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4Humm

Humm

 Verified🏆 2026hummloan.com
4Humm
4.4

4,245 reviews

Positive vs Negative
82%18%
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Loan TypeFixed Rate, Variable Rate, Line of Credit and Split
Average Loan Term3.3 years
Transparency ?
4.3
Customer Service
4.3
Application Process
4.5
Timeliness ?
4.5

 AI reviews summary 

Humm is highly regarded by consumers as a flexible and accessible financial service, particularly for large essential purchases such as solar panels, dental work, and hearing aids. The majority of feedback highlights a seamless application process and an intuitive mobile app that simplifies payment tracking. However, a segment of long-term users report significant frustration following recent platform changes and stricter credit re-assessments.

Pros
  • Flexible Repayment Options: Users frequently praise the ability to spread large costs into manageable, interest-free fortnightly or monthly instalments that align with their budgets.
  • User-Friendly App: The mobile interface is commended for its simplicity, allowing users to easily monitor balances, track transaction history, and make early manual payments.
  • Accessibility for Essentials: The service is noted for providing vital financial support for emergency medical, dental, and home repair costs that may be difficult to fund upfront.
  • Efficient Approval Process: Many report a fast and straightforward application experience, often receiving instant decisions either online or at the point of sale.
Cons
  • Platform Transition Issues: Recurrent complaints focus on the shift from "Humm Classic," with long-term loyal customers reporting technical errors, lost credit limits, and the requirement to re-apply for service.
  • Payment Processing Delays: Several users highlight that manual payments can take 5–7 business days to clear, leading to "pending" statuses that do not reflect in real-time on the app.
  • Technical App Glitches: Significant issues include the app failing to remember login credentials (Face ID/PIN), frequent logouts, and intermittent system maintenance preventing account access.
  • Aggressive Debt Collection: Some reviewers report receiving excessive phone calls and automated late fees immediately after a single missed payment, even when they have a history of on-time transactions.
Verdict

Humm is a reliable and convenient "Buy Now, Pay Later" solution for consumers managing high-value purchases through a mostly seamless digital experience. While it excels in flexibility and ease of use, potential users should be aware of slow payment processing times and a customer support system that some find difficult to navigate during technical or billing disputes.

4,245 reviews
5 John  · Good to deal with and no unexpected changes or problems
5 Wally  · Very good company to deal with and terrific rates and service in
5 Mr cordell  · Humm made grabbing a good sale easy repayments of my choosing and when and paying off early was simple great stuff
5 Happy  · Easy basic site Easy application Great communication with customer service when I had issues logging in at the beginning.
5 Jenny Ullmann  · Been very happy so far with Humm. Been a great service
5 Georgette Trajkovski  · Humm Is excellent I have use humm for a few years now yes I recommend other people to join up with humm
REBECCA
REBECCAQLD2 posts
 

After having humm for years never missed payments and then when they changed I no longer can get his even for medical no bad credit file I just dont have a file because I dont have credit or debts

Humm
Humm    

Thank you Rebecca for sharing your experience, and for being… Read more

Ask the reviewer
Vanj
VanjWA
 

I’ve been using humm for long time to buy gifts and different appliances like washing machine, new stove etc. It helped me a lot when i needed it most like when my stove was untimely broken and i don’t have enough money to buy new one at that time so i used humm and on the same day i got a new stove. No pressure in paying back. Convenient payment… Read more ·  1

system. Customers Service support is excellent. I recommended humm to my friends and family. Thanks humm.

Grant F.
Grant F.QLD2 posts
 

Threatened to send our account to debt collection over 1 missed payment. This was only due to us changing banks and Humm making it exceedingly difficult to update bank details with them.

Humm
Humm    

Hi Grant, We’re sorry to hear about your experience and… Read more

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Reviews with attachments

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Jason Cressbrook
Jason CressbrookQLD2 posts
 

I purchased my solar power panels through Humm. I got approval directly through the seller. The seller contacted Humm finance themselves for me. I'am very happy with Humm. Show details ·  1

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Sheyla O.
Sheyla O.
  Fair Incentive Verified

Good service so easy for use good app easy for pay Show details ·  1

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Carl M.
Carl M.
 

Terrific service… I would recommend to my family and friends…. Show reply

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Vanessa
Vanessa
  Fair Incentive

Such a strong product that gives us peice of mind in its safety. Customer service was brilliant. Easy for us to follow instructions and put together Show reply

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Les A.
Les A.
 

Humm has always been helpful for the past few years Show details ·  1

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Carole O.
Carole O.
 

I find staff at Figtree were wonderful and supportive and professional Show details ·  1

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Adrian
Adrian
 

Not bad to use. It wasn't clear to me at the start but after the first few payments came out I was happy. Show details ·  1

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jewels2202
jewels2202
 

Haven’t been able to use since it all changed which really upsets me for the fact I always paid my payments and on time at that and now it is so very hard

Humm
Humm    

Hi Jewels, We appreciate the time you have taken to leave… Read more

Latest follow-ups

Gregory D
Gregory DQLD4 posts
 

I have been using Humm for several years now and have had no problems I have found their application system very easy to follow their payment system is affordable and their staff extremely knowledgeable and eager to help if required I would have no hesitation in recommending Humm to my family and friends. Show reply

 Follow-up  · I can't find fault with Humm the team has been extremely helpful the application was easy l was approved the same day the repayments are fixed rate NO interest and no hidden fees there is a monthly charge which is mentioned at the start every thing is open and upfront l would still have no hesitation in recommending Humm again and would definitely use them again if necessary l stand by my previous review.

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James B.
James B.3 posts
 

Humm is a great way to manage high value purchases in easy monthly repayment plans from 1 - 5 years depending on the purchase amount. Show reply

 Follow-up  · Hiumm has change their process from their original years of operation and now have a more formalised credit application and credit reference check process to comply with new laws for consumer credit finance on a buy now pay later arrangement. You still need a 20% deposit of the total purchase price before proceeding with new application process.

Kaz
KazQLD3 posts
 

Very easy to use and staff are incredibly helpful and friendly

 Follow-up  · There seems to be a new app and I cannot seem to use Humm anymore

Humm
Humm    

Hi Kaz, We really appreciate you taking the time to leave… Read more

Positive reviews

Linda S.
Linda S.QLD
 

Humm is an easy to use platform . The customer service experience is excellent and extremely professional .. I experienced no hidden costs and paid the product loan off in the predicted time with no issues. Show reply

Jai D R
Jai D RVIC
 

Humm has a really easy application process, has decent range of retailers and checkout is smooth. With Humm you can choose your repayment schedule to align with your needs. Show details ·  1

Johnena H
Johnena HNSW7 posts
 

made it easy to get the loan. service was good just a little slower than before . thought the process was a little intrusive into personal stuff but I got over it. lol. many thanks to Humm Show details ·  1

Negative reviews

Cal
Cal23 posts
 

This is the worst company I have ever used! The Philippines call centre is hopeless. It used to be a good business it’s now terrible. I went to purchase some golf equipment and now you have to get a loan. Hopeless

Humm
Humm    

Hi Cal, We appreciate the time you have taken to leave… Read more

Daniel
DanielVIC2 posts
 

DO NOT RECOMMEND. Blatant stalling tactics when trying to pay balance outstanding and close the account. They claim it takes 5-7 business days to process a payment.

Humm
Humm    

Hi Daniel, We appreciate the time you have taken to leave… Read more (+1 reply)

Kirsty
KirstyQLD
 

I got humm loan to purchase a sleep machine in december and own my god i have so much trouble with this humm not happen at all if new going do this would got sleep machine at all hear what happen pay them every fornight and that fine but said take out of suncorp did first then next pay said take out off anz accont and not suncorp account as… Read more

told only account want out off not suncorp well my god they try take 2 lots off money two money out same day luck noice it before toke out off my suncorp account i call been stop it in time other wise would have no money for food as are stugging to get buy and call them only say sorry what hell that and made complaint letter to them and did end call me dident do much at all they said sorry and give me 10 dollaers off that all since then i toke other suncorp account off so dident happen again still this day still having troubles with them keep saying pending so end up pay on phone and fine but never come off the app then call the arrest u when i already pay it then when up most time keep pending lot payment not even due yet then when call tell but it all sudden disappear om app but keep happen all time if new going have problem would gone with them had mkney pay ot outwards i would get of the humm had enough making me sick and stress very day mostly have call all time get staff rude dont give d#mn lone get money every fornight keep call them said do same think about it and they dont getting sick stresd and depressed make cry every day deal with all this had enough with humm only recently call me told own 100 when all ready paid on phone other when coming ojt said pending bit said dident even look comments what last person talk to my point this want other person think before going this company i had it with this had made other compliant dont going work have go acca fix this making me stress dont other perpole go through this just not acceptable even have taken one paid over phone off app said paid it still show owning and show most time 3 time mount in advance not even due so bit sick ofc this just let people now will be going acca dont second complaint going work

Humm
Humm    

Thanks for taking the time to share your experience Kirsty.… Read more

Recent reviews

Therese S.
Therese S.3 posts
 

Loving the app, easy to navigate, enjoy watching balance owing reduce, like the fact of being able to alter due date of next payment to suit incoming funds. It's due to HUMM, I'm enjoying daily massages on zero gravity massage chair, Thankyou ✨ Show details ·  1

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Annie J.
Annie J.VIC7 posts
 

I don’t like your company, the repayments for a pensioner are ridiculous and the extra amount between payments is nothing but a rip off! If anyone asked me about getting a loan from your company, I’d tell them not to do it, take it directly out of your pension which does not charge for paperwork or interest.

Humm
Humm    

Hi Annie, Thank you for sharing your feedback. We’re sorry… Read more (+1 reply)

Sam
SamNSW6 posts
 

Can’t pay my balance and it’s been stuck like this for over a week. They’re claiming “essential system maintenance” for more than a week? That doesn’t pass the sniff test. It feels far more like a serious issue like a back-end failure that they’re not disclosing. And “intermittent outages” is nonsense. I haven’t been able to sign in at all… Read more

through the app for over a week.

Meanwhile they will probably still hit customers with the monthly $8 fee for a service that doesn't even exist.

Get your act together, this is beyond pathetic.

Humm
Humm    

Thanks for taking the time to share this feedback Sam and… Read more (+1 reply)

Pam
Pam18 posts
 

Customers service. Humenergy "Jack" he is always polite and helpful every time I call hum. He is a asset to the company. Hope you big wigs read this. Give him a bonus. Show reply

Mitchell
MitchellNSW2 posts
 

I found that humm was easy to access and were very helpful to any queries I've had. I have no hesitation in recommending humm to anyone who needs interest free purchases Show reply

 Follow-up  · I still find that HUMM is easy to access as very simple

Heni E.
Heni E.
 

Terrible customer service. My bank notified me on an unpaid Humm90 debt from 2020 which was flagging on my credit rating, when I contacted Humm90 to query this issue they told me they had passed it on to a debt collector and it was no longer their issue, keeping in mind it is now 2026. Humm90 did not try contact me via email, letters or phone to… Read more

discuss this. I contacted the Debt collector and they told me the account had in fact been paid and closed and that Humm90 had made an error. It has been 6 years and this now reflects on my credit rating because Humm90 failed to close my account or clear a debt that was not there to begin with. Very poor and unprofessional!!

Humm
Humm    

Hi Heni, we’re really sorry to hear about your experience… Read more

oly
oly20 posts
 

Terrible service. I forgot my first payment was coming out Jan 14th so the direct debit got rejected as I hadn’t put funds in that account. I paid it about half an hour later on the same day. Spoke to 4-5 people who didn’t really help…I even made an extra 2 repayments for good measure. Communication with them is awful. The app this month tells me… Read more

1 overdue by 3 days up top. For no good reason as I’m 6 payments ahead! Their app is terrible as well.No account number details, keeps logging off, no proper help portal, money keeps showing as pending till the month is finished NOT when you’ve actually paid it? And when making payments through the app your payments come out like 5 days later.How ridiculous … literally any other type of financial provider processes the payment instantly why can’t these guys do the same?? what a terrible choice, never again. I’ll pay it off by next month to not deal with these guys for the next 5 years

Humm
Humm    

Hi Oly, thank you for taking the time to share your feedback… Read more

Michelle G.
Michelle G.VIC3 posts
  Verified

Humm Finance has been very easy to deal with. The loan application was handled smoothly, and the app is extremely user-friendly. All loan conditions and payment details are clearly accessible within the app, which makes managing everything straightforward. One of the best features is that as I pay down the loan, the available balance increases, giving me access to funds again if I ever need them. Overall, I’ve found the experience very pleasant. Show details ·  1

Ross
RossSA
 

App keeps logging out, not remembering saved username and password, making me reset a new pin, just bad. When contacting company hard to understand as all pass you onto someone else because they can’t help, most have thick accents of different types so communication even harder. Just a real pain to deal with especially with the number of things that go wrong. Show details

Humm
Humm    

Hi Ross, thank you for sharing your experience with us.… Read more

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