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HU
Humm
Little things and big things — BNPL for purchases up to $30,000.
Repayments
5 fortnightly (little humm) or up to 60 months (big humm)
Spending limit
Up to $30,000
Interest
None on little humm; may apply on big humm
Late fee
$6–$10 per missed payment
Credit check
Soft check (little humm); full check (big humm)
Available
Online & in-store
Best for
Large purchases like appliances, furniture, or home renovation where other BNPL limits fall short.
👍 Pros
- Highest spending limit in NZ BNPL market
- Suitable for large purchases like furniture and electronics
- Flexible plan lengths
👎 Cons
- More complex product structure
- Fees and interest on larger plans
- Full credit check required for big purchases
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