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
How to use Humm in NZ
1
Apply for a humm account
Sign up at humm.com/nz. For purchases under $1,000 (little humm) approval is instant. Larger purchases require a full check.
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2
Shop at humm stores
Find NZ stores that accept humm — both online and in-store, across fashion, electronics, homeware and more.
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3
Choose humm at checkout
Select humm as your payment method. For little humm (under $1,000) it is instant. Big humm requires additional approval.
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4
Repay fortnightly
Little humm: 5 fortnightly payments. Big humm: up to 60 monthly payments depending on the plan you choose.
💰 Payment calculator
Enter a purchase amount to see your Humm repayment schedule.
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NZD
* Dates are estimates from today. Actual dates may vary based on payment day settings.
✅ Am I eligible for Humm?
Answer a few quick questions to see if you qualify.
Are you 18 years or older?
Are you a New Zealand resident?
Do you have a valid NZ debit or credit card?
Is your purchase at least $20?
This is a general guide only. Humm makes the final approval decision at checkout.
Find stores that accept Humm
Browse all NZ merchants that accept Humm payments.
Frequently asked questions about Humm
Humm has a spending limit of Up to $30,000 in New Zealand. Your initial limit may be lower when you first sign up and will increase over time as you build a repayment history. Some purchases may also be subject to additional approval.
Humm charges a late fee of $6–$10 per missed payment if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Humm app.
Humm performs a soft check (little humm); full check (big humm) when you sign up or make a purchase. This may appear on your credit file. Missed payments that are referred to a collections agency can negatively affect your credit score.
Interest charges with Humm depend on the plan you choose. Interest: None on little humm; may apply on big humm.
With Humm, your purchase is split into 5 fortnightly (little humm) or up to 60 months (big humm). Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.
Humm is available online & in-store in New Zealand. To use it in-store, open the Humm app, generate a barcode or virtual card at checkout, and present it to the cashier.
If you miss a Humm repayment, a late fee will be charged ($6–$10 per missed payment). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Humm as soon as possible if you are having trouble making payments.