Humm Information and FAQ

What is humm? Humm is a retail installment payment plan facility! In simple terms, humm is an easy alternative to paying with cash or credit card. Humm allows you to split your payments according to goods and services at participating retailers.

How to get humming:

  • Apply Online: Apply by signing up through the humm website and humm will give you a fast decision.
  • Shop: Shop at CPFC and select humm as a payment option at the checkout.
  • Pay in 5: Split the cost of your purchase into 5 fortnightly slices, with the first one being paid at the time of purchase.
  • No hidden costs: You'll only pay what you spend with 0% interest. Please note that if a payment is not made on the due date a late payment fee will be applied.

For more information see




What Documents are required?

We may ask for documents to assist us in verifying your identity or assessing your application of a loan.

If we do require documents we will email you with our specific request. For more information on how we process your documents please see our privacy policy.


How do I Apply?

Visit our website or download our App and complete the information requested through the application form.

We will assess your application based on the details you provide us with and other external data sources (see below for further information on Credit searches) to assess if you are eligible for a loan.

We do perform a hard credit check for each new application that is submitted for assessment.


How do I make my purchase using humm?

You can shop online or in-store with any of our retail partners.

Select your goods or services and at the check-out select the option to pay using humm

You will then be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.

You will need to make the first payment at the time of purchase and the card you use to make this payment will be used for the recurring payments to service the Loan Agreement.


New Customer


How does humm work?

In simple terms, we're an easy alternative to paying with cash or card for goods offered by our Retail Partners.

Humm allows you to spread the cost of your purchase when buying from any of our retail partners. We provide fixed sum loans and each retailer will offer a tailored set of loan terms so best check the terms with your chosen retailer by getting a quote through Complete a humm application (please ensure that you are not using Internet Explorer) and we will assess it for you. If you are eligible for a loan from humm, you can use the loan to make purchases from one or multiple of our Retail Partners, both in-store and online! It's that simple!

You will then pay back the loan over the agreed term making payments to humm based on the terms agreed at the time of the purchase. The first payment is due at the time of purchase. See below for further details.
Late Payment Fees will apply where you do not make a payment on time. See below for further details on recurring payments.

Please visit Terms & Conditions to review our full terms and conditions and detailed product information


Am I eligible to apply for humm?

To be eligible to apply for humm you must meet the following criteria:

  • Be at least 18 years of age;
  • Have been a resident of the UK for at least 6 months; and
  • Have a UK credit or debit card.


Can I buy one more thing?

Yes, you can make one or more purchases from one or more retailers up to the maximum amount you are eligible for.


For the full FAQs please visit the humm website