Humm Financing | Everwood

What is humm?

Humm provides third party financing, offering flexible payment plans up to $30,000 with a low-fixed interest rate. Starting with an easy and digital application process, receive a credit decision in less than 7 minutes and pay it off in equal monthly payments, up to 5 years. 

Why should I use humm?

Choose a monthly repayment plan that fits into your budget
Take up to 5 years to pay off loan balance
Receive a credit decision in less than 7 minutes anywhere, anytime
Easy & digital application
No hidden fees & all approved applications receive the same low-fixed interest rate
Repay the loan balance at any time, without penalty

Will applying affect my credit score?

Humm does a soft credit check when the purchase is under $17,500. This soft check will not impact the applicant’s credit score. Humm does a hard credit check when the purchase is $17,500 or over. This hard check may show as a credit inquiry on the applicant’s credit score.

What do I need to apply for humm?

Age of majority in province/territory of residence
Canadian residence (must have physical residential address
Mobile number
Email Address
Credit Card or Visa / Mastercard Debit
Online banking credentials

What is the interest rate?

Interest can vary. Please contact the retailer directly for the interest rate.

Can I re-pay the balance at any time?

Yes! Along with no hidden fees, pet owners can repay the loan balance at anytime, without penalty. 

Why was I denied financing by humm or why did I get less than I applied for?

In some cases, humm is unable to provide the limit requested. We use proprietary technology to assess the application and provide the applicant with the best credit limit based on that assessment

How do refunds work?

All refunds are provided based on the business’ return policy.

Full refunds will be returned to the customer’s method of payment, in full after 3-5 business days.

Partial refunds will be applied to the end of a customer’s loan term and monthly payment amount will remain unchanged.

If I have any issues with my application or need any assistance, who can I contact?

Contact humm support, Monday - Friday from 8 a.m. - 7 p.m. ET, at 1-844-944-0283