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Humm - It's the payment plan that suits you!

Shop now and pay later with Humm, now available at Betta. Humm (once known as Certegy Ezi-Pay and Oxipay respectfully) is an interest-free provider that’s a new addition to the Betta range of “Buy Now and Pay Later” options. Humm is the only Buy Now Pay Later service that’s perfect for both the ‘Little things’ and ‘Big things’ in life. If you need to purchase a new fridge, washing machine or perhaps a Smart TV to take home without paying interest, then Humm is for you. As an interest-free provider, Humm essentially provides you with a line of credit so you can take your purchase home and pay it off in instalments without paying any interest. The instalments of payments may vary and while the loan is not like a traditional loan, costs are involved if you don’t meet your obligations.

And get fast approval

Checkout online with Humm

And pay your way!


How does Humm 'Little Things' work?

For ‘Little things’ you can shop online or in store at selected Betta stores, sign up to Humm and the cost of your purchase will be spread in 5 or 10 slices – that’s repayments over 2.5 or 5 months. You can even pay for ‘Little things’ weekly if it’s better for you,the choice is yours!

Purchases under $500 are not eligible for 5 month terms.

How does Humm 'Big Things' work?

For buying ‘Big Things’, you can apply in store for anything up to $6,000 at selected Betta stores. Simply tell the store assistant you'd like to pay with Humm. Then, depending on what you’re buying and where, you can choose to repay your purchase in 6, 12 or 24 months.

Humm 'Big Things' is only available in store.


What's better for me?

Humm 'Little Things' vs Afterpay

There are many other well-known interest-free payment providers in the market, a good example being Afterpay. To make things easier for you, we’ve drawn up the differences between Humm and Afterpay, so you know what you’re getting yourself into before making your interest-free purchase.

 

Whether you’re upgrading your TV to the latest smart TV or perhaps need a new oven and fridge for your renovated kitchen, or you need to replace a broken washing machine, here’s how Humm can make your purchase process Betta! Join the 1.3 million Australians who are finding the freedom to buy now and pay later with Humm.

 Humm  Afterpay
ELIGIBILITY
  • Live in Australia
  • Be at least 18 years old
  • Be capable of entering into a legally binding agreement
  • Have a valid and verifiable email address and mobile number
  • Have an Australian credit or debit card (VISA or MasterCard)
  • Live in Australia
  • Be at least 18 years old
  • Be capable of entering into a legally binding agreement
  • Have a valid and verifiable email address and mobile number
  • Use an Australian bank payment card
  • Have a verifiable and valid ID
INTEREST  0% Interest  0% Interest
FEES  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.
 No set up fee and monthly or annual fee.
FOR PURCHASES UP TO  Up to $2000  Up to $2000
PAYMENT DURATION  Fortnightly payments over 10-20 weeks.  4 fortnightly payments.
FIRST PAYMENT
  • All payments will be debited on the dates specified unless it's not a business day, in which payment will be debited the following business day.
  • For new Humm customers please note the first repayment of 20% is required at time of purchase
  • For regular "responsible spending members", it will be approx. 2 weeks from purchase date.
  • In some cases, 25% of the purchase price may be required at the time of purchase.
LATE FEES
  • $6 late payment fee, in addition to any fee or charge by your bank or credit union.
  • $30 collection fee if steps must be taken to collect the balance from you.
  • You have until 11pm on the following day to make your repayment.
  • A late fee will incur for a missed payment that is not resolved. This will be an initial $10 and a further fee of $7 if the payment is not made within 7 days
REFUNDS  Return your product to the retailer who will handle the refund in accordance with their return policy. If a refund is required in accordance with the retailer’s policy or by law, Humm will refund what you’ve paid and cancel any future payments.  Return your product to the retailer who will handle the refund in accordance with their return policy. You may be charged for the item by Afterpay if the refund has not been processed by the retailer, however, you will be refunded for any payments once the refund has been approved.

FAQs


Humm helps everyday Australians Buy Now Pay Later. Their payment plans are great value because Humm customers pay no interest, ever. With Humm, you can buy the “Little things” worth up to $2,000 and repay the purchase in 5 or 10 slices weekly or fortnightly. You can also choose to buy the “Big things” worth up to $6,000 and repay the purchase over 6, 12, 24 months.


Humm is available to you if you fit the below criteria:

  • Live in Australia
  • Be at least 18 years old
  • Be capable of entering into a legally binding agreement
  • Have a valid and verifiable email address and mobile number
  • Have an Australian credit card (VISA or MasterCard)

Humm can be used at any affiliated retail partner. When shopping online you just simply need to select Humm during the checkout process. When shopping instore you will need to let the sales staff know you would like to purchase using Humm. Simply sign up for Humm online and you could get approved within one minute, then complete your purchase and pay in various slices.


You may be eligible to spend up to $2,000 with your “Little things” application or up to $6,000 with your “Big things” application. The final amount you can spend is determined once you submit your application. How much you initially have to spend depends on how much Humm knows about you. As Humm knows more about you and your purchasing and repayment history, they may increase your limit.


Humm does not charge you fees for making a purchase and making payments on time. If you do not make your payments on time late payment fees may apply.

  • A $6 late payment fee, in addition to any fee or charge by your bank or credit union will be applied when you don’t pay your instalment on time.
  • A $30 Collection Fee will be charged if steps must be taken to collect the Balance from you.


The payments on your Humm purchase are outlined in your consumer portal area as well as on your purchase confirmation email. All payments will be debited on the dates specified unless the payment is due on a day that is not a business day. Humm may then ask your bank or credit union to debit your credit card on the following business day.


If you do not make your payments on time late payment fees may apply.

  • A $6 late payment fee, in addition to any fee or charge by your bank or credit union will be applied when you don’t pay your instalment on time.
  • A $30 Collection Fee will be charged if steps must be taken to collect the Balance from you.

If you’re having trouble meeting future payments, get in touch with the Humm support team who can help you if you have any questions about your payments. You can contact them via their support page or call 1800 088 151.


You certainly can. Humm charges no fees to complete your purchase payments early. If you would like to do this, please contact their friendly support team via their support page or call 1800 088 151.


You will need to contact us (Betta) and we’ll handle your return in accordance with our policy. If your return is accepted, we’ll let Humm know and Humm will refund what you’ve paid them and cancel any future payments. Humm will do this as soon as they can, but the process can take time.


Simply contact Humm via their support page or call on 1800 088 151 to close your account. Please note all outstanding amounts will need to be paid in full before you can close your account.