Finance Options

Little things. Big things.

Everything. No interest ever.

Buy ‘Little things’
Up to $2,000 and choice to repay fortnightly in 5 or 10 slices - that's over 2.5 or 5 months1.
Buy ‘Big things’.
Flexible repayment terms depending on what you buy and where you shop.
Take it today and take time to pay - with no interest, ever1.
  • Shop now
  • Say I'll humm it when you pay
  • Sign up
  • Fast approval
  • Get the app
From the App Store or Google Play
  • Pay in slices
  • Fortnightly payments
What is humm?
Humm helps everyday Australians Buy Now Pay Later. Our payment plans are great value because humm customers pay no interest ever.
Who can humm?
You just need to tick these boxes:
  • Be a permanent resident of Australia
  • Be 18 years or older
  • Have a valid email address and mobile number
  • Have an Australian debit or credit card
  • Have an Australian drivers license, passport or Medicare card
  • For Big things you also need to have a permanent job (at least 25 hours a week) or be on aged/veteran's pension
I want to humm! Where do I start
This bit's super simple. First things first: depending on whether you're an Apple or Android person, go to either the App Store or Google Play and download the App.
Once you've got the App running, just follow the steps and you'll be good to go. Niiice!
How do I shop with humm?

Humm is fast and simple to use no matter where you prefer to shop. Online, simply select humm at checkout and you will be taken through to humm to confirm your payment. Instore, access the humm App and generate a barcode. Simply take this to the checkout with your purchase and they will scan or input the code.

With no interest, are the fees high?

No, they're not. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month. For full details read your Continuing Credit Payment Plan agreement.

When you buy a 'Little thing', there are no fees if you choose to pay it back over 2.5 months. If you choose to pay over 5 months, you'll pay just $8 a month.

You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have.

Terms and Conditions
Apply & Buy Now
Enjoy Now. Pay Later.

Minimum spend $1000. Monthly payments required. T&Cs, fees & charges apply. Available from Latitude on participating credit cards. (OR, Available on participating Latitude credit cards).

Apply & buy within minutes
Simply apply for a Latitude Gem Visa product and complete your online purchase immediately
Flexible terms
Choose from a range of plan terms up to 24 months that suit your monthly repayment needs
Shop with partners
Shop Interest Free with Latitude Gem Visa at thousands of retailers
Flexible payments
Repay your purchase over your chosen term

*Approved customers only. Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.

How Afterpay Works

Afterpay allows you to purchase in four instalments, due every 2 weeks.

For example, if you purchase an item for $200, you pay 4 instalments of $50. There is no additional cost to use Afterpay

All of your payments are interest-free, and you will receive your order right away.

Shop now.
Pay later.

Buy what you want today, pay for it in four instalments, interest-free.

Pay for your purchases over four simple instalments

Pay for your purchase over four instalments, due every two weeks. Afterpay makes it simple to pay over


Shop online

  • 1. Browse your favourite stores.
  • 2. Choose Afterpay as your payment method.
  • 3. Create your account and complete your purchase.

Pay nothing extra when you pay on time

If you make payments on time, you will only ever pay the price of the item you purchased. The only fees charged are late fees for missed payments.


Shop in-store

  • 1. Get the app, find an in-store retailer.
  • 2. Visit the store and generate a barcode.
  • 3. Scan the barcode when it’s time to pay.

No new card applications, approval decision online

Forget about long, complicated application forms. Afterpay makes it quick and easy to checkout.