- Buy Now Pay Later is offered via our lenders Humm and Humm90.
- Consultants will recommend provider based on individual circumstances
- Not to be offered in conjunction with any other offer
- Available on new quotes until July 31st 2020
Humm Payment Terms and Conditions
The terms of the humm credit contract are set out in these Terms and Conditions and your Credit Schedules (there is a separate Credit Schedule for each purchase) (together, the Contract).
One of the great features of humm is that you should not pay any more for a Good or Service at a Merchant when using humm than you would pay if you were not using humm.
If a Merchant indicates that you will have to pay more or tries to charge you more (for example by charging a higher price of the good or service, not applying a discount or rebate or by charging or bundling additional fees or charges), we want to know about it. So please tell us by contacting us at (08) 8232 2828.
We are also a member of the Australian Financial Complaints Authority (AFCA), which is an independent dispute resolution scheme. You can make a complaint to AFCA by calling 1800 931 678 or by visiting their website at www.afca.org.au – see clause 11 below for more information on making a complaint.
Humm90 Payment Disclaimer
*Approved applicants only. Fees, terms, conditions & minimum finance amount <$1,000> apply, incl. $99 Annual Fee charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date.
When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Mastercard Purchase Rate. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. See humm90.com/au for current interest rates.
Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415