Humm helps everyday Australians Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest, ever.

Whether you’re buying ‘Little things’ from $1, or ‘Big things’ up to $30,000, you can simply pay in slices over a choice of fixed term. Plus the humm App give you 100% control so you can keep life humming.

Visit to find out more!

What is humm?

Buy ‘Little things’

  • Apply for up to $2,000
  • Repay in 5 or 10 slices weekly or fortnightly
  • Repay and free up your balance to spend again

Buy ‘Big things’

  • Get pre approval up to $10,000
  • Apply instore for up to $30,000 depending on what you buy and where you shop
  • Repay over 6, 12, 24 months all the way up to 60 months.

Humm FAQs

Who can Humm?

You just need to tick these boxes:

  • Live in Australia
  • Be at least 18yo
  • Be legally allowed to sign a binding agreement
  • Have a valid email address and mobile number
  • Own an Australian debit or credit card

Why do I have two amounts – one for ‘Big things’, one for ‘Little things’?

Humm realise you have two different types of spending. First, there’s everyday spending – little amounts you want to pay back fast. Then, there’s big purchases, where you need more time to repay. With humm, you can handle both quickly, easily and from the same App.

How do I buy ‘Big things’?

You can apply for a pre-approval within your App before you shop. Just tell us how much you’d like pre-approved (up to $10,000) or let us pick an amount for you. All you need is to:

  • Work 30+ hours a week or be on an aged or veteran’s pension
  • Have access to bank statements if required

Why should I get pre-approved for Big Things?

Because you can shop with confidence. You’ll know the maximum you can spend. Then, in store just present your barcode and your pre-approval amount will be recognised. Or online, when you log-in to humm to complete your purchase, we will recognise your pre-approved amount. Remember, pre-approval lasts 60-days, so you have plenty of time.

Why did I get a smaller amount then I expected?

In some cases, we do reduce the amount we provide to you. This is an extra precaution if we know little about you – for example, if you’re new to humm. Over time, as we get to know you better, we may offer to increase your amount.

Why is the humm App important?

It gives you direct access to your account anytime, anywhere. You can search for stores, manage repayments, check what you’ve repaid, when payments are due and make extra repayments.

Does humm use credit checks?

Your credit score may be checked when you sign-up to humm. But rest assured this will not affect your credit score or leave a record on your credit file.

With no interest, are the fees high?

No, they’re not. When you buy a ‘Big thing’ you’ll pay an establishment fee of $35 to $90 – depending on the amount you’re spending. Then you’ll pay $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 repay it back over 2.5 months. If you choose to pay over 5 months, you’ll pay $8 a month.

You will only ever pay a single $8 monthly fee regardless of the number of ongoing ‘Big things’ or ‘Little things’ Payment Plans you have.

What do I do if I can’t make a payment?

Contact us immediately on 1800 088 151. We will try to find a solution that works for you. If, however, you are in default under your Payment Plan Agreement, humm may take action to recover any amounts outstanding. Unfortunately, additional fees and charges may also be payable.

Can I pay my amount early?

You’re welcome to pay your outstanding balance at any time – just include any fees. To find your payout figure write to us via the details on Get in touch. Your account will remain open but no fees will be charged unless you make another purchase.

Can I make early and additional repayments?

You can make early repayments on an active purchase at any time by using the Pay Now feature. You will need to have an active debit or credit card on your account to use this function.

If you do not have an active debit or credit on your account you will need to add one prior to attempting to use ‘Pay Now’. The ability to process one off additional repayments is not currently available in our App or online portal but please check back at a later.

What happens after my last payment?

Once you’ve paid in full and your account balance is zero, no fees will be charged until you buy again.

Why was my application unsuccessful/declined?

If your humm application has been declined, we’re sorry but we aren’t able to specify the exact reason for this. As a responsible provider of credit, we consider a number of factors as part of our assessment process. This includes, but is not limited to:

  • Your repayment history with other lenders and accounts (e.g. telco, utilities and credit accounts). This helps us determine whether you can comfortably meet your repayments.
  • Other information you provided which allows us to consider your application

Please note: for humm applications we take additional factors (such as income, spending and employment status) into consideration as provided by you during the application.

Please contact us if you wish to discuss your application further on 1800 088 151.

Can I cancel my account?

Of course you can. Just contact us and arrange repayment of the amount owing.

What is a humm Payment Plan?

This is the ongoing amount you repay on each purchase – for both ‘Big things’ and ‘Little things’. For ‘Big things’ an initial deposit will be taken in store. For ‘Little things’ your deposit is taken as an upfront payment in your humm account. And remember, you’ll have no interest to pay.

I can’t see my existing purchases (Oxipay & Ezi-Pay)

Please make sure you have the latest version of our App for your chosen device.

If you can’t see an available spend or active purchase information after successfully logging-in; please contact us on 1800 088 151 and our support team will be able to assist.

Amazing customer service and great product. We had them install a skylight and it was completed inside a month. Very quick to answer emails and any questions we had! Didn't feel like they where trying to over sell us on their products and Adam was honest when he thought a product wouldn't work. Couldn't recommend them more
Trent Stollery
Trent Stollery
00:53 07 Sep 17
I had EEC install some window insulating film just in the nick of time! Great work - professional, courteous - and the product really seems to be making a difference to my energy bill.
Karen Collins
Karen Collins
23:50 15 Dec 17
We were extremely impressed by the Service. One of the sheets lifted away in the corner of the window and when we contacted them they fixed it for us. Would recommend this store.
Jacqui Playfair
Jacqui Playfair
04:07 08 Sep 17
Very satisfied with the team and installer from the Energy Efficiency Centre. We had 2 Velux Sun Tunnels installed which have given us much needed light. I'm particularly impressed with the sleekness of the design and being flush to the ceiling is very unobtrusive and contemporary. Emma
Smaragdi Landau
Smaragdi Landau
03:59 17 Jul 17
I had properly rated insulation batts installed throughout my roof space. The old ones were too thin, tatty and covered with decades of dirt and rodent droppings, etc. The old ones were removed, (brave men), and the ceiling vacuumed. I have peace of mind now. All was done quickly and efficiently, and I hope I will notice a real difference this winter. I also decided to have five of the very best skylights. I knew from previous experience that skylights make a huge difference in those dark corners, and they have. Great for the soul to to use these previously gloomy areas of the house. All staff were professional. No problems encountered. Orders were completed quickly.
Janita Hill
Janita Hill
21:42 04 Apr 17
Got a skylight installed by EEC. Quick turnaround on a quote after my call. I had Adrian provide the quote and perform installation. He is very professional, friendly and knew his trade. Arrived on time everyday, didn't make a big mess and cleaned up afterwards. Very happy with the finished product. Highly recommend this company.
Simon Brennan
Simon Brennan
22:29 07 Jun 18
The efficiency film on the windows made a big difference to my electric bill for summer. The installation process was prompt and fastidious.
Deb Coulter
Deb Coulter
01:06 23 Mar 18
We purchased blinds for our Velux skylights and were very impressed by the great service provided by the office staff and the contractor. The price was very competitive too. Highly recommend EEC.
Sue Barton
Sue Barton
05:08 16 May 19
Thank you to the team at EEC, your knowledge and expertise in installing my new insulation has made this summer so much more bearable. Thanks to Michael for all the great advice and suggestions with our insulation. I would have no hesitation recommending EEC to others looking to improve there homes in summer.
Maree Sturt
Maree Sturt
06:49 06 Feb 19
We got a few quotes for a skylight and EEC not the cheapest but nowhere near the most expensive. It was a difficult installation but Jason did a fantastic job. I could not recommend them highly enough.
Robin Chase
Robin Chase
05:51 11 Feb 19