Humm is a retail instalment payment plan facility, an easy alternative to paying with cash or credit card for your household items. Whether it’s a new couch, dining table, carpet or floor, Humm is there to make your Finance For Furniture simple! You can even bundle together a new sofa for your living room, carpet for your hallway, bed for your bedroom and pay back in easy to manage monthly repayments!

It’s all about you – you’re in total control. You select the goods; You select the amount; You have full access to your Humm account via your very own self-serve portal. You can even pay out your purchase early without any additional fees or charges. Like we said, it’s all about you!

Humm like to know their customers so to apply, you complete a simple, quick and easy online application form on your mobile phone or mobile device. Apply from home, at the office or in-store – it’s your choice.

There’s an application fee paid up front for your Finance For Furniture in Ireland upon approval and a monthly fee to run your account. These fees are included in your credit and payment schedules; itemised on your payment schedule so you know exactly how much you are paying. Providing you stick to your payment schedule, you know exactly how many payments you need to make and the total amount payable throughout your Humm payment term.

Humm likes to keep in touch so will send you SMS messages and emails throughout your application and time with us. Having a mobile phone number and email address is required to enjoy the benefits of Humm.

To apply for Humm, all you need is a valid email address, your mobile phone number and meet the following minimum criteria:

  • Be at least 18 years of age
  • Be an Irish citizen or permanent resident of Ireland
  • Earn a minimum taxable income of €1,000 per month
  • Have a current credit/debit card and a Photo ID
  • Have a good credit history
  • Minimum order value of €80


Humm Finance plans available:


No Interest Ever plan

  • Available on purchases of €80 – €499.99
  • Pay 20% upfront and x4 equal fortnightly payments thereafter.
  • No fees or interest

Low Interest plan

  • Available on purchases of €500 – €999.99
  • Spread to cost over 6 to 12 months
  • 3.99% fixed low interest rate. €10 application fee (successful applications only) & €1 monthly account keeping fee.

Interest Bearing

  • Available on purchases of €1,000 – €30,000
  • Spread the cost over 24 or 36 months
  • 6.99% fixed interest rate. €40 application fee (successful applications only) & €3.50 monthly account keeping fee


During your Humm assessment, additional documents such as a recent bank statement, utility bill or payslip may be requested to support your application. Once we have all we need, you’ll receive a credit decision within minutes! It’s that simple!

Once you’re approved, simply provide your mobile number in-store to complete your purchase.

See full Terms & Conditions (https://www.shophumm.com/ie/important-information/)