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humm review: buy now, pay later

Buy ‘little things’ or ‘big things’ interest-free with humm - the new and improved Oxipay.

Oxipay has been replaced with humm in New Zealand as of September 2020. Oxipay was known for the ability to spread out payments with a range of retailers and businesses without paying interest, but humm has another feature that Kiwis can get excited about.

humm customers have two digital wallets. One is to purchase ‘little things’, and the other is to purchase ‘big things’ up to $10,000 interest-free.

The ability to put big ticket items in reach while saving on interest payments will appeal to many. You can use humm for travel, a new hairdo, electronics, vet bills, new glasses, home improvement, tyres for the car and much more.

How does humm work?

humm allows you to make purchases as you need them and pay them off over a period of time without interest.

As well as smaller purchases under $1,000 (‘little things’), you can apply for purchases up to $10,000 (‘big things’). Being able to purchase big ticket items and pay them off interest free is what makes humm stand out from other buy now, pay later schemes.

You can make purchases in-store or online at participating outlets, and you can sign up on the spot if you haven’t done so already. A credit check is done and you will be given an amount that you are able to spend.

‘Little things’

For ‘little things’, you can apply for up to $1,000 and make weekly or fortnightly payments for a total of 10 weeks.

So if you purchase an item for $200, you can make 10 weekly payments of $20 or 5 fortnightly payments of $40. Once you have repaid your balance, you can make further purchases.

It’s possible to pay off up to five purchases at the same time, as long as the total stays within your available spend. Your available spend is assigned to you when you apply, and can increase once you have made successful repayments.

Shopping in-store and online

To use humm while shopping online, select humm as your payment method when you get to the checkout. You will then be directed to your humm account to confirm the purchase.

When shopping in-store, tell the store assistant at the checkout that you want to pay with humm and follow their instructions. Make sure to have your phone with you to confirm the purchase.

What if I have an Oxipay account?

If you are already an Oxipay customer, you don’t need to worry about doing anything as your account, purchases and payment details are automatically moved over to humm.

The only thing that changes is how you log into your account. You’ll need to download the humm app from Google Play or the App Store, or go to and use the login details that you would use for Oxipay.

‘Big things’

If you want to purchase a larger item such as a TV, bike, or have large vet, car repair or dentist bill, you can apply for up to $10,000. If approved, you will make fortnightly payments for a period of up to 24 months.

While there is no interest to pay, you will be charged an establishment fee and a monthly fee until the debt is cleared.

It’s possible to make more than one big purchase at a time, but you’ll need to apply and pay the establishment fee each time.

humm will do an affordability assessment each time you apply by checking your bank statements and confirming how much you can spend. This is not a credit limit like you have on a credit card, but an available amount that you are approved to spend.

You can request a pre-approval through the humm app before you start shopping for big ticket items. Once approved, you will be given a barcode valid for 90 days to show staff when you make your purchase.

While not necessary, you may want to take this opportunity to change your password if you have not done so in a while.

Which shops accept humm?

Unlike other buy now pay later schemes, humm is accepted at participating hairdressers, vets, healthcare services, leisure and home improvement businesses and more.

See the list below to get a glimpse of where you can use humm to make purchases:

  • Technology, homeware and appliances: Heathcotes, 100%, PB Tech, JB Hi-Fi, Briscoes, Ironic, Farmers, Godfreys, Acquisitions, Living & Giving, Milly’s, Target, Save Barn, Big Save Furniture
  • Cars and bikes: Beaurepaires, Budget Tyres, Good Year, Quality Car Audio, ActionTech, Evo, My Ride
  • Outdoors and recreation: Hunting & Fishing, Complete Outdoors, Outpost, Hercules Store, Archery Direct, Travel Corner
  • Health and beauty: Beauty Bazaar, Happy Dental, Happy Herbals, HB Laser Skin Clinics, Paleo Choice, The Pharmacy Collective, About Skin, Relax Dental, First Dental
  • Fashion and accessories: Rebel Sport, Strandbags, Clothing Direct, Morrisseys, Westside Surf & Street, Pascoes, Christies, Goldmark

This list is just a small example of where you can use humm to pay for purchases. You can find a full list of businesses that accept humm on its website. Use the search functions to check what brands and stores in your suburb accept humm. More stores are being added so check back regularly.

What fees does humm charge?

There are no fees when you buy ‘little things’, unless you miss a payment.

If you make a purchase that is considered a ‘big thing’, a $20 establishment fee will apply plus a monthly $2.50 fee until the purchase is paid off. If you have more than one ‘big thing’ that you are paying off on your account, the monthly fee will remain at $2.50.

How to sign up

To sign up with humm, you can download the app from Google Play or the App Store, or visit the website and click the ‘Sign Up’ button. Follow the prompts and fill in some basic information, then wait a few moments to receive approval if you meet the criteria.


To be eligible to apply for humm, you must:

  • Be at least 18 years of age
  • Be a New Zealand citizen or permanent resident
  • Have a valid New Zealand passport or driver’s licence
  • Be working at least 25 hours a week or be receiving NZ Super or Veteran’s Pension
  • Not be declared bankrupt
  • Agree to a credit check

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