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4Humm

Humm

 Verified🏆 2026hummloan.com
4Humm
4.4

4,262 reviews

Positive vs Negative
82%18%
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Average Loan Term3.3 years
Transparency ?
4.3
Customer Service
4.3
Application Process
4.5

 AI reviews summary 

Pros
Easy application and setup: The application process is generally described as simple, fast, and straightforward for obtaining financing.
Manageable repayments: Users frequently highlight the flexibility of choosing repayment schedules and breaking large purchases into affordable instalments.
User-friendly app: The mobile app is widely praised for its convenience, clear transaction history, and real-time tracking of balances.
Interest-free options: Many reviewers appreciate the ability to make purchases without incurring interest charges, subject to standard account or service fees.
Verdict

Overall sentiment is largely positive, with many consumers praising the service for providing accessible financing for essential or high-value purchases such as medical, dental, and household items. The platform is valued for its transparent structure, helpful customer support, and convenient repayment tracking. However, a subset of reviews indicates frustrations regarding account management changes, platform transitions, and technical issues with payment processing or app stability.

4,262 reviews
5 Beverley E.  · I purchase and never have any isdues with Humm. Wish there were more shops available with Humm
5 Tracey  · Humm have been helpful and there when I've needed them
4 Michelle  · Very good App but needs to be tweaked so that you can pay additional if you wish.
5 Gina  · Easiest app to pay account with, but cant select any options for amounts if you wish to pay more
5 Tina S.  · I’ve had no problems with humm at all, Ive used this to help pay my solar off fortnightly and it’s been easy
5 Donna  · Humm has always been easy to operate and very informative about upcoming payments.

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 reply

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Sheyla O.
Sheyla O.
  Fair Incentive Verified

Good service so easy for use good app easy for pay Show reply

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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 reply

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Carole O.
Carole O.
 

I find staff at Figtree were wonderful and supportive and professional Show reply

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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 reply

Latest follow-ups

Cat
CatQLD
 

Happy with app, allowed us to have dental work done with no interest rate accrual Show 2 replies

 Follow-up  · Application was able to be done relatively easily. Repayments are fortnightly and there is an $8 monthly charge for 'admin' while the account is active. You can pay due payments in advance through the app. I havent had to deal with customer service so I unfortunately can not review them.

John Vergamalis
John VergamalisNSW3 posts
 
Transparency
Customer Service
Application Process

I have consistently appreciated Humm's services and have remained a loyal customer for an extended period, finding their offerings to be highly convenient. Regrettably, despite my initial positive review when Humm Classic was available, the… Read more

transition to their new platform resulted in a significant disruption to my long-standing customer relationship. Instead of a seamless migration as an existing client, I was required to reapply, an application that was subsequently declined. This effectively prevented me from continuing to utilize Humm's services, which I had done consistently for over five years, rendering my loyalty unacknowledged.

 Follow-up  · I regret not having delayed my initial review, as the cessation of Humm Classic left me in an unfavorable position. Rather than facilitating a seamless transition for existing customers, Humm introduced a new platform, necessitating a reapplication process. This application was subsequently declined, which was particularly disheartening given my consistent and timely payments as a loyal customer who had invested significantly with Humm.

Humm
Humm    

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

Daniel T.
Daniel T.VIC
 

Humm is great lets you buy things you normally couldnt afford loving it Show reply

 Follow-up  · Humm has been great i've bought things i normally could'nt but now that its changed, an its humm classic its not as good i think if you have proved your self with your repayments it should keep going an stay the same thank you

Positive reviews

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.

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

Find out how Humm compares to other Personal Loans

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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 reply

Negative reviews

Violet K.
Violet K.
 

Should be ZERO as this company is pathetic. Nobody knows what they are doing. Read out a ridiculous spiel of what they are to say to customers don't actually LISTEN TO THE ISSUE. I have waited over 10 days for a response to a REFUND THAT I AM OWED SINCE 16 JULY 2026. Apparently, they are having "TECHNICAL ISSUES!!!" this company should have their… Read more

business removed and fines issued for deceptive and misleading conduct. This has been lodged as a complaint with AFCA. Unbelievable, pathetic and disgusting not processing a simple refund back to my account which I made the payment in full the NEXT DAY!!!!

Humm
Humm    

Hi Violet, we're sorry to read about your experience and… Read more

150ironrd
150ironrdWA
 

cant pay this credit card off fast enough to get away from this company Ive read some of reviews and they've either been posted by their own staff, mentally deficient people or bots. Customer service is worse than useless, cant answer basic information about how the card works. In store like at STRATCO you will see the humm banners up… Read more

everywhere, and then when applying, purchasing etc.. HUMM and Stratco pretend like there is no relationship at all, each referring to the other like some endless parody

app is woeful, always having to sign in using password and accept terms each time I sign in a sif its the first time evr, dispite a passcode and face ID been set up many times, lots of IT issues, app down etc.. . very tedious stuff.

my advice is to go latitude credit card where you get 6 months interest free over $300 without haggling in south east asian dialect with a call centre operative with occasional rooster crowing in the background of there squat, and there is an ACTUAL relationship with the retailer like harvey norman.

I fail to see why so many companies like this go out of tier way to frustrate, gaslight and unnecessarily burden their customers with a specific brand of customer distain but this is one of them

Humm
Humm    

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

Violeta J.
Violeta J.NSW
 

If I could give ZERO stars I would. After being informed that a Case Manager would call me back I didn’t receive a call then was informed I would need to wait 5-7 business days then that there was a TECHNICAL ISSUE therefore my refund could not be processed. An o Incompetent useless company

Humm
Humm    

Thank you, Violeta, for sharing your feedback. We're very… Read more

Recent reviews

Rusty
RustyWA4 posts
 

I honestly couldn't live as well as I do without humm. I don't have credit cards, but I was put onto humm years ago now by my first large purchase, I've used them since...I've nearly finished paying my current large purchase ( my second) and I already have my 3 Rd in mind when this one is paid up... I really am so very happy with humm... I pay… Read more ·  1

$500 up front, and my payments are always manageable. The only extra I pay is a small handling fees, which are minimal...apart from that there's no extras....

Len L.
Len L.NSW
 

ok everyone needs to be truth is a good app and before they take out money they give out remainder the next payment that great ad I'm a mature person and I do forget about the payments one con about they don't tell if you card date has expired and you have go through it all over again Show reply

Karen
KarenNSW2 posts
 

I have used Humm for several purchases over the past decade, I have found them to be professional and safe to use. You can pay off the loan at a reasonable pace or pay it off faster without penalty. Customer service has always been very good. Show reply

veekay
veekay
 

Pathetic customer service. Will NEVER use humm again I will delete this account immediately once this complaint is resolved it has taken 4 days and I still do not have a phone call.

Humm
Humm    

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

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

Find out how Humm compares to other Personal Loans

Know better, choose better.

Compare all
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

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)

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 reply

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 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

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)

Pam
Pam19 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

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