Humm (Certegy) FAQ
Who is Humm?
Humm is a leading provider of retail No Interest Ever!
What is Humm?
A continuing credit payment plan that lets you purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited fortnightly. There is a simple application, no invasive questions and fast approval times. Best of all there is No Interest Ever!
What are the set up fees and charges for a Humm plan?
When you make your initial purchase, Humm will open an Account for you. With this initial purchase, you will pay an establishment fee. The Account will provide you access to online information about your purchase(s), credit schedule(s), access to our 1800 customer call in facility and other benefits. There is a monthly account keeping fee and payment processing fee which will be direct debited. Please refer to the “Terms and Conditions” & Continuing Credit Agreement which outlines all fees and charges payable along with frequency, throughout your purchase term.
If I pay a deposit, am I guaranteed an approval?
Paying a deposit directly to the merchant won’t always guarantee a Humm payment plan being approved however Humm and your chosen merchant will work together to process your application fairly and approve where ever possible. Your Humm payment plan will be confirmed to you via writing once the required signed paperwork is received, verified and accepted by Humm.
I want to make a purchase from your store and pay it off over time, can I do this?
Yes you can. We give our clients access to Humm which allows you to pay your purchase off over 12 months. The application process is quick and simple.
Can I make a purchase using Ezi-Pay even if I don’t live in Brisbane?
Yes, we ship products Australia wide to our regional clients all the time. Simply go to our website, place your order, and mention that you would like to use Humm in the comments section. We’ll be in touch to send you the necessary paperwork via email. The process takes a little longer as we need to verify your identity.
I notice that your Apple, Samsung and Microsoft products are sold as a bundle. Can I separate them?
Unfortunately no. We can only source these products from our suppliers as a bundle package and therefore cannot be separated.
I am already a pre-approved customer with Humm. Do I still have to fill in paperwork?
Yes, a new application must be presented to Humm for every purchase; however, if you can make it to one of our stores, the process for pre-approved clients is very quick and simple.
I have a VIP card from Humm, what does that entitle me to?
Occasionally Humm issue VIP cards to clients that have had a good history with them. This card entitles you to make purchases with zero deposit. If you don’t have a card, then you may still be able to apply for one over the phone. Contact Humm for more information on this.
How much deposit do I need to pay on purchases?
A 25% deposit is required on all purchases unless you have an unused VIP card.
What term can I do finance over?
Currently we can offer finance over a 12 Month period.
What requirements do I need to meet to apply for finance?
You generally need to be an Australian resident, with photo ID and proof of address. You also need to be working at least 30 hours a week. NOTE – There is a special approval process for people who fall outside these criteria and you may still be able to apply. Contact Precision Computers Brisbane for more information.
What is the maximum amount I can finance through your store?
Precision Computers have a store limit of $3000.00. You can still purchase products over this amount however the balance over the $3000.00 would need to be paid as deposit.
Are there any special conditions on products that are financed?
Precision Computers Brisbane is desktop manufacturing specialist. All Apple, Microsoft and Samsung Galaxy products are classed as special order products, that we source from our suppliers on behalf of our Humm clients. They cannot therefore be returned for a refund if you change your mind. Please choose carefully before you go ahead with your purchase. All products are however still covered by full manufacturer’s warranty.