How does humm work? Skip to content Search for... How it works Download Business FAQs Login / Apply Login Login / Apply Navigation Menu Search for... Navigation Menu How it works Download Business FAQs Login / Apply Home | How it works Let’s get humming. Here’s how it works// With humm you can buy now and pay later, not just for little things, but for big ones as well. humm members can repay in 6 easy bi-weekly installments for little things purchases up to $1,500, or repay over 6 to 60 months for big things purchases up to $30,000. JOIN HUMM TODAY DOWNLOAD THE APP JOIN HUMM TODAY DOWNLOAD THE APP HUMM ONLINE HUMM IN-STORE HUMM ONLINE 1 Shop online with any humm retailer Choose humm as your payment option when checkout online. 2 Login or sign-up You will be directed to the humm portal to login or sign-up. 3 Choose humm at checkout Your items will be delivered to your door. Pay later with humm. CHECK YOUR ELIGIBILITY HUMM IN-STORE 1 Donwload the humm app Download the humm app and sign-up today. 2 Shop at any humm retailer Shop in-store with the humm app ready. 3 Checkout with humm Let your retail assistant know you’d like to checkout with humm. CHECK YOUR ELIGIBILITY HUMM ONLINE HUMM IN-STORE 1 Shop online with any humm retailer Choose humm as your payment option when checkout online. 2 Login or sign-up You will be directed to the humm portal to login or sign-up. 3 Choose humm at checkout Your items will be delivered to your door. Pay later with humm. CHECK YOUR ELIGIBILITY 1 Donwload the humm app Download the humm app and sign-up today. 2 Shop at any humm retailer Shop in-store with the humm app ready. 3 Checkout with humm Let your retail assistant know you’d like to checkout with humm. CHECK YOUR ELIGIBILITY Shop little. Shop big. Little Things Up to $1,500 Shop for beauty, fashion, furniture and more. Shop for beauty, fashion, furniture and more. Time to pay 6 bi-weekly payments Monthly fee $0 Set up fee $0 Get started with a Little Things account, upgrade to Big Things later. Big Things Up to $30,000 Shop for jewelry, appliances, home renos and more. Shop for jewelry, appliance, home renos and more. Time to pay 6 to 60 months Monthly fee* $5 Set up fee* $0 *May vary by retailer. Little Things Up to $1,500 Big Things Up to $30,000 Little Things Up to $1,500 Shop for beauty, fashion, furniture and more. Shop for beauty, fashion, furniture and more. Time to pay 6 bi-weekly payments Monthly fee $0 Set up fee $0 Get started with a Little Things account, upgrade to Big Things later. Big Things Up to $30,000 Shop for jewelry, appliances, home renos and more. Shop for jewelry, appliance, home renos and more. Time to pay 6 to 60 months Monthly fee* $5 Set up fee* $0 *May vary by retailer. Sign-up What our customers are saying // Use the humm app to keep track. Track your account in real time Check your available spend See your upcoming payments FAQs Getting Started b What is humm? humm is a Buy Now Pay Later service, providing consumers with a new payment option both online and in-store. With humm, you can shop not just the Little Things up to $1,500 but the Big Things as well, up to $30,000 and pay it later. b Am I eligible for humm? To get a humm account you need to: Be a Canadian citizen or permanent resident (humm is currently not available to residents of Quebec but we are working on it!) Be at least 18 years of age Have a valid Visa or Mastercard debit or credit card, or an American Express credit card Have never declared bankruptcy or insolvency b What is Buy Now Pay Later? Buy Now Pay Later is revolutionizing how the world shops. It provides consumers with a payment option at the point of purchase, which means you can take your item home now, from Little Things like sneakers to Big Things like couches, and spread the payments over a pre-determined amount of time. b 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 to determine if you are eligible to use humm. See below for further information on credit searches. b What are Little Things and Big Things? At humm, we do Buy Now Pay Later a little differently. Instead of focusing on the little joys in life, we want to allow our customers to buy whatever they need, both big and little. This means we’ve split our product in two: Little Things for your purchases up to $1,500, and Big Things for those purchases over $1,500, all the way to up $30,000. humm allows you to spread out the cost of your purchase when buying from any of our retail partners. We provide fixed sum payment options and each retailer will offer a tailored set of payment options, so check the terms with your chosen retailer. Here’s a simple chart to help you understand how Little Things and Big Things work: ‘Little Things’ Apply for up to $1,500 online or in the app Repay in 6 bi-weekly payments Make multiple purchases up to your limit. Repay and free up your available credit to spend again. ‘Big Things’ Apply for up to $30,000 online or in the app Repay over 6 months all the way up to 60 months, depending on the retailer Make multiple purchases up to your limit. Repay and free up your available credit to spend again. You can buy online or in-store with some of our merchant partners, here’s how: Online – simply go to any website which has the humm logo (or choose from our Store Directory), choose humm at checkout and you’ll be taken to humm to set up your account or, if you already have an account, select your payment plan. We are continuing to partner with more retailers – keep an eye out in the app or online for new additions to the humm world. In-store – open the humm app, complete your humm registration if you haven’t done so already, create an account, and get your limit. Let the retailer know at checkout with the thing you want to buy, and they’ll take it from there. Please visit Terms & Conditions to review our full terms and conditions and detailed product information. b What documents are required? We may ask for documents to assist us in verifying your identity or assessing your application for a humm payment option. 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. b Where can I shop with humm? You can use humm in-store or online at participating humm retailers. We are adding more retailers to the humm family every day. b Can I buy multiple things? Yes, you can make one or more purchases from one or more retailers up to the maximum amount you are eligible for in your Little Things or Big Things wallet. 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