will be due to be paid in addition to the monthly payment amount. If no manual payment is made during a day, we will continue to retry for the payment plus one off fee daily for a period of 27 days.
If the card for payments on file has expired, damaged and replaced, or been reported lost stolen, you will need to update the card details and make a manual payment. Please go to My Portal Questions here for more information. In these circumstances no late fee is applicable.
If you are experiencing temporary or longer-term financial difficulties, please email us at contactus@shophumm.com providing all relevant details of your circumstances so we can work with you to manage the situation.