Buy Now Pay Later Gardening

Shop at Gardening Store, pay later with humm

Shopping at Gardening Store just got easier. With humm, you can buy now and pay later with regular, interest-free instalments.

If you're new to humm little things, you can apply while you checkout with Gardening Store by following the prompts. Approvals are instant (if you qualify), so you can start shopping right away.

If humm big things is available at Gardening Store, you can apply via app or online (lending criteria, fees and T&Cs apply).

Gardening Store Buy Now Pay Later with humm

shop online bnpl

HOW TO SHOP ONLINE WITH HUMM

To shop online, select humm at the checkout. You'll be taken through to humm to get payment sorted.

Shopping for little luxuries and bigger buys is easy as 1 - 2 - 3.

humm app phone bnpl

Home Improvement & Hardware, Lifestyle
Gardening, Home, Lifestyle

Dealing with retailers

Getting started

To get a humm account you need to:

• Be an Australian citizen or permanent resident.
• Be at least 18 years of age.
• Have a valid debit card, in your own name.
• Have never declared bankruptcy or insolvency.

Read our FAQs to find out more information, and download the app to get started.

We're a responsible provider of credit which means we need to take a few things into consideration when we assess your application. We may take a look at your credit score when you apply, but don't worry, simply applying for humm won't affect your score at all or leave a record on your credit file. For more information read our FAQs.

At humm, we do Buy Now Pay Later a little differently. Instead of just focusing on the little joys in life, we want to allow our customers to fund whatever they need, both big and little. This means we've split our product in two; Little things for all of your purchases up to $2,000, and Big things for those purchases over $2,000 and all the way up to $30,000. They each have their own set of rules for approval, but no matter what, we never charge interest – ever.

Here's a nifty little chart to help you understand how Little things and Big things work, and view our How It Works page for more details.

'Little things'	'Big things'
Can apply for up to $2,000	Get pre-approval up to $5,000 online or via the app
Repay in 5 or 10 instalments weekly or fortnightly	Apply in-store for up to $30,000 depending on what you buy and where you shop
Repay and free up your balance to spend again	Repay over 6, 12, 24 months all the way up to 60 months

You can buy stuff both online and in-store, here's how:

• Online – simply go to any website which has the humm logo (or choose from our Store Directory), choose humm at checkout and you'll be taken through humm to get your payment sorted.
• In-Store – Open the humm App to create a barcode and use this at checkout to make your purchase, they'll scan it or key in the code manually.

Making payments

Sure is. There's a calculator on our How It Works page. Pop in the amount you're planning to spend and we'll calculate the different repayment options based on different repayment periods.

Get the humm app and buy now pay later.