Discover humm in Yokine for Stress-Free Payments

Humm works for dental services by offering a flexible and convenient payment option. Here’s how it functions for dental services:

1. Eligibility and Sign-Up:
   Patients first need to sign up for Humm, which involves a quick eligibility check. This process is usually straightforward and can often be completed online or via the Humm app.
2. Choosing a Plan:
   Humm offers two types of plans – ‘Little things’ for expenses up to $2,000 and ‘Big things’ for larger expenses up to $30,000. Patients can choose a plan based on the cost of their dental treatment.
3. Interest-Free Payments:
   One of the key benefits of Humm is that it allows patients to pay for their dental services over time without incurring interest. This can make treatments more accessible and budget-friendly.
4. Flexible Repayment Terms:
   Patients can select a repayment schedule that suits their financial situation. For ‘Little Things’, patients can choose to repay in weekly, fortnightly, or monthly instalments. This is usually over a period of 2.5-5 months. For ‘Big Things’, patients can spread their payments over a longer period. This is from 6-24 months, depending on the treatment cost and the patient’s preference.
5. Upfront Treatment:
   Once the payment plan is set up, patients can receive their dental treatment immediately without having to pay the entire cost upfront. This is particularly beneficial for urgent or extensive dental work.
6. Regular Payments:
   Patients then make regular payments to humm as per their chosen plan. These payments are automated and can be tracked and managed through the humm app.
7. Fees:
   While humm offers interest-free payments, there may be other fees involved. These include a monthly account-keeping fee for longer payment plans, and an establishment fee for new users on ‘Big things’ purchases.

By using humm for dental services, patients can access necessary dental care promptly without the financial burden of paying the entire cost upfront. It is a convenient option for managing dental health expenses.

Signing up for humm is a straightforward process and involves the following steps:

1. Eligibility check:
   Before you start, check if you meet the basic eligibility criteria. You should be at least 18 years old, a permanent resident of Australia, and have a valid email address and mobile number.
2. Download the app or visit the website:
   You can sign up for humm by downloading their mobile app (available on both iOS and Android). You can also sign up by visiting their official website.
3. Create an account:
   Once on the app or website, you’ll need to create an account. This involves providing personal details such as your name, date of birth, and contact information.
4. Verification:
   Humm may require you to verify your identity. This could involve providing a form of ID such as a driver’s license or passport.
5. Financial details:
   You’ll need to provide financial information, like your bank details or a credit/debit card, to set up repayment methods.
6. Credit check:
   Humm will perform a credit check to assess your financial situation.
7. Approval:
   Once your information is verified and your credit check is complete, humm will inform you about your approval and credit limit.
8. Start using humm:
   After approval, you can start using humm immediately for dental services.

Remember, it’s important to read and understand the terms and conditions, including any fees or charges that might apply, before completing the sign-up process of humm. Also, manage your repayments responsibly to avoid any financial strain.

It depends on your humm account type. If you sign up for humm Little Things, you can be approved for a wallet of up to $2,000 instantly without undergoing a credit check. On the other hand, if you apply for humm Big Things with a limit of up to $30,000, further credit criteria apply.

For Big Things, you must apply on the humm app. You can be pre-approved for up to $5,000; if you don’t have a set amount in mind, humm can offer you one. During the application process, you’ll need to allow access to your bank statements for information that will help with the approval process.

Once approved, a barcode will be generated with all the information you need to use humm, including the amount you’ve been pre-approved for. Your pre-approval will last 90 days and is valid for only one transaction.

Humm offers flexible repayment terms that vary depending on whether you’re using it for ‘Little Things’ or ‘Big Things’:

Little Things:

• For purchases up to $2,000
• Repayment options range from 2.5 months to 5 months
• Customers can choose to make weekly, fortnightly, or monthly payments
• This option is designed for smaller, more manageable amounts, allowing for quicker repayment

Big Things:

• For larger purchases up to $30,000
• Repayment periods for ‘Big Things’ are extended, ranging from 6 months up to 24 months.
• Offers more flexibility in terms of repayment duration, suitable for more significant expenses or services.
• Customers can select a repayment schedule that fits their financial situation, with options for monthly payments.

It’s important to note that while humm provides an interest-free payment plan, there may be other fees involved. These include a monthly account-keeping fee for longer payment plans, and an establishment fee for new users on ‘Big Things’ purchases. These terms and conditions should be reviewed carefully so you know if they align with your financial planning.

If you miss a payment on your humm account, there is a late payment fee of $6. Missing payments can negatively affect your credit score, so it’s important to make payments on time. If you’re having financial difficulties, contact humm to discuss your options. They may be able to offer a repayment plan that suits your current situation.