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Humm vs. Afterpay

Humm

Humm BTLT


Shop with 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.


For buying ‘Little things’, you get up to $2,000 and your choice to repay fortnightly in 5 or 10 slices – that’s 2.5 or 5 months. Purchases under $500 are not eligible for 5 month terms. You can even pay for ‘Little things’ weekly if it’s better for you. Plus each repayment frees your balance to spend again.


For buying ‘Big things’, you can apply in store for anything up to $6,000 – just look for a humm retailer. Then, depending on what you’re buying and where, you can choose to repay in 6, 12 or 24 months.

Humm Benefits

How Does Humm ‘Little things’ Work?

Humm ‘Little things’ is the easier way to buy and pay later, similar to other interest-free providers such as Afterpay. Experience some extra breathing space to pay off larger purchases. For ‘Little things’ you can shop online or instore at selected Betta stores, sign up to Humm (with approval in as quick as 60 seconds) and the cost of your purchase will be spread in 5 or 10 slices – that’s repayments over 2.5 or 5 months – the choice is yours. Noting for ‘Big Things’ you need to head in-store.


To be eligible to open a Humm account, you must be:

  • At least 18 years old
  • Live in Australia
  • Capable of entering a legally binding contract
  • Have a valid and verifiable email address and mobile number
  • Have an Australian credit card or debit card (VISA or MasterCard)

What’s better for me – Humm 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 ‘Little things’ Application

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)
  • Be living in Australia
  • Be at least 18 years old
  • Have a valid and verifiable email address and phone number
  • Use an Australian bank payment card
  • Be capable of entering into a legally binding contract
  • Have a verifiable and valid ID

Interest

0% interest 0% interest

Fees

No set up fee and 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 $2,000. Up to $2,000.

Payment duration

Fortnightly payments over 10-20 weeks 4 fortnightly payments

First payment

  • Outlined in your consumer portal as well as on your purchase confirmation email. 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.

Using Humm at Betta

In-store

You’re making a purchase on a new fridge at your local Betta store that’s priced at $1,000 and you’ve chosen to pay with Humm.

Simply tell the salesperson you want to pay with Humm in which you then sign up online via the Humm website. Your application should only take a matter of minutes for approval before you can complete your transaction.

With Humm, you can choose to pay the cost of your new fridge in 5 or 10 fortnightly slices – that’s a repayment period of 2.5 or 5 months. You can even pay for ‘Little things’ weekly if it’s better for you. Plus, each repayment frees your balance to spend again. Additionally, for ‘Big things’, you can apply in store and can choose to repay in 6, 12 or 24 months.


Online

You’re making a purchase on a new dishwasher on the Betta website^ that’s priced at $1,200 and you’ve chosen to pay with Humm, simply:

  • Add the product to cart
  • Proceed to checkout
  • Then select “Purchase with Humm” to continue with your Humm application and purchase

With the online purchase, the instalments will be over in 5 or 10 fortnightly slices – that’s a repayment period of 2.5 or 5 months. You can even pay for ‘Little things’ weekly if it’s better for you. Plus, each repayment frees your balance to spend again.

While other retailers such as Bing Lee use Afterpay and both Appliances Online and Retravision use zipPay, it’s clear to see that when it comes to your next purchase, whether it’s large or small, you’ll get the flexibility over your purchase and payments with Humm. It makes sense to shop better, to take home now and pay later with Humm at Betta!


FAQs


What is Humm?

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.


How can I get started?

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.


How much can I spend with Humm?

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.


What does it cost to use Humm?

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.

When are my payments processed?

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.


What happens if I cannot make my payments?

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.


Can I make additional payments or pay off my purchase in advance?

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.


What happens if I want to return my goods and get a refund?

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.


How do I close my Humm account?

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.


Where can I use Humm?

Humm is available across various categories of retailers including: Appliances (Betta, Godfreys, Magimix, Saladmaster), Jewellery & Accessories (Zamels, Michael Hill, Prouds), Home (Betta Home Living, Ambiance Indoor Outdoor Living, Australian Plantation Shutters, Barbeques Galore, CarpetCall Centre, FortyWinks), Fitness (Rebel, Sportsco, Cardiotech), Garden (Husqvarna, Modern Group, Stratco) and so much more! To see the full list of product categories and retailers please see the Humm online store directory.




^ Disclaimer: only selected products on the Betta website can be purchased with Humm.