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what is humm? //

humm offers interest-free and flexible payment plans to help you split the cost of your purchase into smaller instalments. You can spend anything up to €30,000 over 10 weeks to 6 years (depending on the merchant).


why humm? //

humm is a truly responsible lender with our customers at the heart of all we do. Encompassing all areas of life; from a new sofa to a new smile... we’re here for the big and boring as well as the small and sweet, making more of life more affordable.

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smooth humming,
high flying.

Apply for humm.

Decide how much you'd like to borrow (we lend up to €30K at selected merchants) and get your ID ready. See below for what else you'll need.

Head to and apply for an amount you'd like to spend with humm. You could receive an answer in as little as 5 minutes.

Set up a plan.

Choose humm at the point of payment.
You'll be directed to the web portal (online) or you may need to use your smart phone (in-store) to set up your plan and complete your purchase.
Remember, you must be preapproved for an amount to spend before you can complete your transaction.

Split your payment.

Ensure your total purchase is equal or less than your approved amount.
You may be required to pay your first instalment upfront. You’ll then split the rest over fortnightly or monthly payments, on terms ranging from 10 weeks to 6 years (varies by merchant).
Now sit back and relax! Your remaining payments will be taken automatically from your chosen card.

who can apply & what’s needed for humm?

 at least 18 years or over.

 a permanant IE resident/citizen.

pps & proof of address.

 good credit history

minimum income of €1000 a month.

Photo ID and bank card in your name

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